BlastPoint's Banking Scorecard

City National Bank

$10B-$250B Specialty: Commercial CA FDIC cert 17281

Los Angeles, CA

71 branches across CA · NY · NV · GA · DC · FL · TN · VA

135 banks in the $10B-$250B peer group nationally 10 in CA

City National Bank has 1 strength but faces 3 concerns

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

+ Delinquency Rate 0.25% below tier average

Key Concerns

Areas that may need attention

- ROA 0.54% below tier average
- Net Interest Margin 0.57% below tier average
- Efficiency Ratio 14.07% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Total Assets ?	$99.9B +7.3% YoY +1.5% QoQ	+$52.6B	$47.4B -2.0% YoY	$4.8B +7.6% YoY	$6.2B +9.0% YoY	Top 11.9% in tier
Total Loans ?	$68.8B +9.0% YoY +0.9% QoQ	+$39.2B	$29.6B -0.4% YoY	$3.3B +8.3% YoY	$3.2B +10.7% YoY	Top 8.1% in tier
Total Deposits ?	$81.1B +6.0% YoY +3.2% QoQ	+$42.3B	$38.7B -1.6% YoY	$3.9B +6.9% YoY	$4.8B +8.0% YoY	Top 12.6% in tier
Return on Assets ?	0.74% +7.4% YoY -22.2% QoQ	-0.54%	1.28% +19.3% YoY	1.75% +28.6% YoY	1.24% +13.1% YoY	Bottom 14.8% in tier
Net Interest Margin ?	3.19% -0.5% YoY -2.4% QoQ	-0.57%	3.77% +5.6% YoY	3.80% +3.1% YoY	3.89% +5.7% YoY	32%
Efficiency Ratio ?	67.97% +1.2% YoY +4.4% QoQ	+14.07%	53.90% -4.0% YoY	69.04% -8.1% YoY	66.84% -3.8% YoY	Bottom 13.3% in tier
Delinquency Rate ?	0.77% +61.7% YoY +26.0% QoQ	-0.25%	1.02% -4.1% YoY	1.18% +69.8% YoY	0.95% +18.8% YoY	46%
Loan-to-Deposit Ratio ?	84.87% +2.9% YoY -2.3% QoQ	+3.98%	80.88% +2.0% YoY	85.63% +2.0% YoY	76.69% +0.9% YoY	48%
Non-Interest-Bearing Deposit Share ?	29.28% -6.2% YoY -1.5% QoQ	+9.46%	19.82% +0.3% YoY	24.99% -4.4% YoY	22.01% -1.1% YoY	81%
Nonperforming Asset Ratio ?	0.53% +63.0% YoY +25.1% QoQ	-0.19%	0.73% +4.0% YoY	0.92% +66.1% YoY	0.66% +19.3% YoY	46%
Tier 1 Capital Ratio ?	15.06% -7.0% YoY -6.9% QoQ	-0.51%	15.56% -0.1% YoY	21.06% -3.6% YoY	17.06% +0.8% YoY	75%
Non-Interest Income / Assets ?	0.18% -3.5% YoY -75.8% QoQ	-0.05%	0.23% +0.9% YoY	0.69% +11.1% YoY	0.32% +4.0% YoY	56%

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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 (0)

No matched strength signatures this quarter

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 135 peers in $10B-$250B

Top Strengths (4 metrics)

Total Loans

size

Value: $68.80B

Peer Median: $29.62B

#12 of 135 Top 8.1% in $10B-$250B

Total Assets

size

Value: $99.95B

Peer Median: $47.36B

#17 of 135 Top 11.9% in $10B-$250B

Total Deposits

size

Value: $81.07B

Peer Median: $38.75B

#18 of 135 Top 12.6% in $10B-$250B

Non-Interest-Bearing Deposit Share

funding

Value: 29.28%

Peer Median: 19.82%

#27 of 135 Top 19.3% in $10B-$250B

Top Weaknesses (2 metrics)

118

Efficiency Ratio

profitability

Value: 67.97%

Peer Median: 53.90%

#118 of 135 Bottom 13.3% in $10B-$250B

116

Return on Assets

profitability

Value: 0.74%

Peer Median: 1.28%

#116 of 135 Bottom 14.8% in $10B-$250B