BlastPoint's Banking Scorecard
State Bank of India (California)
Designations: ✓ Community bank
Los Angeles, CA
8 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 885 banks in the $1B-$10B peer group nationwide — 1 of 49 in CA.
- Deposits +5.9% year over year ($1.2B on the books).
- Delinquency rate 1.12%.
- Return on assets 1.10%.
- Efficiency ratio 56.55% vs a 59.73% peer average.
- Loan-to-deposit ratio 98.81% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
State Bank of India (California) has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 3.18% below tier average
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 38.2% in tier
- - Net Interest Margin 1.03% below tier average
- - ROA 0.30% below tier average
- - Delinquency Rate 0.26% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.4B
+6.0% YoY
-0.8% QoQ
|
-$1.4B |
$2.8B
-0.6% YoY
|
$4.9B
+8.2% YoY
|
$6.3B
+7.7% YoY
|
28% |
| Total Loans ? |
$1.2B
+4.0% YoY
-2.0% QoQ
|
-$796.0M |
$2.0B
-0.3% YoY
|
$3.3B
+8.0% YoY
|
$3.2B
+9.4% YoY
|
41% |
| Total Deposits ? |
$1.2B
+5.9% YoY
-0.7% QoQ
|
-$1.1B |
$2.3B
-0.5% YoY
|
$4.0B
+7.9% YoY
|
$4.9B
+7.3% YoY
|
28% |
| Return on Assets ? |
1.10%
+36.8% YoY
-19.0% QoQ
|
-0.30% |
1.39%
+17.0% YoY
|
1.69%
+23.4% YoY
|
1.30%
+12.1% YoY
|
36% |
| Net Interest Margin ? |
2.84%
+1.8% YoY
-0.9% QoQ
|
-1.03% |
3.87%
+6.2% YoY
|
3.84%
+2.9% YoY
|
3.95%
+4.9% YoY
|
Bottom 9.8% in tier |
| Efficiency Ratio ? |
56.55%
-1.6% YoY
+4.0% QoQ
|
-3.18% |
59.73%
-12.6% YoY
|
64.67%
-10.5% YoY
|
70.05%
+2.5% YoY
|
59% |
| Delinquency Rate ? |
1.12%
+155.0% YoY
+1.9% QoQ
|
+0.26% |
0.87%
+11.7% YoY
|
1.15%
+46.6% YoY
|
0.98%
+16.3% YoY
|
24% |
| Loan-to-Deposit Ratio ? |
98.81%
-1.9% YoY
-1.4% QoQ
|
+13.77% |
85.04%
-0.1% YoY
|
86.69%
+1.8% YoY
|
79.03%
+2.3% YoY
|
18% |
| Non-Interest-Bearing Deposit Share ? |
10.92%
+11.0% YoY
+15.6% QoQ
|
-10.35% |
21.27%
-1.5% YoY
|
25.07%
-3.4% YoY
|
21.98%
-0.6% YoY
|
Bottom 12.7% in tier |
| Nonperforming Asset Ratio ? |
0.95%
+150.0% YoY
+0.7% QoQ
|
+0.27% |
0.67%
+11.7% YoY
|
0.91%
+41.3% YoY
|
0.69%
+15.8% YoY
|
24% |
| Tier 1 Capital Ratio ? |
15.94%
-0.6% YoY
+3.4% QoQ
|
+1.10% |
14.84%
-0.4% YoY
|
20.69%
-2.9% YoY
|
17.09%
+0.8% YoY
|
80% |
| Non-Interest Income / Assets ? |
0.11%
+33.4% YoY
+71.4% QoQ
|
-0.41% |
0.53%
+2.5% YoY
|
1.26%
+3.5% YoY
|
0.66%
+5.2% YoY
|
Bottom 11.6% in tier |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 |
10.9%
+1.1pp YoY +1.5pp QoQ |
-10.4pp | 21.4% | 25.5% | 22.2% | 12% |
| Brokered Deposits |
10.2%
-4.7pp YoY -3.2pp QoQ |
+0.7pp | 9.5% | 11.0% | 8.5% | 70% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
41.9%
0.0pp YoY -1.5pp QoQ |
+27.9pp | 14.0% | 11.8% | 12.5% | 96% |
| CRE | n/a | n/a | 50.0% | 67.5% | 41.4% | n/a |
| 1-4 Family | n/a | n/a | 26.4% | 16.5% | 31.3% | n/a |
| Consumer | n/a | n/a | 4.7% | 5.3% | 5.0% | n/a |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
15.9%
-0.1pp YoY +0.5pp QoQ |
+0.3pp | 15.6% | 23.7% | 19.7% | 77% |
| Leverage Ratio |
14.0%
-0.3pp YoY +0.1pp QoQ |
+2.7pp | 11.3% | 14.5% | 12.6% | 90% |
| Total Capital Ratio |
17.2%
-0.1pp YoY +0.5pp QoQ |
+0.5pp | 16.7% | 25.1% | 20.8% | 78% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
99
-2 (-2.0%) YoY +3 (+3.1%) QoQ |
-215 | 313 | 337 | 482 | 7% |
| Assets per Employee ($) |
$14.0M
+8.2% YoY -3.8% QoQ |
+$3.5M | $10.5M | $11.3M | $8.8M | 86% |
| Branch Count |
8
0 YoY 0 QoQ |
-12 | 20 | 15 | 18 | 20% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.2% | 0.3% | 0.4% | n/a |
| Nonaccrual |
1.1%
+0.7pp YoY 0.0pp QoQ |
+0.3pp | 0.8% | 1.4% | 1.0% | 77% |
| Allowance Coverage |
1.19x
-61.2% YoY -0.1% QoQ |
-17.52x | 18.71x | 17.11x | 20.23x | 30% |
| Net Charge-off Rate (YTD) |
0.0%
-0.3pp YoY 0.0pp QoQ |
-0.3pp | 0.3% | 0.3% | 0.2% | 26% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
8.2%
+2.3pp YoY -1.9pp QoQ |
-4.4pp | 12.6% | 8.2% | 11.6% | 21% |
| Cost of Funds (YTD) |
2.8%
-0.2pp YoY 0.0pp QoQ |
+0.9pp | 1.9% | 1.9% | 1.7% | 92% |
| Net Income ($, YTD) |
$7.5M
+47.6% YoY — QoQ |
-$11.7M | $19.2M | $28.5M | $40.4M | 27% |
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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 (1)
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.