BlastPoint's Banking Scorecard
California Pacific Bank
Designations: ✓ Minority Depository Institution
Hayward, CA
2 branches across CA
California Pacific Bank has 3 strengths but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Deposit Franchise: Top 19.8% in tier
- + ROA 0.50% above tier average
- + Efficiency Ratio 13.10% below tier average
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 0.1% in tier
- - Cost Spiral: Bottom 34.1% in tier
- - Margin Compression: Bottom 74.1% in tier
- - Delinquency Rate 16.77% above tier average
- - Nonperforming Asset Ratio 15.77% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$100.9M
+21.5% YoY
+3.4% QoQ
|
-$285.2M |
$386.1M
+0.5% YoY
|
$4.7B
+7.7% YoY
|
$6.2B
+9.1% YoY
|
Bottom 0.5% in tier |
| Total Loans ? |
$76.3M
+18.7% YoY
+5.3% QoQ
|
-$179.4M |
$255.7M
+1.1% YoY
|
$3.2B
+8.4% YoY
|
$3.2B
+10.8% YoY
|
Bottom 9.6% in tier |
| Total Deposits ? |
$57.9M
+38.9% YoY
+4.6% QoQ
|
-$270.1M |
$328.0M
+0.1% YoY
|
$3.9B
+7.0% YoY
|
$4.8B
+8.2% YoY
|
Bottom 0.4% in tier |
| Return on Assets ? |
1.77%
-45.6% YoY
-7.9% QoQ
|
+0.50% |
1.27%
+12.9% YoY
|
1.80%
+29.4% YoY
|
1.23%
+13.4% YoY
|
80% |
| Net Interest Margin ? |
5.37%
-27.2% YoY
-13.6% QoQ
|
+1.44% |
3.93%
+6.0% YoY
|
3.85%
+3.8% YoY
|
3.89%
+5.7% YoY
|
Top 3.8% in tier |
| Efficiency Ratio ? |
52.19%
+38.3% YoY
+8.4% QoQ
|
-13.10% |
65.29%
-4.5% YoY
|
68.78%
-8.1% YoY
|
66.95%
-4.1% YoY
|
80% |
| Delinquency Rate ? |
17.65%
+76.0% YoY
-3.7% QoQ
|
+16.77% |
0.89%
+18.8% YoY
|
1.17%
+69.3% YoY
|
0.95%
+18.8% YoY
|
Bottom 0.1% in tier |
| Loan-to-Deposit Ratio ? |
131.89%
-14.5% YoY
+0.7% QoQ
|
+55.25% |
76.64%
+0.8% YoY
|
85.13%
+2.0% YoY
|
76.70%
+0.9% YoY
|
Bottom 0.5% in tier |
| Non-Interest-Bearing Deposit Share ? |
35.13%
-20.0% YoY
-5.5% QoQ
|
+13.11% |
22.02%
-1.0% YoY
|
25.15%
-3.9% YoY
|
22.01%
-1.2% YoY
|
Top 9.7% in tier |
| Nonperforming Asset Ratio ? |
16.41%
+111.3% YoY
-2.2% QoQ
|
+15.77% |
0.64%
+19.7% YoY
|
0.91%
+65.9% YoY
|
0.67%
+19.3% YoY
|
Bottom 0.1% in tier |
| Tier 1 Capital Ratio ? |
42.14%
-14.5% YoY
-2.3% QoQ
|
+26.31% |
15.83%
+1.5% YoY
|
21.08%
-3.4% YoY
|
17.06%
+0.8% YoY
|
Top 1.4% in tier |
| Non-Interest Income / Assets ? |
0.08%
-1.2% YoY
-74.0% QoQ
|
-0.20% |
0.28%
+9.3% YoY
|
0.70%
+11.6% YoY
|
0.32%
+4.1% YoY
|
41% |
Get Full Access to California Pacific Bank
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
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 (1)
Deposit Franchise
growthTop-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.
Concerns (3)
Liquidity Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Cost Spiral
riskHistorically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.