BlastPoint's Banking Scorecard

SMBC MANUBANK

$1B-$10B Specialty: Commercial CA FDIC cert 18618

Designations: ✓ Community bank

Los Angeles, CA

8 branches across CA

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

SMBC MANUBANK has 1 strength but faces 4 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 0.56% below tier average

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 16.2% in tier
- NIB Deposit Bleed: Bottom 55.6% in tier
- Return on Assets 8.22% below tier average
- Net Interest Margin 3.36% below 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 ?	$7.7B +16.0% YoY +0.7% QoQ	+$4.9B	$2.8B -0.1% YoY	$4.7B +7.7% YoY	$6.2B +9.1% YoY	Top 5.1% in tier
Total Loans ?	$4.3B +7.7% YoY -6.1% QoQ	+$2.4B	$2.0B +0.6% YoY	$3.2B +8.4% YoY	$3.2B +10.8% YoY	Top 10.2% in tier
Total Deposits ?	$6.7B +24.1% YoY +2.5% QoQ	+$4.4B	$2.3B -0.3% YoY	$3.9B +7.0% YoY	$4.8B +8.2% YoY	Top 4.3% in tier
Return on Assets ?	-6.85% -193.9% YoY -181.8% QoQ	-8.22%	1.37% +19.6% YoY	1.80% +29.4% YoY	1.23% +13.4% YoY	Bottom 0.1% in tier
Net Interest Margin ?	0.45% -87.2% YoY -87.2% QoQ	-3.36%	3.82% +6.9% YoY	3.85% +3.8% YoY	3.89% +5.7% YoY	Bottom 0.3% in tier
Efficiency Ratio ?	485.38% +212.5% YoY +223.1% QoQ	+424.32%	61.06% -4.6% YoY	68.78% -8.1% YoY	66.95% -4.1% YoY	Bottom 0.1% in tier
Delinquency Rate ?	0.33% -80.0% YoY -18.3% QoQ	-0.56%	0.89% +14.1% YoY	1.17% +69.3% YoY	0.95% +18.8% YoY	67%
Loan-to-Deposit Ratio ?	64.34% -13.2% YoY -8.4% QoQ	-19.86%	84.20% +0.3% YoY	85.13% +2.0% YoY	76.70% +0.9% YoY	Top 11.3% in tier
Non-Interest-Bearing Deposit Share ?	9.10% -19.2% YoY -0.4% QoQ	-12.19%	21.29% -2.5% YoY	25.15% -3.9% YoY	22.01% -1.2% YoY	Bottom 10.1% in tier
Nonperforming Asset Ratio ?	0.18% -81.5% YoY -23.8% QoQ	-0.49%	0.67% +15.6% YoY	0.91% +65.9% YoY	0.67% +19.3% YoY	75%
Tier 1 Capital Ratio ?	15.42% -26.9% YoY -10.7% QoQ	+0.26%	15.16% +2.0% YoY	21.08% -3.4% YoY	17.06% +0.8% YoY	77%
Non-Interest Income / Assets ?	0.06% +62.5% YoY -76.3% QoQ	-0.20%	0.26% +1.6% YoY	0.70% +11.6% YoY	0.32% +4.1% YoY	Bottom 14.3% in tier

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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 (2)

Efficiency Drag

risk

#13 of 74 • Bottom 16.2% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature

Efficiency Ratio: 485.38%

(Tier: 61.06%, National: 66.95%)

worse than tier avg

74 of 74 Mid-Market banks match · 492 nationally

→ Stable | QoQ rank improving

NIB Deposit Bleed

decline

#21 of 36 • Bottom 55.6% in tier

Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.

Why this signature

Noninterest-Bearing Deposit Share: 9.10%

(Tier: 21.29%, National: 22.01%)

worse than tier avg

36 of 36 Mid-Market banks match · 238 nationally

↓ Shrinking -31 banks QoQ | QoQ rank declining

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 884 peers in $1B-$10B

Top Strengths (6 metrics)

Total Deposits

size

Value: $6.73B

Peer Median: $2.34B

#39 of 884 Top 4.3% in $1B-$10B

Total Assets

size

Value: $7.73B

Peer Median: $2.82B

#46 of 884 Top 5.1% in $1B-$10B

Total Loans

size

Value: $4.33B

Peer Median: $1.96B

#91 of 884 Top 10.2% in $1B-$10B

101

Loan-to-Deposit Ratio

liquidity

Value: 64.34%

Peer Median: 84.20%

#101 of 884 Top 11.3% in $1B-$10B

206

Tier 1 Capital Ratio

capital

Value: 15.42%

Peer Median: 15.16%

#206 of 884 Top 23.2% in $1B-$10B

220

Nonperforming Asset Ratio

credit_quality

Value: 0.18%

Peer Median: 0.67%

#220 of 884 Top 24.8% in $1B-$10B

Top Weaknesses (5 metrics)

884

Efficiency Ratio

profitability

Value: 485.38%

Peer Median: 61.06%

#884 of 884 Bottom 0.1% in $1B-$10B

884

Return on Assets

profitability

Value: -6.85%

Peer Median: 1.37%

#884 of 884 Bottom 0.1% in $1B-$10B

882

Net Interest Margin

profitability

Value: 0.45%

Peer Median: 3.82%

#882 of 884 Bottom 0.3% in $1B-$10B

796

Non-Interest-Bearing Deposit Share

funding

Value: 9.10%

Peer Median: 21.29%

#796 of 884 Bottom 10.1% in $1B-$10B

759

Non-Interest Income / Assets

revenue_mix

Value: 0.06%

Peer Median: 0.26%

#759 of 884 Bottom 14.3% in $1B-$10B