BlastPoint's Banking Scorecard

Bank of the Orient

$1B-$10B Specialty: Commercial CA FDIC cert 20387

Designations: ✓ Community bank ✓ Minority Depository Institution

San Francisco, CA

10 branches across CA · TX

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 +21.5% year over year ($1.1B on the books).
Delinquency rate 2.19%.
Return on assets 0.76%.
Efficiency ratio 67.10% vs a 59.73% peer average.
Loan-to-deposit ratio 92.96% vs a 85.04% peer average.

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

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

View $1B-$10B leaderboard (CA) →

Bank of the Orient faces 6 concerns requiring attention

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

No key strengths identified

Key Concerns

Areas that may need attention

- Delinquency Rate 1.32% above tier average
- Nonperforming Asset Ratio 1.09% above tier average
- Non-Interest Income / Assets 0.50% below tier average
- ROA 0.63% below tier average
- Net Interest Margin 0.36% below tier average
- Efficiency Ratio 7.37% above tier average

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Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Total Assets ?	$1.2B +18.9% YoY +4.7% QoQ	-$1.6B	$2.8B -0.6% YoY	$4.9B +8.2% YoY	$6.3B +7.7% YoY	18%
Total Loans ?	$977.0M +19.2% YoY +2.0% QoQ	-$986.3M	$2.0B -0.3% YoY	$3.3B +8.0% YoY	$3.2B +9.4% YoY	30%
Total Deposits ?	$1.1B +21.5% YoY +5.5% QoQ	-$1.3B	$2.3B -0.5% YoY	$4.0B +7.9% YoY	$4.9B +7.3% YoY	19%
Return on Assets ?	0.76% -4.3% YoY -12.5% QoQ	-0.63%	1.39% +17.0% YoY	1.69% +23.4% YoY	1.30% +12.1% YoY	16%
Net Interest Margin ?	3.51% -3.8% YoY -2.9% QoQ	-0.36%	3.87% +6.2% YoY	3.84% +2.9% YoY	3.95% +4.9% YoY	37%
Efficiency Ratio ?	67.10% -1.2% YoY +2.8% QoQ	+7.37%	59.73% -12.6% YoY	64.67% -10.5% YoY	70.05% +2.5% YoY	28%
Delinquency Rate ?	2.19% +87.0% YoY +173.1% QoQ	+1.32%	0.87% +11.7% YoY	1.15% +46.6% YoY	0.98% +16.3% YoY	Bottom 7.5% in tier
Loan-to-Deposit Ratio ?	92.96% -1.9% YoY -3.3% QoQ	+7.92%	85.04% -0.1% YoY	86.69% +1.8% YoY	79.03% +2.3% YoY	33%
Non-Interest-Bearing Deposit Share ?	10.86% -15.0% YoY -1.9% QoQ	-10.42%	21.27% -1.5% YoY	25.07% -3.4% YoY	21.98% -0.6% YoY	Bottom 12.2% in tier
Nonperforming Asset Ratio ?	1.76% +58.2% YoY +166.2% QoQ	+1.09%	0.67% +11.7% YoY	0.91% +41.3% YoY	0.69% +15.8% YoY	Bottom 7.3% in tier
Tier 1 Capital Ratio ?	11.65% -10.4% YoY -3.3% QoQ	-3.19%	14.84% -0.4% YoY	20.69% -2.9% YoY	17.09% +0.8% YoY	27%
Non-Interest Income / Assets ?	0.03% -23.7% YoY +87.4% QoQ	-0.50%	0.53% +2.5% YoY	1.26% +3.5% YoY	0.66% +5.2% YoY	Bottom 1.9% in tier

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	10.9% -1.9pp YoY -0.2pp QoQ	-10.5pp	21.4%	25.5%	22.2%	12%
Brokered Deposits	2.4% -4.6pp QoQ	-7.1pp	9.5%	11.0%	8.5%	31%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
C&I	3.5% +1.6pp YoY +0.1pp QoQ	-10.5pp	14.0%	11.8%	12.5%	12%
CRE	82.0% +5.0pp YoY +2.0pp QoQ	+32.0pp	50.0%	67.5%	41.4%	96%
1-4 Family	15.8% -6.8pp YoY -2.1pp QoQ	-10.6pp	26.4%	16.5%	31.3%	33%
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	11.7% -1.3pp YoY -0.4pp QoQ	+0.3pp	11.3%	14.5%	12.6%	72%
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	107 +4 (+3.9%) YoY +3 (+2.9%) QoQ	-207	313	337	482	9%
Assets per Employee ($)	$11.4M +14.5% YoY +1.7% QoQ	+$869K	$10.5M	$11.3M	$8.8M	74%
Branch Count	10 +1 (+11.1%) YoY +1 (+11.1%) QoQ	-10	20	15	18	29%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Past Due 90+ Days	1.4% +1.1pp YoY	+1.3pp	0.2%	0.3%	0.4%	97%
Nonaccrual	0.8% 0.0pp YoY 0.0pp QoQ	0.0pp	0.8%	1.4%	1.0%	65%
Allowance Coverage	0.64x -52.9% YoY -63.4% QoQ	-18.07x	18.71x	17.11x	20.23x	10%
Net Charge-off Rate (YTD)	n/a	n/a	0.3%	0.3%	0.2%	n/a

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
ROE	6.5% +0.5pp YoY -0.8pp QoQ	-6.0pp	12.6%	8.2%	11.6%	14%
Cost of Funds (YTD)	2.6% -0.1pp YoY +0.1pp QoQ	+0.7pp	1.9%	1.9%	1.7%	88%
Net Income ($, YTD)	$4.4M +12.7% YoY — QoQ	-$14.8M	$19.2M	$28.5M	$40.4M	9%

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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 (0)

No matched concern signatures this quarter

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 885 peers in $1B-$10B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (7 metrics)

869

Non-Interest Income / Assets

revenue_mix

Value: 0.03%

Peer Median: 0.53%

#869 of 885 Bottom 1.9% in $1B-$10B

821

Nonperforming Asset Ratio

credit_quality

Value: 1.76%

Peer Median: 0.67%

#821 of 885 Bottom 7.3% in $1B-$10B

817

Delinquency Rate

credit_quality

Value: 2.19%

Peer Median: 0.87%

#817 of 882 Bottom 7.5% in $1B-$10B

778

Non-Interest-Bearing Deposit Share

funding

Value: 10.86%

Peer Median: 21.27%

#778 of 885 Bottom 12.2% in $1B-$10B

740

Return on Assets

profitability

Value: 0.76%

Peer Median: 1.39%

#740 of 885 Bottom 16.5% in $1B-$10B

725

Total Assets

size

Value: $1.21B

Peer Median: $2.79B

#725 of 885 Bottom 18.2% in $1B-$10B

714

Total Deposits

size

Value: $1.05B

Peer Median: $2.32B

#714 of 885 Bottom 19.4% in $1B-$10B