BlastPoint's Banking Scorecard
CTBC Bank Corp. (USA)
Designations: ✓ Minority Depository Institution
Los Angeles, CA
20 branches across CA · NY · NJ
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 +10.6% year over year ($5.0B on the books).
- Delinquency rate 1.57%.
- Return on assets 0.87%.
- Efficiency ratio 59.20% vs a 59.73% peer average.
- Loan-to-deposit ratio 87.10% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
CTBC Bank Corp. (USA) has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 0.53% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.52% below tier average
- - Net Interest Margin 0.90% below tier average
- - Delinquency Rate 0.70% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$5.9B
+10.4% YoY
+9.4% QoQ
|
+$3.1B |
$2.8B
-0.6% YoY
|
$4.9B
+8.2% YoY
|
$6.3B
+7.7% YoY
|
Top 10.5% in tier |
| Total Loans ? |
$4.4B
+2.3% YoY
+0.5% QoQ
|
+$2.4B |
$2.0B
-0.3% YoY
|
$3.3B
+8.0% YoY
|
$3.2B
+9.4% YoY
|
Top 9.8% in tier |
| Total Deposits ? |
$5.0B
+10.6% YoY
+10.4% QoQ
|
+$2.7B |
$2.3B
-0.5% YoY
|
$4.0B
+7.9% YoY
|
$4.9B
+7.3% YoY
|
Top 10.2% in tier |
| Return on Assets ? |
0.87%
+29.0% YoY
-5.8% QoQ
|
-0.52% |
1.39%
+17.0% YoY
|
1.69%
+23.4% YoY
|
1.30%
+12.1% YoY
|
21% |
| Net Interest Margin ? |
2.97%
+1.0% YoY
+0.5% QoQ
|
-0.90% |
3.87%
+6.2% YoY
|
3.84%
+2.9% YoY
|
3.95%
+4.9% YoY
|
Bottom 13.8% in tier |
| Efficiency Ratio ? |
59.20%
-1.7% YoY
+2.9% QoQ
|
-0.53% |
59.73%
-12.6% YoY
|
64.67%
-10.5% YoY
|
70.05%
+2.5% YoY
|
49% |
| Delinquency Rate ? |
1.57%
+574.6% YoY
-2.2% QoQ
|
+0.70% |
0.87%
+11.7% YoY
|
1.15%
+46.6% YoY
|
0.98%
+16.3% YoY
|
Bottom 14.3% in tier |
| Loan-to-Deposit Ratio ? |
87.10%
-7.5% YoY
-9.0% QoQ
|
+2.06% |
85.04%
-0.1% YoY
|
86.69%
+1.8% YoY
|
79.03%
+2.3% YoY
|
51% |
| Non-Interest-Bearing Deposit Share ? |
13.75%
+0.2% YoY
-4.9% QoQ
|
-7.53% |
21.27%
-1.5% YoY
|
25.07%
-3.4% YoY
|
21.98%
-0.6% YoY
|
23% |
| Nonperforming Asset Ratio ? |
1.17%
+318.5% YoY
-10.1% QoQ
|
+0.50% |
0.67%
+11.7% YoY
|
0.91%
+41.3% YoY
|
0.69%
+15.8% YoY
|
17% |
| Tier 1 Capital Ratio ? |
14.67%
+4.3% YoY
+2.5% QoQ
|
-0.17% |
14.84%
-0.4% YoY
|
20.69%
-2.9% YoY
|
17.09%
+0.8% YoY
|
71% |
| Non-Interest Income / Assets ? |
0.17%
+17.5% YoY
+69.2% QoQ
|
-0.36% |
0.53%
+2.5% YoY
|
1.26%
+3.5% YoY
|
0.66%
+5.2% YoY
|
25% |
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 |
13.7%
0.0pp YoY -0.7pp QoQ |
-7.6pp | 21.4% | 25.5% | 22.2% | 22% |
| Brokered Deposits |
0.9%
-0.1pp YoY -0.1pp QoQ |
-8.6pp | 9.5% | 11.0% | 8.5% | 17% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
19.7%
+2.6pp YoY +0.2pp QoQ |
+5.7pp | 14.0% | 11.8% | 12.5% | 80% |
| CRE |
46.0%
0.0pp QoQ |
-4.1pp | 50.0% | 67.5% | 41.4% | 39% |
| 1-4 Family |
34.3%
-1.2pp YoY +0.2pp QoQ |
+7.8pp | 26.4% | 16.5% | 31.3% | 73% |
| Consumer | n/a | n/a | 4.7% | 5.3% | 5.0% | n/a |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 15.6% | 23.7% | 19.7% | n/a |
| Leverage Ratio |
14.7%
+0.6pp YoY +0.4pp QoQ |
+3.4pp | 11.3% | 14.5% | 12.6% | 92% |
| Total Capital Ratio | n/a | n/a | 16.7% | 25.1% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
392
+7 (+1.8%) YoY +1 (+0.3%) QoQ |
+78 | 313 | 337 | 482 | 77% |
| Assets per Employee ($) |
$15.0M
+8.4% YoY +9.1% QoQ |
+$4.5M | $10.5M | $11.3M | $8.8M | 89% |
| Branch Count |
20
0 YoY 0 QoQ |
-0 | 20 | 15 | 18 | 65% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.2% | 0.3% | 0.4% | n/a |
| Nonaccrual |
1.6%
+1.3pp YoY 0.0pp QoQ |
+0.7pp | 0.8% | 1.4% | 1.0% | 88% |
| Allowance Coverage |
0.69x
-85.8% YoY +3.9% QoQ |
-18.02x | 18.71x | 17.11x | 20.23x | 11% |
| Net Charge-off Rate (YTD) |
0.1%
0.0pp YoY -0.1pp QoQ |
-0.2pp | 0.3% | 0.3% | 0.2% | 57% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
6.3%
+1.4pp YoY -0.3pp QoQ |
-6.3pp | 12.6% | 8.2% | 11.6% | 13% |
| Cost of Funds (YTD) |
2.4%
-0.4pp YoY -0.1pp QoQ |
+0.5pp | 1.9% | 1.9% | 1.7% | 82% |
| Net Income ($, YTD) |
$24.4M
+38.2% YoY — QoQ |
+$5.2M | $19.2M | $28.5M | $40.4M | 76% |
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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.