BlastPoint's Banking Scorecard

HCN Bank

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

Riverside, CA

7 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 +0.4% year over year ($846.3M on the books).
Delinquency rate 0.00%.
Return on assets 2.22%.
Efficiency ratio 44.90% vs a 64.48% peer average.
Loan-to-deposit ratio 91.74% 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) →

HCN Bank has 5 strengths but faces 1 concern

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 35.8% in tier
+ Return on Assets 0.90% above tier average
+ Efficiency Ratio 19.58% below tier average
+ Nonperforming Asset Ratio 0.67% below tier average
+ Net Interest Margin 0.10% above tier average

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 40.7% in tier

Get updates when HCN 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 ?	$998.4M +3.9% YoY +2.5% QoQ	+$611.9M	$386.6M +1.2% YoY	$4.9B +8.2% YoY	$6.3B +7.7% YoY	Top 0.1% in tier
Total Loans ?	$776.4M +9.0% YoY +3.0% QoQ	+$518.0M	$258.3M +1.7% YoY	$3.3B +8.0% YoY	$3.2B +9.4% YoY	Top 0.5% in tier
Total Deposits ?	$846.3M +0.4% YoY -0.8% QoQ	+$519.6M	$326.7M +0.7% YoY	$4.0B +7.9% YoY	$4.9B +7.3% YoY	Top 0.7% in tier
Return on Assets ?	2.22% -7.8% YoY -0.9% QoQ	+0.90%	1.32% +10.8% YoY	1.69% +23.4% YoY	1.30% +12.1% YoY	Top 8.5% in tier
Net Interest Margin ?	4.09% +1.8% YoY -0.5% QoQ	+0.10%	3.99% +5.0% YoY	3.84% +2.9% YoY	3.95% +4.9% YoY	58%
Efficiency Ratio ?	44.90% +7.4% YoY +0.3% QoQ	-19.58%	64.48% -3.2% YoY	64.67% -10.5% YoY	70.05% +2.5% YoY	Top 8.9% in tier
Delinquency Rate ?	0.00%	-0.92%	0.92% +15.7% YoY	1.15% +46.6% YoY	0.98% +16.3% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	91.74% +8.6% YoY +3.8% QoQ	+13.79%	77.95% +1.0% YoY	86.69% +1.8% YoY	79.03% +2.3% YoY	23%
Non-Interest-Bearing Deposit Share ?	32.85% -6.7% YoY -5.2% QoQ	+10.82%	22.03% -0.6% YoY	25.07% -3.4% YoY	21.98% -0.6% YoY	Top 12.8% in tier
Nonperforming Asset Ratio ?	0.00%	-0.67%	0.67% +16.4% YoY	0.91% +41.3% YoY	0.69% +15.8% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	11.70% -18.9% YoY -16.7% QoQ	-4.20%	15.91% +1.4% YoY	20.69% -2.9% YoY	17.09% +0.8% YoY	32%
Non-Interest Income / Assets ?	0.21% -5.2% YoY +100.5% QoQ	-0.35%	0.57% +7.6% YoY	1.26% +3.5% YoY	0.66% +5.2% YoY	54%

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	32.9% -2.4pp YoY -1.8pp QoQ	+10.7pp	22.1%	25.5%	22.2%	87%
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	1.8% +0.6pp YoY -0.2pp QoQ	-9.7pp	11.6%	11.8%	12.5%	6%
CRE	98.7% -0.8pp YoY 0.0pp QoQ	+59.2pp	39.5%	67.5%	41.4%	100%
1-4 Family	0.2% 0.0pp YoY 0.0pp QoQ	-32.5pp	32.6%	16.5%	31.3%	0%
Consumer	0.0% 0.0pp YoY 0.0pp QoQ	-4.1pp	4.1%	5.3%	5.0%	2%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	18.8%	23.7%	19.7%	n/a
Leverage Ratio	11.7% +0.3pp YoY +0.1pp QoQ	-0.5pp	12.2%	14.5%	12.6%	61%
Total Capital Ratio	n/a	n/a	19.9%	25.1%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Full-Time Employees	89 -4 (-4.3%) YoY -1 (-1.1%) QoQ	+30	58	337	482	82%
Assets per Employee ($)	$11.2M +8.6% YoY +3.6% QoQ	+$3.7M	$7.5M	$11.3M	$8.8M	91%
Branch Count	7 +1 (+16.7%) YoY 0 QoQ	+2	4	15	18	75%

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	n/a	n/a	0.9%	1.4%	1.0%	n/a
Allowance Coverage	n/a	n/a	24.15x	17.11x	20.23x	n/a
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.3%	0.2%	33%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
ROE	19.2% -2.5pp YoY -0.1pp QoQ	+7.0pp	12.2%	8.2%	11.6%	85%
Cost of Funds (YTD)	1.2% +0.1pp YoY 0.0pp QoQ	-0.5pp	1.7%	1.9%	1.7%	21%
Net Income ($, YTD)	$10.9M -6.2% YoY — QoQ	+$8.3M	$2.6M	$28.5M	$40.4M	99%

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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

#237 of 659 • Top 35.8% 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: 0.92%, National: 0.98%)

better than tier avg

659 of 659 Community banks match · 920 nationally

→ Stable +1 banks QoQ | QoQ rank improving

Concerns (1)

Liquidity Strain

risk

#282 of 691 • Bottom 40.7% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 91.74%

(Tier: 77.95%, National: 79.03%)

worse than tier avg

691 of 691 Community banks match · 1092 nationally

→ Stable +81 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 2643 peers in $100M-$1B

Top Strengths (8 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.92%

#1 of 2633 Top 0.1% in $100M-$1B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.67%

#1 of 2643 Top 0.1% in $100M-$1B

Total Assets

size

Value: $998.43M

Peer Median: $386.57M

#3 of 2643 Top 0.1% in $100M-$1B

Total Loans

size

Value: $776.39M

Peer Median: $258.35M

#15 of 2643 Top 0.5% in $100M-$1B

Total Deposits

size

Value: $846.29M

Peer Median: $326.73M

#19 of 2643 Top 0.7% in $100M-$1B

225

Return on Assets

profitability

Value: 2.22%

Peer Median: 1.32%

#225 of 2643 Top 8.5% in $100M-$1B

237

Efficiency Ratio

profitability

Value: 44.90%

Peer Median: 64.48%

#237 of 2643 Top 8.9% in $100M-$1B

340

Non-Interest-Bearing Deposit Share

funding

Value: 32.85%

Peer Median: 22.03%

#340 of 2643 Top 12.8% in $100M-$1B

Top Weaknesses (1 metrics)

2042

Loan-to-Deposit Ratio

liquidity

Value: 91.74%

Peer Median: 77.95%

#2042 of 2643 Bottom 22.8% in $100M-$1B