BlastPoint's Banking Scorecard

BAC Community Bank

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

Stockton, CA

8 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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 53 in CA.
Deposits -2.9% year over year ($673.0M on the books).
Delinquency rate 0.18%.
Return on assets 0.77%.
Efficiency ratio 75.27% vs a 64.48% peer average.
Loan-to-deposit ratio 67.13% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 53 in CA

View $100M-$1B leaderboard (CA) →

BAC Community Bank has 2 strengths 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

+ Non-Interest-Bearing Deposit Share 16.72% above tier average
+ Delinquency Rate 0.74% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 27.2% in tier
- ROA 0.55% below tier average
- Net Interest Margin 0.44% below tier average
- Efficiency Ratio 10.79% above tier average

Get updates when BAC Community Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Total Assets ?	$761.9M -3.4% YoY -2.3% QoQ	+$375.3M	$386.6M +1.2% YoY	$4.9B +8.2% YoY	$6.3B +7.7% YoY	Top 9.9% in tier
Total Loans ?	$451.8M -0.7% YoY -3.8% QoQ	+$193.4M	$258.3M +1.7% YoY	$3.3B +8.0% YoY	$3.2B +9.4% YoY	84%
Total Deposits ?	$673.0M -2.9% YoY -1.7% QoQ	+$346.2M	$326.7M +0.7% YoY	$4.0B +7.9% YoY	$4.9B +7.3% YoY	Top 8.3% in tier
Return on Assets ?	0.77% +8.5% YoY +10.8% QoQ	-0.55%	1.32% +10.8% YoY	1.69% +23.4% YoY	1.30% +12.1% YoY	22%
Net Interest Margin ?	3.55% +10.6% YoY +4.4% QoQ	-0.44%	3.99% +5.0% YoY	3.84% +2.9% YoY	3.95% +4.9% YoY	29%
Efficiency Ratio ?	75.27% -3.3% YoY -0.8% QoQ	+10.79%	64.48% -3.2% YoY	64.67% -10.5% YoY	70.05% +2.5% YoY	20%
Delinquency Rate ?	0.18% -55.2% QoQ	-0.74%	0.92% +15.7% YoY	1.15% +46.6% YoY	0.98% +16.3% YoY	67%
Loan-to-Deposit Ratio ?	67.13% +2.3% YoY -2.1% QoQ	-10.82%	77.95% +1.0% YoY	86.69% +1.8% YoY	79.03% +2.3% YoY	74%
Non-Interest-Bearing Deposit Share ?	38.75% +2.9% YoY +1.6% QoQ	+16.72%	22.03% -0.6% YoY	25.07% -3.4% YoY	21.98% -0.6% YoY	Top 5.8% in tier
Nonperforming Asset Ratio ?	0.11% -55.9% QoQ	-0.56%	0.67% +16.4% YoY	0.91% +41.3% YoY	0.69% +15.8% YoY	70%
Tier 1 Capital Ratio ?	16.60% +3.9% YoY +2.7% QoQ	+0.69%	15.91% +1.4% YoY	20.69% -2.9% YoY	17.09% +0.8% YoY	75%
Non-Interest Income / Assets ?	0.16% -5.1% YoY +105.8% QoQ	-0.40%	0.57% +7.6% YoY	1.26% +3.5% YoY	0.66% +5.2% YoY	38%

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	38.7% +1.1pp YoY +0.6pp QoQ	+16.6pp	22.1%	25.5%	22.2%	94%
Brokered Deposits	n/a	n/a	7.9%	11.0%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
C&I	6.5% -0.4pp YoY +0.5pp QoQ	-5.1pp	11.6%	11.8%	12.5%	29%
CRE	76.1% +1.2pp YoY -0.2pp QoQ	+36.5pp	39.5%	67.5%	41.4%	96%
1-4 Family	8.5% -1.1pp YoY -0.5pp QoQ	-24.2pp	32.6%	16.5%	31.3%	9%
Consumer	1.4% +0.5pp YoY 0.0pp QoQ	-2.7pp	4.1%	5.3%	5.0%	37%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
CET1 Ratio	16.6% +0.6pp YoY +0.4pp QoQ	-2.2pp	18.8%	23.7%	19.7%	62%
Leverage Ratio	11.4% +0.9pp YoY 0.0pp QoQ	-0.7pp	12.2%	14.5%	12.6%	57%
Total Capital Ratio	17.9% +0.6pp YoY +0.4pp QoQ	-2.1pp	19.9%	25.1%	20.8%	62%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Full-Time Employees	92 -5 (-5.2%) YoY -4 (-4.2%) QoQ	+33	58	337	482	83%
Assets per Employee ($)	$8.3M +1.9% YoY +1.9% QoQ	+$763K	$7.5M	$11.3M	$8.8M	71%
Branch Count	8 0 YoY 0 QoQ	+3	4	15	18	82%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.3%	0.4%	n/a
Nonaccrual	0.2% 0.0pp QoQ	-0.8pp	0.9%	1.4%	1.0%	28%
Allowance Coverage	8.32x +132.1% QoQ	-15.84x	24.15x	17.11x	20.23x	79%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.3%	0.2%	56%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
ROE	8.0% -0.2pp YoY +0.7pp QoQ	-4.2pp	12.2%	8.2%	11.6%	26%
Cost of Funds (YTD)	0.9% -0.1pp YoY 0.0pp QoQ	-0.8pp	1.7%	1.9%	1.7%	8%
Net Income ($, YTD)	$3.0M +6.9% YoY — QoQ	+$448K	$2.6M	$28.5M	$40.4M	70%

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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 (1)

Credit Quality Pressure

risk

#343 of 1256 • Bottom 27.2% in tier

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

Why this signature

Delinquency Rate: 0.18%

(Tier: 0.92%, National: 0.98%)

better than tier avg

1256 of 1256 Community banks match · 1820 nationally

→ Stable -71 banks QoQ | QoQ rank improving

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 2643 peers in $100M-$1B

Top Strengths (5 metrics)

153

Non-Interest-Bearing Deposit Share

funding

Value: 38.75%

Peer Median: 22.03%

#153 of 2643 Top 5.8% in $100M-$1B

221

Total Deposits

size

Value: $672.95M

Peer Median: $326.73M

#221 of 2643 Top 8.3% in $100M-$1B

263

Total Assets

size

Value: $761.91M

Peer Median: $386.57M

#263 of 2643 Top 9.9% in $100M-$1B

418

Total Loans

size

Value: $451.77M

Peer Median: $258.35M

#418 of 2643 Top 15.8% in $100M-$1B

655

Tier 1 Capital Ratio

capital

Value: 16.60%

Peer Median: 15.91%

#655 of 2643 Top 24.7% in $100M-$1B

Top Weaknesses (2 metrics)

2114

Efficiency Ratio

profitability

Value: 75.27%

Peer Median: 64.48%

#2114 of 2643 Bottom 20.1% in $100M-$1B

2063

Return on Assets

profitability

Value: 0.77%

Peer Median: 1.32%

#2063 of 2643 Bottom 22.0% in $100M-$1B