BlastPoint's Banking Scorecard

California Pacific Bank

$100M-$1B Specialty: Commercial CA FDIC cert 23242

Designations: ✓ Minority Depository Institution

Hayward, CA

2 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 +5.2% year over year ($59.2M on the books).
Delinquency rate 17.11%.
Return on assets 1.90%.
Efficiency ratio 49.65% vs a 64.48% peer average.
Loan-to-deposit ratio 134.12% 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) →

California Pacific Bank has 3 strengths but faces 5 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

+ Deposit Franchise: Top 14.4% in tier
+ ROA 0.58% above tier average
+ Efficiency Ratio 14.83% below tier average

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 0.1% in tier
- Cost Spiral: Bottom 26.8% in tier
- Margin Compression: Bottom 49.2% in tier
- Delinquency Rate 16.19% above tier average
- Nonperforming Asset Ratio 15.58% above tier average

Get updates when California Pacific 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 ?	$102.6M +4.7% YoY +1.6% QoQ	-$284.0M	$386.6M +1.2% YoY	$4.9B +8.2% YoY	$6.3B +7.7% YoY	Bottom 0.6% in tier
Total Loans ?	$79.3M +14.0% YoY +4.0% QoQ	-$179.0M	$258.3M +1.7% YoY	$3.3B +8.0% YoY	$3.2B +9.4% YoY	Bottom 10.1% in tier
Total Deposits ?	$59.2M +5.2% YoY +2.2% QoQ	-$267.6M	$326.7M +0.7% YoY	$4.0B +7.9% YoY	$4.9B +7.3% YoY	Bottom 0.5% in tier
Return on Assets ?	1.90% -37.2% YoY +7.1% QoQ	+0.58%	1.32% +10.8% YoY	1.69% +23.4% YoY	1.30% +12.1% YoY	84%
Net Interest Margin ?	5.44% -20.8% YoY +1.2% QoQ	+1.45%	3.99% +5.0% YoY	3.84% +2.9% YoY	3.95% +4.9% YoY	Top 3.3% in tier
Efficiency Ratio ?	49.65% +32.6% YoY -4.9% QoQ	-14.83%	64.48% -3.2% YoY	64.67% -10.5% YoY	70.05% +2.5% YoY	84%
Delinquency Rate ?	17.11% +252.5% YoY -3.1% QoQ	+16.19%	0.92% +15.7% YoY	1.15% +46.6% YoY	0.98% +16.3% YoY	Bottom 0.1% in tier
Loan-to-Deposit Ratio ?	134.12% +8.4% YoY +1.7% QoQ	+56.16%	77.95% +1.0% YoY	86.69% +1.8% YoY	79.03% +2.3% YoY	Bottom 0.4% in tier
Non-Interest-Bearing Deposit Share ?	36.66% -3.7% YoY +4.4% QoQ	+14.63%	22.03% -0.6% YoY	25.07% -3.4% YoY	21.98% -0.6% YoY	Top 7.6% in tier
Nonperforming Asset Ratio ?	16.25% +146.1% YoY -1.0% QoQ	+15.58%	0.67% +16.4% YoY	0.91% +41.3% YoY	0.69% +15.8% YoY	Bottom 0.1% in tier
Tier 1 Capital Ratio ?	40.47% -11.2% YoY -4.0% QoQ	+24.56%	15.91% +1.4% YoY	20.69% -2.9% YoY	17.09% +0.8% YoY	Top 1.7% in tier
Non-Interest Income / Assets ?	0.17% +6.7% YoY +100.3% QoQ	-0.40%	0.57% +7.6% YoY	1.26% +3.5% YoY	0.66% +5.2% YoY	40%

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	36.7% -1.4pp YoY +1.5pp QoQ	+14.5pp	22.1%	25.5%	22.2%	92%
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	5.2% +1.1pp YoY -0.3pp QoQ	-6.4pp	11.6%	11.8%	12.5%	21%
CRE	87.0% -5.6pp YoY -1.7pp QoQ	+47.5pp	39.5%	67.5%	41.4%	99%
1-4 Family	15.6% +4.4pp YoY +1.5pp QoQ	-17.0pp	32.6%	16.5%	31.3%	20%
Consumer	n/a	n/a	4.1%	5.3%	5.0%	n/a

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
CET1 Ratio	40.5% -5.1pp YoY -1.7pp QoQ	+21.6pp	18.8%	23.7%	19.7%	97%
Leverage Ratio	41.0% -2.9pp YoY -1.0pp QoQ	+28.8pp	12.2%	14.5%	12.6%	99%
Total Capital Ratio	41.8% -5.1pp YoY -1.7pp QoQ	+21.8pp	19.9%	25.1%	20.8%	97%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Full-Time Employees	9 -1 (-10.0%) YoY 0 QoQ	-50	58	337	482	0%
Assets per Employee ($)	$11.4M +16.4% YoY +1.6% QoQ	+$3.9M	$7.5M	$11.3M	$8.8M	91%
Branch Count	2 0 YoY 0 QoQ	-3	4	15	18	11%

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	17.1% +12.3pp YoY -0.5pp QoQ	+16.2pp	0.9%	1.4%	1.0%	100%
Allowance Coverage	0.43x -72.8% YoY -0.8% QoQ	-23.72x	24.15x	17.11x	20.23x	7%
Net Charge-off Rate (YTD)	n/a	n/a	0.1%	0.3%	0.2%	n/a

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
ROE	4.6% -2.1pp YoY +0.3pp QoQ	-7.6pp	12.2%	8.2%	11.6%	12%
Cost of Funds (YTD)	1.1% +0.1pp YoY 0.0pp QoQ	-0.6pp	1.7%	1.9%	1.7%	15%
Net Income ($, YTD)	$953,000 -28.2% YoY — QoQ	-$1.6M	$2.6M	$28.5M	$40.4M	25%

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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)

Deposit Franchise

growth

#41 of 278 • Top 14.4% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature

Noninterest-Bearing Deposit Share: 36.66%

(Tier: 22.03%, National: 21.98%)

better than tier avg

Net Interest Margin: 5.44%

(Tier: 3.99%, National: 3.95%)

better than tier avg

278 of 278 Community banks match · 368 nationally

→ Stable -1 banks QoQ | QoQ rank improving

Concerns (3)

Liquidity Overhang

risk

#2 of 742 • Bottom 0.1% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature

Tier 1 Capital Ratio: 40.47%

(Tier: 15.91%, National: 17.09%)

better than tier avg

Loan-to-Deposit Ratio: 134.12%

(Tier: 77.95%, National: 79.03%)

worse than tier avg

742 of 742 Community banks match · 940 nationally

→ Stable +7 banks QoQ

Cost Spiral

risk

#38 of 138 • Bottom 26.8% in tier

Historically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.

Why this signature

Efficiency Ratio: 49.65%

(Tier: 64.48%, National: 70.05%)

better than tier avg

138 of 138 Community banks match · 184 nationally

→ Stable +9 banks QoQ | QoQ rank improving

Margin Compression

decline

#152 of 307 • Bottom 49.2% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature

Return on Assets: 1.90%

(Tier: 1.32%, National: 1.30%)

better than tier avg

307 of 307 Community banks match · 413 nationally

→ Stable +8 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)

Tier 1 Capital Ratio

capital

Value: 40.47%

Peer Median: 15.91%

#47 of 2643 Top 1.7% in $100M-$1B

Net Interest Margin

profitability

Value: 5.44%

Peer Median: 3.99%

#89 of 2643 Top 3.3% in $100M-$1B

202

Non-Interest-Bearing Deposit Share

funding

Value: 36.66%

Peer Median: 22.03%

#202 of 2643 Top 7.6% in $100M-$1B

428

Return on Assets

profitability

Value: 1.90%

Peer Median: 1.32%

#428 of 2643 Top 16.2% in $100M-$1B

431

Efficiency Ratio

profitability

Value: 49.65%

Peer Median: 64.48%

#431 of 2643 Top 16.3% in $100M-$1B

Top Weaknesses (6 metrics)

2642

Nonperforming Asset Ratio

credit_quality

Value: 16.25%

Peer Median: 0.67%

#2642 of 2643 Bottom 0.1% in $100M-$1B

2632

Delinquency Rate

credit_quality

Value: 17.11%

Peer Median: 0.92%

#2632 of 2633 Bottom 0.1% in $100M-$1B

2633

Loan-to-Deposit Ratio

liquidity

Value: 134.12%

Peer Median: 77.95%

#2633 of 2643 Bottom 0.4% in $100M-$1B

2632

Total Deposits

size

Value: $59.15M

Peer Median: $326.73M

#2632 of 2643 Bottom 0.5% in $100M-$1B

2629

Total Assets

size

Value: $102.58M

Peer Median: $386.57M

#2629 of 2643 Bottom 0.6% in $100M-$1B

2378

Total Loans

size

Value: $79.33M

Peer Median: $258.35M

#2378 of 2643 Bottom 10.1% in $100M-$1B