BlastPoint's Banking Scorecard

C3bank, National Association

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

Encinitas, CA

5 branches across CA · TN

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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 53 in CA.
Deposits -1.5% year over year ($836.4M on the books).
Delinquency rate 0.00%.
Return on assets 1.14%.
Efficiency ratio 54.22% vs a 64.48% peer average.
Loan-to-deposit ratio 70.99% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 53 in CA

View $100M-$1B leaderboard (CA) →

C3bank, National Association has 4 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 37.6% in tier
+ Non-Interest-Bearing Deposit Share 23.37% above tier average
+ Nonperforming Asset Ratio 0.67% below tier average
+ Efficiency Ratio 10.26% below tier average

Key Concerns

Areas that may need attention

- Flatlined Growth: Bottom 39.5% in tier
- Non-Interest Income / Assets 0.51% below tier average
- ROA 0.18% below tier average
- Net Interest Margin 0.30% below tier average

Get updates when C3bank, National Association releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Total Assets ?	$949.3M -0.3% YoY +7.5% QoQ	+$562.7M	$386.6M +1.2% YoY	$4.9B +8.2% YoY	$6.3B +7.7% YoY	Top 1.7% in tier
Total Loans ?	$593.7M +4.8% YoY -0.6% QoQ	+$335.4M	$258.3M +1.7% YoY	$3.3B +8.0% YoY	$3.2B +9.4% YoY	Top 6.4% in tier
Total Deposits ?	$836.4M -1.5% YoY +8.5% QoQ	+$509.6M	$326.7M +0.7% YoY	$4.0B +7.9% YoY	$4.9B +7.3% YoY	Top 0.9% in tier
Return on Assets ?	1.14% +0.5% YoY -4.9% QoQ	-0.18%	1.32% +10.8% YoY	1.69% +23.4% YoY	1.30% +12.1% YoY	44%
Net Interest Margin ?	3.69% +3.2% YoY -1.2% QoQ	-0.30%	3.99% +5.0% YoY	3.84% +2.9% YoY	3.95% +4.9% YoY	36%
Efficiency Ratio ?	54.22% -0.4% YoY +4.7% QoQ	-10.26%	64.48% -3.2% YoY	64.67% -10.5% YoY	70.05% +2.5% YoY	74%
Delinquency Rate ?	0.00%	-0.92%	0.92% +15.7% YoY	1.15% +46.6% YoY	0.98% +16.3% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	70.99% +6.3% YoY -8.3% QoQ	-6.96%	77.95% +1.0% YoY	86.69% +1.8% YoY	79.03% +2.3% YoY	68%
Non-Interest-Bearing Deposit Share ?	45.40% +13.2% YoY +14.6% QoQ	+23.37%	22.03% -0.6% YoY	25.07% -3.4% YoY	21.98% -0.6% YoY	Top 2.8% in tier
Nonperforming Asset Ratio ?	0.00%	-0.67%	0.67% +16.4% YoY	0.91% +41.3% YoY	0.69% +15.8% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	16.57% +6.0% YoY +4.9% QoQ	+0.66%	15.91% +1.4% YoY	20.69% -2.9% YoY	17.09% +0.8% YoY	75%
Non-Interest Income / Assets ?	0.06% +25.9% YoY +74.1% QoQ	-0.51%	0.57% +7.6% YoY	1.26% +3.5% YoY	0.66% +5.2% YoY	Bottom 7.2% in tier

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	45.4% +5.3pp YoY +5.8pp QoQ	+23.3pp	22.1%	25.5%	22.2%	97%
Brokered Deposits	21.8% +1.6pp YoY +10.7pp QoQ	+13.9pp	7.9%	11.0%	8.5%	92%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
C&I	2.5% +0.4pp YoY +0.1pp QoQ	-9.0pp	11.6%	11.8%	12.5%	8%
CRE	68.5% -1.1pp YoY -1.0pp QoQ	+29.0pp	39.5%	67.5%	41.4%	92%
1-4 Family	30.3% +0.7pp YoY +0.9pp QoQ	-2.3pp	32.6%	16.5%	31.3%	52%
Consumer	0.0% 0.0pp YoY 0.0pp QoQ	-4.1pp	4.1%	5.3%	5.0%	0%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
CET1 Ratio	16.6% +0.9pp YoY +0.8pp QoQ	-2.3pp	18.8%	23.7%	19.7%	61%
Leverage Ratio	10.6% +1.1pp YoY +0.3pp QoQ	-1.6pp	12.2%	14.5%	12.6%	43%
Total Capital Ratio	17.8% +0.9pp YoY +0.8pp QoQ	-2.1pp	19.9%	25.1%	20.8%	62%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Full-Time Employees	63 +6 (+10.5%) YoY +2 (+3.3%) QoQ	+4	58	337	482	66%
Assets per Employee ($)	$15.1M -9.8% YoY +4.1% QoQ	+$7.5M	$7.5M	$11.3M	$8.8M	97%
Branch Count	5 0 YoY 0 QoQ	0	4	15	18	55%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.3%	0.4%	n/a
Nonaccrual	n/a	n/a	0.9%	1.4%	1.0%	n/a
Allowance Coverage	n/a	n/a	24.15x	17.11x	20.23x	n/a
Net Charge-off Rate (YTD)	n/a	n/a	0.1%	0.3%	0.2%	n/a

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
ROE	11.7% -0.7pp YoY -0.7pp QoQ	-0.5pp	12.2%	8.2%	11.6%	48%
Cost of Funds (YTD)	1.4% -0.5pp YoY 0.0pp QoQ	-0.4pp	1.7%	1.9%	1.7%	27%
Net Income ($, YTD)	$5.4M +0.4% YoY — QoQ	+$2.8M	$2.6M	$28.5M	$40.4M	89%

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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

#249 of 659 • Top 37.6% 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: 0.92%, National: 0.98%)

better than tier avg

659 of 659 Community banks match · 920 nationally

→ Stable +1 banks QoQ | QoQ rank improving

Concerns (1)

Flatlined Growth

risk

#210 of 529 • Bottom 39.5% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature

Return on Assets: 1.14%

(Tier: 1.32%, National: 1.30%)

worse than tier avg

529 of 529 Community banks match · 719 nationally

→ Stable +34 banks QoQ

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 2643 peers in $100M-$1B

Top Strengths (7 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.92%

#1 of 2633 Top 0.1% in $100M-$1B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.67%

#1 of 2643 Top 0.1% in $100M-$1B

Total Deposits

size

Value: $836.36M

Peer Median: $326.73M

#26 of 2643 Top 0.9% in $100M-$1B

Total Assets

size

Value: $949.27M

Peer Median: $386.57M

#47 of 2643 Top 1.7% in $100M-$1B

Non-Interest-Bearing Deposit Share

funding

Value: 45.40%

Peer Median: 22.03%

#75 of 2643 Top 2.8% in $100M-$1B

170

Total Loans

size

Value: $593.74M

Peer Median: $258.35M

#170 of 2643 Top 6.4% in $100M-$1B

658

Tier 1 Capital Ratio

capital

Value: 16.57%

Peer Median: 15.91%

#658 of 2643 Top 24.9% in $100M-$1B

Top Weaknesses (1 metrics)

2453

Non-Interest Income / Assets

revenue_mix

Value: 0.06%

Peer Median: 0.57%

#2453 of 2643 Bottom 7.2% in $100M-$1B