BlastPoint's Banking Scorecard

Bank of Whittier, National Association

$100M-$1B Specialty: Commercial CA FDIC cert 24211

Designations: ✓ Minority Depository Institution

Whittier, CA

2 branches across CA · TX

2664 banks in the $100M-$1B peer group nationally 53 in CA

Bank of Whittier, National Association has 3 strengths but faces 4 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

+ Credit Quality Leader: Top 40.5% in tier
+ Nonperforming Asset Ratio 0.64% below tier average
+ Efficiency Ratio 6.67% below tier average

Key Concerns

Areas that may need attention

- Deposit Outflow: Bottom 25.1% in tier
- Net Interest Margin 1.56% below tier average
- Non-Interest-Bearing Deposit Share 13.96% below tier average
- ROA 0.37% below tier average

Get updates when Bank of Whittier, National Association releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Total Assets ?	$158.8M -8.4% YoY -6.0% QoQ	-$227.2M	$386.1M +0.5% YoY	$4.7B +7.7% YoY	$6.2B +9.1% YoY	17%
Total Loans ?	$83.9M +1.8% YoY +1.7% QoQ	-$171.8M	$255.7M +1.1% YoY	$3.2B +8.4% YoY	$3.2B +10.8% YoY	Bottom 13.0% in tier
Total Deposits ?	$131.0M -11.4% YoY -7.4% QoQ	-$196.9M	$328.0M +0.1% YoY	$3.9B +7.0% YoY	$4.8B +8.2% YoY	16%
Return on Assets ?	0.90% +127.5% YoY +17.9% QoQ	-0.37%	1.27% +12.9% YoY	1.80% +29.4% YoY	1.23% +13.4% YoY	31%
Net Interest Margin ?	2.37% +22.3% YoY +2.6% QoQ	-1.56%	3.93% +6.0% YoY	3.85% +3.8% YoY	3.89% +5.7% YoY	Bottom 2.3% in tier
Efficiency Ratio ?	58.62% -23.9% YoY -4.6% QoQ	-6.67%	65.29% -4.5% YoY	68.78% -8.1% YoY	66.95% -4.1% YoY	64%
Delinquency Rate ?	0.00%	-0.89%	0.89% +18.8% YoY	1.17% +69.3% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	64.01% +14.9% YoY +9.9% QoQ	-12.63%	76.64% +0.8% YoY	85.13% +2.0% YoY	76.70% +0.9% YoY	76%
Non-Interest-Bearing Deposit Share ?	8.06% +5.2% YoY -9.9% QoQ	-13.96%	22.02% -1.0% YoY	25.15% -3.9% YoY	22.01% -1.2% YoY	Bottom 7.3% in tier
Nonperforming Asset Ratio ?	0.00%	-0.64%	0.64% +19.7% YoY	0.91% +65.9% YoY	0.67% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	15.38% +13.3% YoY +2.6% QoQ	-0.45%	15.83% +1.5% YoY	21.08% -3.4% YoY	17.06% +0.8% YoY	69%
Non-Interest Income / Assets ?	0.19% +142.0% YoY -71.3% QoQ	-0.09%	0.28% +9.3% YoY	0.70% +11.6% YoY	0.32% +4.1% YoY	85%

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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)

Credit Quality Leader

growth

#270 of 664 • Top 40.5% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature

Delinquency Rate: 0.00%

(Tier: 0.89%, National: 0.95%)

better than tier avg

664 of 664 Community banks match · 922 nationally

→ Stable +2 banks QoQ | QoQ rank improving

Concerns (1)

Deposit Outflow

decline

#128 of 506 • Bottom 25.1% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

506 of 506 Community banks match · 656 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 2664 peers in $100M-$1B

Top Strengths (4 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.89%

#1 of 2654 Top 0.1% in $100M-$1B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.64%

#1 of 2664 Top 0.1% in $100M-$1B

413

Non-Interest Income / Assets

revenue_mix

Value: 0.19%

Peer Median: 0.28%

#413 of 2664 Top 15.5% in $100M-$1B

629

Loan-to-Deposit Ratio

liquidity

Value: 64.01%

Peer Median: 76.64%

#629 of 2664 Top 23.6% in $100M-$1B

Top Weaknesses (5 metrics)

2603

Net Interest Margin

profitability

Value: 2.37%

Peer Median: 3.93%

#2603 of 2664 Bottom 2.3% in $100M-$1B

2470

Non-Interest-Bearing Deposit Share

funding

Value: 8.06%

Peer Median: 22.02%

#2470 of 2664 Bottom 7.3% in $100M-$1B

2319

Total Loans

size

Value: $83.87M

Peer Median: $255.72M

#2319 of 2664 Bottom 13.0% in $100M-$1B

2248

Total Deposits

size

Value: $131.03M

Peer Median: $327.97M

#2248 of 2664 Bottom 15.7% in $100M-$1B

2211

Total Assets

size

Value: $158.85M

Peer Median: $386.08M

#2211 of 2664 Bottom 17.0% in $100M-$1B