BlastPoint's Banking Scorecard
State Bank of India (California)
Designations: ✓ Community bank
Los Angeles, CA
8 branches across CA
State Bank of India (California) has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 6.71% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.95% below tier average
- - Delinquency Rate 0.21% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.4B
+9.7% YoY
+3.9% QoQ
|
-$1.4B |
$2.8B
-0.1% YoY
|
$4.7B
+7.7% YoY
|
$6.2B
+9.1% YoY
|
29% |
| Total Loans ? |
$1.2B
+9.0% YoY
+3.2% QoQ
|
-$773.2M |
$2.0B
+0.6% YoY
|
$3.2B
+8.4% YoY
|
$3.2B
+10.8% YoY
|
43% |
| Total Deposits ? |
$1.2B
+9.6% YoY
+4.1% QoQ
|
-$1.2B |
$2.3B
-0.3% YoY
|
$3.9B
+7.0% YoY
|
$4.8B
+8.2% YoY
|
30% |
| Return on Assets ? |
1.35%
+51.7% YoY
+69.0% QoQ
|
-0.01% |
1.37%
+19.6% YoY
|
1.80%
+29.4% YoY
|
1.23%
+13.4% YoY
|
61% |
| Net Interest Margin ? |
2.87%
+7.0% YoY
+2.6% QoQ
|
-0.95% |
3.82%
+6.9% YoY
|
3.85%
+3.8% YoY
|
3.89%
+5.7% YoY
|
Bottom 12.9% in tier |
| Efficiency Ratio ? |
54.35%
-11.3% YoY
-7.2% QoQ
|
-6.71% |
61.06%
-4.6% YoY
|
68.78%
-8.1% YoY
|
66.95%
-4.1% YoY
|
66% |
| Delinquency Rate ? |
1.10%
-34.0% QoQ
|
+0.21% |
0.89%
+14.1% YoY
|
1.17%
+69.3% YoY
|
0.95%
+18.8% YoY
|
24% |
| Loan-to-Deposit Ratio ? |
100.17%
-0.5% YoY
-0.9% QoQ
|
+15.97% |
84.20%
+0.3% YoY
|
85.13%
+2.0% YoY
|
76.70%
+0.9% YoY
|
Bottom 13.3% in tier |
| Non-Interest-Bearing Deposit Share ? |
9.45%
-8.4% YoY
+0.4% QoQ
|
-11.84% |
21.29%
-2.5% YoY
|
25.15%
-3.9% YoY
|
22.01%
-1.2% YoY
|
Bottom 10.6% in tier |
| Nonperforming Asset Ratio ? |
0.94%
-34.5% QoQ
|
+0.27% |
0.67%
+15.6% YoY
|
0.91%
+65.9% YoY
|
0.67%
+19.3% YoY
|
22% |
| Tier 1 Capital Ratio ? |
15.42%
-5.5% YoY
-2.2% QoQ
|
+0.26% |
15.16%
+2.0% YoY
|
21.08%
-3.4% YoY
|
17.06%
+0.8% YoY
|
77% |
| Non-Interest Income / Assets ? |
0.07%
+54.1% YoY
-65.4% QoQ
|
-0.19% |
0.26%
+1.6% YoY
|
0.70%
+11.6% YoY
|
0.32%
+4.1% YoY
|
17% |
Get Full Access to State Bank of India (California)
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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.