BlastPoint's Banking Scorecard
Bank of the Orient
Designations: ✓ Community bank ✓ Minority Depository Institution
San Francisco, CA
9 branches across CA · TX
Bank of the Orient has 1 strength but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.09% below tier average
Key Concerns
Areas that may need attention
- - NIB Deposit Bleed: Bottom 38.9% in tier
- - Non-Interest Income / Assets 0.24% below tier average
- - ROA 0.50% below tier average
- - Net Interest Margin 0.21% below tier average
- - Efficiency Ratio 4.24% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.2B
+18.1% YoY
+3.4% QoQ
|
-$1.7B |
$2.8B
-0.1% YoY
|
$4.7B
+7.7% YoY
|
$6.2B
+9.1% YoY
|
Bottom 13.3% in tier |
| Total Loans ? |
$957.5M
+20.8% YoY
+1.9% QoQ
|
-$1.0B |
$2.0B
+0.6% YoY
|
$3.2B
+8.4% YoY
|
$3.2B
+10.8% YoY
|
29% |
| Total Deposits ? |
$996.3M
+20.7% YoY
+4.5% QoQ
|
-$1.3B |
$2.3B
-0.3% YoY
|
$3.9B
+7.0% YoY
|
$4.8B
+8.2% YoY
|
Bottom 14.7% in tier |
| Return on Assets ? |
0.87%
+12.2% YoY
+27.3% QoQ
|
-0.50% |
1.37%
+19.6% YoY
|
1.80%
+29.4% YoY
|
1.23%
+13.4% YoY
|
24% |
| Net Interest Margin ? |
3.61%
-0.3% YoY
-1.5% QoQ
|
-0.21% |
3.82%
+6.9% YoY
|
3.85%
+3.8% YoY
|
3.89%
+5.7% YoY
|
48% |
| Efficiency Ratio ? |
65.30%
-4.8% YoY
-9.7% QoQ
|
+4.24% |
61.06%
-4.6% YoY
|
68.78%
-8.1% YoY
|
66.95%
-4.1% YoY
|
33% |
| Delinquency Rate ? |
0.80%
+122.3% YoY
-4.1% QoQ
|
-0.09% |
0.89%
+14.1% YoY
|
1.17%
+69.3% YoY
|
0.95%
+18.8% YoY
|
35% |
| Loan-to-Deposit Ratio ? |
96.10%
+0.1% YoY
-2.5% QoQ
|
+11.90% |
84.20%
+0.3% YoY
|
85.13%
+2.0% YoY
|
76.70%
+0.9% YoY
|
22% |
| Non-Interest-Bearing Deposit Share ? |
11.07%
-19.6% YoY
-10.8% QoQ
|
-10.22% |
21.29%
-2.5% YoY
|
25.15%
-3.9% YoY
|
22.01%
-1.2% YoY
|
Bottom 14.3% in tier |
| Nonperforming Asset Ratio ? |
0.66%
+60.6% YoY
-5.5% QoQ
|
-0.01% |
0.67%
+15.6% YoY
|
0.91%
+65.9% YoY
|
0.67%
+19.3% YoY
|
32% |
| Tier 1 Capital Ratio ? |
12.06%
-12.5% YoY
-4.4% QoQ
|
-3.10% |
15.16%
+2.0% YoY
|
21.08%
-3.4% YoY
|
17.06%
+0.8% YoY
|
33% |
| Non-Interest Income / Assets ? |
0.02%
-24.7% YoY
-66.7% QoQ
|
-0.24% |
0.26%
+1.6% YoY
|
0.70%
+11.6% YoY
|
0.32%
+4.1% YoY
|
Bottom 2.0% in tier |
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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 (1)
NIB Deposit Bleed
declineNon-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.