BlastPoint's Banking Scorecard

BAC Community Bank

$100M-$1B Specialty: Commercial CA FDIC cert 19434

Stockton, CA

8 branches across CA

2664 banks in the $100M-$1B peer group nationally 53 in CA

BAC Community Bank has 2 strengths but faces 6 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

+ Non-Interest-Bearing Deposit Share 16.10% above tier average
+ Delinquency Rate 0.48% below tier average

Key Concerns

Areas that may need attention

- Flatlined Growth: Bottom 7.8% in tier
- Credit Risk Growth: Bottom 38.3% in tier
- Credit Quality Pressure: Bottom 47.9% in tier
- ROA 0.57% below tier average
- Net Interest Margin 0.53% below tier average
- Efficiency Ratio 10.56% 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 ?	$780.1M -1.4% YoY -0.8% QoQ	+$394.0M	$386.1M +0.5% YoY	$4.7B +7.7% YoY	$6.2B +9.1% YoY	Top 9.1% in tier
Total Loans ?	$469.7M +5.7% YoY -1.2% QoQ	+$214.0M	$255.7M +1.1% YoY	$3.2B +8.4% YoY	$3.2B +10.8% YoY	Top 13.8% in tier
Total Deposits ?	$684.8M -2.7% YoY +2.1% QoQ	+$356.9M	$328.0M +0.1% YoY	$3.9B +7.0% YoY	$4.8B +8.2% YoY	Top 7.9% in tier
Return on Assets ?	0.70% +7.8% YoY -0.4% QoQ	-0.57%	1.27% +12.9% YoY	1.80% +29.4% YoY	1.23% +13.4% YoY	21%
Net Interest Margin ?	3.40% +9.2% YoY +4.9% QoQ	-0.53%	3.93% +6.0% YoY	3.85% +3.8% YoY	3.89% +5.7% YoY	26%
Efficiency Ratio ?	75.84% -4.5% YoY -3.2% QoQ	+10.56%	65.29% -4.5% YoY	68.78% -8.1% YoY	66.95% -4.1% YoY	21%
Delinquency Rate ?	0.41%	-0.48%	0.89% +18.8% YoY	1.17% +69.3% YoY	0.95% +18.8% YoY	50%
Loan-to-Deposit Ratio ?	68.58% +8.7% YoY -3.2% QoQ	-8.06%	76.64% +0.8% YoY	85.13% +2.0% YoY	76.70% +0.9% YoY	69%
Non-Interest-Bearing Deposit Share ?	38.12% +4.3% YoY -0.9% QoQ	+16.10%	22.02% -1.0% YoY	25.15% -3.9% YoY	22.01% -1.2% YoY	Top 6.3% in tier
Nonperforming Asset Ratio ?	0.25%	-0.39%	0.64% +19.7% YoY	0.91% +65.9% YoY	0.67% +19.3% YoY	55%
Tier 1 Capital Ratio ?	16.17% +1.1% YoY +2.0% QoQ	+0.34%	15.83% +1.5% YoY	21.08% -3.4% YoY	17.06% +0.8% YoY	73%
Non-Interest Income / Assets ?	0.08% -12.2% YoY -76.2% QoQ	-0.20%	0.28% +9.3% YoY	0.70% +11.6% YoY	0.32% +4.1% YoY	38%

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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 (3)

Flatlined Growth

risk

#41 of 512 • Bottom 7.8% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature

Return on Assets: 0.70%

(Tier: 1.27%, National: 1.23%)

worse than tier avg

512 of 512 Community banks match · 687 nationally

→ Stable +32 banks QoQ | QoQ rank improving

Credit Risk Growth

risk

#374 of 973 • Bottom 38.3% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

973 of 973 Community banks match · 1464 nationally

→ Stable -10 banks QoQ | QoQ rank declining

Credit Quality Pressure

risk

#628 of 1308 • Bottom 47.9% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.41%

(Tier: 0.89%, National: 0.95%)

better than tier avg

1308 of 1308 Community banks match · 1899 nationally

→ Stable +2 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 2664 peers in $100M-$1B

Top Strengths (4 metrics)

169

Non-Interest-Bearing Deposit Share

funding

Value: 38.12%

Peer Median: 22.02%

#169 of 2664 Top 6.3% in $100M-$1B

211

Total Deposits

size

Value: $684.85M

Peer Median: $327.97M

#211 of 2664 Top 7.9% in $100M-$1B

243

Total Assets

size

Value: $780.10M

Peer Median: $386.08M

#243 of 2664 Top 9.1% in $100M-$1B

369

Total Loans

size

Value: $469.67M

Peer Median: $255.72M

#369 of 2664 Top 13.8% in $100M-$1B

Top Weaknesses (2 metrics)

2112

Return on Assets

profitability

Value: 0.70%

Peer Median: 1.27%

#2112 of 2664 Bottom 20.8% in $100M-$1B

2105

Efficiency Ratio

profitability

Value: 75.84%

Peer Median: 65.29%

#2105 of 2664 Bottom 21.0% in $100M-$1B