BlastPoint's Banking Scorecard

HCN Bank

$100M-$1B Specialty: Commercial CA FDIC cert 21606

Riverside, CA

7 branches across CA

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

HCN Bank has 5 strengths but faces 2 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

+ Credit Quality Leader: Top 38.7% in tier
+ Return on Assets 0.97% above tier average
+ Efficiency Ratio 20.50% below tier average
+ Nonperforming Asset Ratio 0.64% below tier average
+ Net Interest Margin 0.18% above tier average

Key Concerns

Areas that may need attention

- Deposit Outflow: Bottom 4.3% in tier
- Capital Constraint: Bottom 37.0% in tier

Get updates when HCN Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Total Assets ?	$974.1M -2.3% YoY -0.1% QoQ	+$588.1M	$386.1M +0.5% YoY	$4.7B +7.7% YoY	$6.2B +9.1% YoY	Top 0.8% in tier
Total Loans ?	$753.6M +10.1% YoY +1.4% QoQ	+$497.9M	$255.7M +1.1% YoY	$3.2B +8.4% YoY	$3.2B +10.8% YoY	Top 1.0% in tier
Total Deposits ?	$852.7M -3.3% YoY -0.1% QoQ	+$524.7M	$328.0M +0.1% YoY	$3.9B +7.0% YoY	$4.8B +8.2% YoY	Top 0.6% in tier
Return on Assets ?	2.24% -10.9% YoY -3.8% QoQ	+0.97%	1.27% +12.9% YoY	1.80% +29.4% YoY	1.23% +13.4% YoY	Top 8.1% in tier
Net Interest Margin ?	4.11% +2.4% YoY +2.0% QoQ	+0.18%	3.93% +6.0% YoY	3.85% +3.8% YoY	3.89% +5.7% YoY	63%
Efficiency Ratio ?	44.79% +9.6% YoY +6.0% QoQ	-20.50%	65.29% -4.5% YoY	68.78% -8.1% YoY	66.95% -4.1% YoY	Top 8.8% in tier
Delinquency Rate ?	0.00%	-0.89%	0.89% +18.8% YoY	1.17% +69.3% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	88.38% +13.8% YoY +1.5% QoQ	+11.74%	76.64% +0.8% YoY	85.13% +2.0% YoY	76.70% +0.9% YoY	28%
Non-Interest-Bearing Deposit Share ?	34.64% -10.5% YoY +3.4% QoQ	+12.62%	22.02% -1.0% YoY	25.15% -3.9% YoY	22.01% -1.2% YoY	Top 10.5% in tier
Nonperforming Asset Ratio ?	0.00%	-0.64%	0.64% +19.7% YoY	0.91% +65.9% YoY	0.67% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	14.05% -5.1% YoY -0.2% QoQ	-1.78%	15.83% +1.5% YoY	21.08% -3.4% YoY	17.06% +0.8% YoY	57%
Non-Interest Income / Assets ?	0.11% +2.9% YoY -76.3% QoQ	-0.17%	0.28% +9.3% YoY	0.70% +11.6% YoY	0.32% +4.1% YoY	56%

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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 (1)

Credit Quality Leader

growth

#258 of 664 • Top 38.7% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature

Delinquency Rate: 0.00%

(Tier: 0.89%, National: 0.95%)

better than tier avg

664 of 664 Community banks match · 922 nationally

→ Stable +2 banks QoQ | QoQ rank improving

Concerns (2)

Deposit Outflow

decline

#23 of 506 • Bottom 4.3% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

506 of 506 Community banks match · 656 nationally

→ Stable -8 banks QoQ

Capital Constraint

risk

#41 of 108 • Bottom 37.0% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.

Why this signature

Loan-to-Deposit Ratio: 88.38%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

Tier 1 Capital Ratio: 14.05%

(Tier: 15.83%, National: 17.06%)

worse than tier avg

108 of 108 Community banks match · 148 nationally

↑ Growing +19 banks QoQ

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 (8 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.89%

#1 of 2654 Top 0.1% in $100M-$1B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.64%

#1 of 2664 Top 0.1% in $100M-$1B

Total Deposits

size

Value: $852.68M

Peer Median: $327.97M

#16 of 2664 Top 0.6% in $100M-$1B

Total Assets

size

Value: $974.15M

Peer Median: $386.08M

#22 of 2664 Top 0.8% in $100M-$1B

Total Loans

size

Value: $753.60M

Peer Median: $255.72M

#28 of 2664 Top 1.0% in $100M-$1B

216

Return on Assets

profitability

Value: 2.24%

Peer Median: 1.27%

#216 of 2664 Top 8.1% in $100M-$1B

235

Efficiency Ratio

profitability

Value: 44.79%

Peer Median: 65.29%

#235 of 2664 Top 8.8% in $100M-$1B

280

Non-Interest-Bearing Deposit Share

funding

Value: 34.64%

Peer Median: 22.02%

#280 of 2664 Top 10.5% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available