BlastPoint's Banking Scorecard
SMBC MANUBANK
Designations: ✓ Community bank
Los Angeles, CA
7 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 -0.1% year over year ($5.6B on the books).
- Delinquency rate 0.30%.
- Return on assets -3.56%.
- Efficiency ratio 16.50% vs a 59.73% peer average.
- Loan-to-deposit ratio 48.23% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
SMBC MANUBANK has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 43.23% below tier average
- + Delinquency Rate 0.56% below tier average
Key Concerns
Areas that may need attention
- - Return on Assets 4.95% below tier average
- - Net Interest Margin 2.93% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$6.6B
-2.4% YoY
-14.6% QoQ
|
+$3.8B |
$2.8B
-0.6% YoY
|
$4.9B
+8.2% YoY
|
$6.3B
+7.7% YoY
|
Top 8.1% in tier |
| Total Loans ? |
$2.7B
-36.9% YoY
-38.0% QoQ
|
+$720.5M |
$2.0B
-0.3% YoY
|
$3.3B
+8.0% YoY
|
$3.2B
+9.4% YoY
|
79% |
| Total Deposits ? |
$5.6B
-0.1% YoY
-17.3% QoQ
|
+$3.2B |
$2.3B
-0.5% YoY
|
$4.0B
+7.9% YoY
|
$4.9B
+7.3% YoY
|
Top 7.6% in tier |
| Return on Assets ? |
-3.56%
-31.7% YoY
+48.1% QoQ
|
-4.95% |
1.39%
+17.0% YoY
|
1.69%
+23.4% YoY
|
1.30%
+12.1% YoY
|
Bottom 0.2% in tier |
| Net Interest Margin ? |
0.94%
-73.8% YoY
+106.9% QoQ
|
-2.93% |
3.87%
+6.2% YoY
|
3.84%
+2.9% YoY
|
3.95%
+4.9% YoY
|
Bottom 0.7% in tier |
| Efficiency Ratio ? |
16.50%
-89.3% YoY
-96.6% QoQ
|
-43.23% |
59.73%
-12.6% YoY
|
64.67%
-10.5% YoY
|
70.05%
+2.5% YoY
|
Top 0.6% in tier |
| Delinquency Rate ? |
0.30%
-74.0% YoY
-7.5% QoQ
|
-0.56% |
0.87%
+11.7% YoY
|
1.15%
+46.6% YoY
|
0.98%
+16.3% YoY
|
68% |
| Loan-to-Deposit Ratio ? |
48.23%
-36.9% YoY
-25.0% QoQ
|
-36.81% |
85.04%
-0.1% YoY
|
86.69%
+1.8% YoY
|
79.03%
+2.3% YoY
|
Top 3.3% in tier |
| Non-Interest-Bearing Deposit Share ? |
11.59%
+4.1% YoY
+27.5% QoQ
|
-9.68% |
21.27%
-1.5% YoY
|
25.07%
-3.4% YoY
|
21.98%
-0.6% YoY
|
Bottom 14.8% in tier |
| Nonperforming Asset Ratio ? |
0.12%
-83.2% YoY
-32.9% QoQ
|
-0.55% |
0.67%
+11.7% YoY
|
0.91%
+41.3% YoY
|
0.69%
+15.8% YoY
|
82% |
| Tier 1 Capital Ratio ? |
23.92%
+24.5% YoY
+55.2% QoQ
|
+9.08% |
14.84%
-0.4% YoY
|
20.69%
-2.9% YoY
|
17.09%
+0.8% YoY
|
Top 4.6% in tier |
| Non-Interest Income / Assets ? |
0.26%
+137.0% YoY
+324.9% QoQ
|
-0.27% |
0.53%
+2.5% YoY
|
1.26%
+3.5% YoY
|
0.66%
+5.2% YoY
|
42% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 |
11.6%
+0.5pp YoY +2.5pp QoQ |
-9.8pp | 21.4% | 25.5% | 22.2% | 14% |
| Brokered Deposits |
1.5%
-1.8pp YoY +0.2pp QoQ |
-8.0pp | 9.5% | 11.0% | 8.5% | 23% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
48.3%
+15.9pp YoY +13.6pp QoQ |
+34.3pp | 14.0% | 11.8% | 12.5% | 98% |
| CRE |
49.6%
+11.2pp YoY +16.2pp QoQ |
-0.4pp | 50.0% | 67.5% | 41.4% | 49% |
| 1-4 Family |
0.2%
0.0pp YoY 0.0pp QoQ |
-26.2pp | 26.4% | 16.5% | 31.3% | 1% |
| Consumer |
0.0%
-31.8pp YoY -30.4pp QoQ |
-4.7pp | 4.7% | 5.3% | 5.0% | 2% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
23.9%
+4.7pp YoY +8.5pp QoQ |
+8.3pp | 15.6% | 23.7% | 19.7% | 95% |
| Leverage Ratio |
9.6%
-4.0pp YoY 0.0pp QoQ |
-1.7pp | 11.3% | 14.5% | 12.6% | 25% |
| Total Capital Ratio |
24.0%
+3.5pp YoY +8.5pp QoQ |
+7.4pp | 16.7% | 25.1% | 20.8% | 94% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
695
-267 (-27.8%) YoY -92 (-11.7%) QoQ |
+381 | 313 | 337 | 482 | 92% |
| Assets per Employee ($) |
$9.5M
+35.1% YoY -3.4% QoQ |
-$990K | $10.5M | $11.3M | $8.8M | 60% |
| Branch Count |
8
0 YoY 0 QoQ |
-12 | 20 | 15 | 18 | 20% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
-0.2pp YoY -0.1pp QoQ |
-0.1pp | 0.2% | 0.3% | 0.4% | 29% |
| Nonaccrual |
0.3%
-0.7pp YoY +0.1pp QoQ |
-0.5pp | 0.8% | 1.4% | 1.0% | 31% |
| Allowance Coverage | n/a | n/a | 18.71x | 17.11x | 20.23x | n/a |
| Net Charge-off Rate (YTD) |
3.4%
+2.0pp YoY -2.5pp QoQ |
+3.2pp | 0.3% | 0.3% | 0.2% | 98% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
-32.5%
-15.0pp YoY +31.4pp QoQ |
-45.1pp | 12.6% | 8.2% | 11.6% | 0% |
| Cost of Funds (YTD) |
0.9%
-2.3pp YoY -1.3pp QoQ |
-1.1pp | 1.9% | 1.9% | 1.7% | 3% |
| Net Income ($, YTD) |
$-130446000.0
-46.6% YoY — QoQ |
-$149.7M | $19.2M | $28.5M | $40.4M | 0% |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.