BlastPoint's Banking Scorecard
United Pacific Bank
Designations: ✓ Minority Depository Institution
City Of Industry, CA
2 branches across CA
United Pacific Bank has 2 strengths but faces 7 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.08% above tier average
- + Delinquency Rate 0.74% below tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 23.8% in tier
- - Liquidity Overhang: Bottom 35.3% in tier
- - Credit Risk Growth: Bottom 38.4% in tier
- - Return on Assets 0.92% below tier average
- - Efficiency Ratio 21.76% above tier average
- - Non-Interest-Bearing Deposit Share 15.34% below tier average
- - Non-Interest Income / Assets 0.25% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$187.1M
+14.0% YoY
+0.6% QoQ
|
-$199.0M |
$386.1M
+0.5% YoY
|
$4.7B
+7.7% YoY
|
$6.2B
+9.1% YoY
|
23% |
| Total Loans ? |
$136.8M
+8.9% YoY
+1.3% QoQ
|
-$118.9M |
$255.7M
+1.1% YoY
|
$3.2B
+8.4% YoY
|
$3.2B
+10.8% YoY
|
31% |
| Total Deposits ? |
$153.0M
+16.0% YoY
+0.8% QoQ
|
-$175.0M |
$328.0M
+0.1% YoY
|
$3.9B
+7.0% YoY
|
$4.8B
+8.2% YoY
|
22% |
| Return on Assets ? |
0.35%
+94.2% YoY
-5.3% QoQ
|
-0.92% |
1.27%
+12.9% YoY
|
1.80%
+29.4% YoY
|
1.23%
+13.4% YoY
|
Bottom 9.2% in tier |
| Net Interest Margin ? |
4.01%
+1.1% YoY
-0.4% QoQ
|
+0.08% |
3.93%
+6.0% YoY
|
3.85%
+3.8% YoY
|
3.89%
+5.7% YoY
|
58% |
| Efficiency Ratio ? |
87.04%
-7.2% YoY
-4.6% QoQ
|
+21.76% |
65.29%
-4.5% YoY
|
68.78%
-8.1% YoY
|
66.95%
-4.1% YoY
|
Bottom 8.5% in tier |
| Delinquency Rate ? |
0.15%
-5.8% QoQ
|
-0.74% |
0.89%
+18.8% YoY
|
1.17%
+69.3% YoY
|
0.95%
+18.8% YoY
|
69% |
| Loan-to-Deposit Ratio ? |
89.43%
-6.1% YoY
+0.5% QoQ
|
+12.79% |
76.64%
+0.8% YoY
|
85.13%
+2.0% YoY
|
76.70%
+0.9% YoY
|
25% |
| Non-Interest-Bearing Deposit Share ? |
6.68%
+9.7% YoY
+21.3% QoQ
|
-15.34% |
22.02%
-1.0% YoY
|
25.15%
-3.9% YoY
|
22.01%
-1.2% YoY
|
Bottom 5.4% in tier |
| Nonperforming Asset Ratio ? |
0.11%
-5.2% QoQ
|
-0.53% |
0.64%
+19.7% YoY
|
0.91%
+65.9% YoY
|
0.67%
+19.3% YoY
|
69% |
| Tier 1 Capital Ratio ? |
17.30%
-10.9% YoY
+1.0% QoQ
|
+1.47% |
15.83%
+1.5% YoY
|
21.08%
-3.4% YoY
|
17.06%
+0.8% YoY
|
78% |
| Non-Interest Income / Assets ? |
0.03%
-12.3% YoY
-82.7% QoQ
|
-0.25% |
0.28%
+9.3% YoY
|
0.70%
+11.6% YoY
|
0.32%
+4.1% YoY
|
Bottom 7.7% in tier |
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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 (0)
Concerns (3)
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Liquidity Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.