BlastPoint's Banking Scorecard

C3bank, National Association

$100M-$1B Specialty: Commercial CA FDIC cert 25249

Encinitas, CA

5 branches across CA · TN

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

C3bank, National Association has 4 strengths but faces 2 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 40.8% in tier
+ Non-Interest-Bearing Deposit Share 17.60% above tier average
+ Nonperforming Asset Ratio 0.64% below tier average
+ Efficiency Ratio 13.49% below tier average

Key Concerns

Areas that may need attention

- ROA 0.07% below tier average
- Net Interest Margin 0.20% below tier average

Get updates when C3bank, 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 ?	$882.7M -5.0% YoY -11.4% QoQ	+$496.6M	$386.1M +0.5% YoY	$4.7B +7.7% YoY	$6.2B +9.1% YoY	Top 4.6% in tier
Total Loans ?	$597.2M +10.3% YoY -0.4% QoQ	+$341.5M	$255.7M +1.1% YoY	$3.2B +8.4% YoY	$3.2B +10.8% YoY	Top 6.2% in tier
Total Deposits ?	$771.0M -6.5% YoY -13.0% QoQ	+$443.0M	$328.0M +0.1% YoY	$3.9B +7.0% YoY	$4.8B +8.2% YoY	Top 3.7% in tier
Return on Assets ?	1.20% +7.2% YoY +1.2% QoQ	-0.07%	1.27% +12.9% YoY	1.80% +29.4% YoY	1.23% +13.4% YoY	50%
Net Interest Margin ?	3.73% +3.6% YoY +3.1% QoQ	-0.20%	3.93% +6.0% YoY	3.85% +3.8% YoY	3.89% +5.7% YoY	43%
Efficiency Ratio ?	51.80% -5.9% YoY -2.5% QoQ	-13.49%	65.29% -4.5% YoY	68.78% -8.1% YoY	66.95% -4.1% YoY	81%
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 ?	77.46% +17.9% YoY +14.5% QoQ	+0.82%	76.64% +0.8% YoY	85.13% +2.0% YoY	76.70% +0.9% YoY	52%
Non-Interest-Bearing Deposit Share ?	39.62% +18.3% YoY -22.0% QoQ	+17.60%	22.02% -1.0% YoY	25.15% -3.9% YoY	22.01% -1.2% YoY	Top 5.1% 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 ?	15.80% -5.6% YoY +0.1% QoQ	-0.03%	15.83% +1.5% YoY	21.08% -3.4% YoY	17.06% +0.8% YoY	71%
Non-Interest Income / Assets ?	0.03% +45.0% YoY -69.0% QoQ	-0.25%	0.28% +9.3% YoY	0.70% +11.6% YoY	0.32% +4.1% YoY	Bottom 10.0% in tier

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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

#272 of 664 • Top 40.8% 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 (0)

No matched concern signatures this quarter

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 (7 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

Total Deposits

size

Value: $771.00M

Peer Median: $327.97M

#99 of 2664 Top 3.7% in $100M-$1B

124

Total Assets

size

Value: $882.65M

Peer Median: $386.08M

#124 of 2664 Top 4.6% in $100M-$1B

136

Non-Interest-Bearing Deposit Share

funding

Value: 39.62%

Peer Median: 22.02%

#136 of 2664 Top 5.1% in $100M-$1B

167

Total Loans

size

Value: $597.18M

Peer Median: $255.72M

#167 of 2664 Top 6.2% in $100M-$1B

513

Efficiency Ratio

profitability

Value: 51.80%

Peer Median: 65.29%

#513 of 2664 Top 19.2% in $100M-$1B

Top Weaknesses (1 metrics)

2398

Non-Interest Income / Assets

revenue_mix

Value: 0.03%

Peer Median: 0.28%

#2398 of 2664 Bottom 10.0% in $100M-$1B