BlastPoint's Banking Scorecard

Bank of Stockton

$1B-$10B Specialty: Commercial CA FDIC cert 1536

Stockton, CA

21 branches across CA

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 49 in CA.
Deposits +3.4% year over year ($3.8B on the books).
Delinquency rate 0.08%.
Return on assets 6.08%.
Efficiency ratio 47.56% vs a 59.73% peer average.
Loan-to-deposit ratio 63.24% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 49 in CA

View $1B-$10B leaderboard (CA) →

Bank of Stockton has 5 strengths but faces 1 concern

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Profitability Leader: Top 0.5% in tier
+ Loan-to-Deposit Ratio 21.79% below tier average
+ Nonperforming Asset Ratio 0.63% below tier average
+ Efficiency Ratio 12.17% below tier average
+ Delinquency Rate 0.78% below tier average

Key Concerns

Areas that may need attention

- Net Interest Margin 0.15% below tier average

Get updates when Bank of Stockton releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Total Assets ?	$5.0B +7.6% YoY +3.3% QoQ	+$2.2B	$2.8B -0.6% YoY	$4.9B +8.2% YoY	$6.3B +7.7% YoY	Top 14.5% in tier
Total Loans ?	$2.4B +4.2% YoY +1.0% QoQ	+$438.0M	$2.0B -0.3% YoY	$3.3B +8.0% YoY	$3.2B +9.4% YoY	74%
Total Deposits ?	$3.8B +3.4% YoY +1.1% QoQ	+$1.5B	$2.3B -0.5% YoY	$4.0B +7.9% YoY	$4.9B +7.3% YoY	84%
Return on Assets ?	6.08% +137.3% YoY +32.9% QoQ	+4.69%	1.39% +17.0% YoY	1.69% +23.4% YoY	1.30% +12.1% YoY	Top 0.6% in tier
Net Interest Margin ?	3.72% +13.0% YoY +2.4% QoQ	-0.15%	3.87% +6.2% YoY	3.84% +2.9% YoY	3.95% +4.9% YoY	51%
Efficiency Ratio ?	47.56% -9.5% YoY -0.4% QoQ	-12.17%	59.73% -12.6% YoY	64.67% -10.5% YoY	70.05% +2.5% YoY	83%
Delinquency Rate ?	0.08% -59.2% YoY -4.8% QoQ	-0.78%	0.87% +11.7% YoY	1.15% +46.6% YoY	0.98% +16.3% YoY	Top 10.3% in tier
Loan-to-Deposit Ratio ?	63.24% +0.8% YoY -0.1% QoQ	-21.79%	85.04% -0.1% YoY	86.69% +1.8% YoY	79.03% +2.3% YoY	Top 9.0% in tier
Non-Interest-Bearing Deposit Share ?	28.42% +2.1% YoY +2.9% QoQ	+7.15%	21.27% -1.5% YoY	25.07% -3.4% YoY	21.98% -0.6% YoY	81%
Nonperforming Asset Ratio ?	0.04% -60.6% YoY -6.9% QoQ	-0.63%	0.67% +11.7% YoY	0.91% +41.3% YoY	0.69% +15.8% YoY	Top 8.4% in tier
Tier 1 Capital Ratio ?	18.81% +5.0% YoY +4.4% QoQ	+3.97%	14.84% -0.4% YoY	20.69% -2.9% YoY	17.09% +0.8% YoY	Top 9.5% in tier
Non-Interest Income / Assets ?	0.34% +17.8% YoY +125.4% QoQ	-0.18%	0.53% +2.5% YoY	1.26% +3.5% YoY	0.66% +5.2% YoY	61%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Noninterest-Bearing	28.4% +0.6pp YoY +0.8pp QoQ	+7.1pp	21.4%	25.5%	22.2%	81%
Brokered Deposits	n/a	n/a	9.5%	11.0%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
C&I	10.4% -0.5pp YoY +0.1pp QoQ	-3.6pp	14.0%	11.8%	12.5%	46%
CRE	58.6% +2.6pp YoY +0.4pp QoQ	+8.6pp	50.0%	67.5%	41.4%	73%
1-4 Family	12.4% -1.3pp YoY -0.8pp QoQ	-14.0pp	26.4%	16.5%	31.3%	23%
Consumer	8.8% -1.7pp YoY -0.2pp QoQ	+4.1pp	4.7%	5.3%	5.0%	88%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
CET1 Ratio	18.8% +0.9pp YoY +0.8pp QoQ	+3.2pp	15.6%	23.7%	19.7%	89%
Leverage Ratio	19.9% +1.9pp YoY +1.4pp QoQ	+8.6pp	11.3%	14.5%	12.6%	98%
Total Capital Ratio	20.1% +0.9pp YoY +0.8pp QoQ	+3.4pp	16.7%	25.1%	20.8%	89%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Full-Time Employees	415 0 YoY +6 (+1.5%) QoQ	+101	313	337	482	79%
Assets per Employee ($)	$12.0M +7.6% YoY +1.8% QoQ	+$1.6M	$10.5M	$11.3M	$8.8M	78%
Branch Count	21 0 YoY 0 QoQ	+1	20	15	18	68%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.2%	0.3%	0.4%	n/a
Nonaccrual	0.1% -0.1pp YoY 0.0pp QoQ	-0.7pp	0.8%	1.4%	1.0%	9%
Allowance Coverage	39.18x +140.9% YoY +4.0% QoQ	+20.47x	18.71x	17.11x	20.23x	96%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY -0.1pp QoQ	-0.2pp	0.3%	0.3%	0.2%	53%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
ROE	32.2% +17.7pp YoY +7.5pp QoQ	+19.6pp	12.6%	8.2%	11.6%	98%
Cost of Funds (YTD)	1.1% -0.1pp YoY 0.0pp QoQ	-0.8pp	1.9%	1.9%	1.7%	7%
Net Income ($, YTD)	$147.9M +154.2% YoY — QoQ	+$128.7M	$19.2M	$28.5M	$40.4M	100%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Profitability Leader

growth

#2 of 222 • Top 0.5% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 6.08%

(Tier: 1.39%, National: 1.30%)

better than tier avg

222 of 222 Mid-Market banks match · 923 nationally

→ Stable | QoQ rank improving

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 885 peers in $1B-$10B

Top Strengths (9 metrics)

Return on Assets

profitability

Value: 6.08%

Peer Median: 1.39%

#6 of 885 Top 0.6% in $1B-$10B

Nonperforming Asset Ratio

credit_quality

Value: 0.04%

Peer Median: 0.67%

#75 of 885 Top 8.4% in $1B-$10B

Loan-to-Deposit Ratio

liquidity

Value: 63.24%

Peer Median: 85.04%

#81 of 885 Top 9.0% in $1B-$10B

Tier 1 Capital Ratio

capital

Value: 18.81%

Peer Median: 14.84%

#85 of 885 Top 9.5% in $1B-$10B

Delinquency Rate

credit_quality

Value: 0.08%

Peer Median: 0.87%

#92 of 882 Top 10.3% in $1B-$10B

129

Total Assets

size

Value: $4.99B

Peer Median: $2.79B

#129 of 885 Top 14.5% in $1B-$10B

141

Total Deposits

size

Value: $3.80B

Peer Median: $2.32B

#141 of 885 Top 15.8% in $1B-$10B

153

Efficiency Ratio

profitability

Value: 47.56%

Peer Median: 59.73%

#153 of 885 Top 17.2% in $1B-$10B

170

Non-Interest-Bearing Deposit Share

funding

Value: 28.42%

Peer Median: 21.27%

#170 of 885 Top 19.1% in $1B-$10B

Top Weaknesses (0 metrics)

No weakness rankings available