BlastPoint's Banking Scorecard

Hatch Bank

$100M-$1B Specialty: Consumer CA FDIC cert 25803

San Marcos, CA

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

Hatch Bank has 5 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

+ Revenue Diversifier: Top 2.0% in tier
+ Profitability Leader: Top 2.5% in tier
+ Net Interest Margin 1.43% above tier average
+ Efficiency Ratio 18.31% below tier average
+ Delinquency Rate 0.64% below tier average

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 0.3% in tier
- Non-Interest-Bearing Deposit Share 21.88% below tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Total Assets ?	$186.8M +39.0% YoY +2.4% QoQ	-$199.3M	$386.1M +0.5% YoY	$4.7B +7.7% YoY	$6.2B +9.1% YoY	23%
Total Loans ?	$117.9M +41.8% YoY +1.4% QoQ	-$137.8M	$255.7M +1.1% YoY	$3.2B +8.4% YoY	$3.2B +10.8% YoY	25%
Total Deposits ?	$57.1M +40.1% YoY +2.0% QoQ	-$270.9M	$328.0M +0.1% YoY	$3.9B +7.0% YoY	$4.8B +8.2% YoY	Bottom 0.3% in tier
Return on Assets ?	4.77% +106.0% YoY +36.4% QoQ	+3.50%	1.27% +12.9% YoY	1.80% +29.4% YoY	1.23% +13.4% YoY	Top 0.5% in tier
Net Interest Margin ?	5.36% +8.8% YoY +10.9% QoQ	+1.43%	3.93% +6.0% YoY	3.85% +3.8% YoY	3.89% +5.7% YoY	Top 3.9% in tier
Efficiency Ratio ?	46.97% -30.8% YoY -20.1% QoQ	-18.31%	65.29% -4.5% YoY	68.78% -8.1% YoY	66.95% -4.1% YoY	Top 11.0% in tier
Delinquency Rate ?	0.25% -32.9% YoY -57.0% QoQ	-0.64%	0.89% +18.8% YoY	1.17% +69.3% YoY	0.95% +18.8% YoY	60%
Loan-to-Deposit Ratio ?	206.61% +1.2% YoY -0.7% QoQ	+129.97%	76.64% +0.8% YoY	85.13% +2.0% YoY	76.70% +0.9% YoY	Bottom 0.1% in tier
Non-Interest-Bearing Deposit Share ?	0.14% +56.3% YoY +93.6% QoQ	-21.88%	22.02% -1.0% YoY	25.15% -3.9% YoY	22.01% -1.2% YoY	Bottom 0.7% in tier
Nonperforming Asset Ratio ?	0.16% -31.5% YoY -57.4% QoQ	-0.48%	0.64% +19.7% YoY	0.91% +65.9% YoY	0.67% +19.3% YoY	64%
Tier 1 Capital Ratio ?	30.76% -13.2% YoY +5.3% QoQ	+14.93%	15.83% +1.5% YoY	21.08% -3.4% YoY	17.06% +0.8% YoY	Top 3.6% in tier
Non-Interest Income / Assets ?	1.12% +23.1% YoY -70.4% QoQ	+0.84%	0.28% +9.3% YoY	0.70% +11.6% YoY	0.32% +4.1% YoY	Top 1.5% 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 (2)

Revenue Diversifier

growth

#14 of 666 • Top 2.0% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 1.12%

(Tier: 0.28%, National: 0.32%)

better than tier avg

Return on Assets: 4.77%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank declining

Profitability Leader

growth

#18 of 666 • Top 2.5% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 4.77%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank declining

Concerns (1)

Liquidity Overhang

risk

#3 of 739 • Bottom 0.3% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature

Tier 1 Capital Ratio: 30.76%

(Tier: 15.83%, National: 17.06%)

better than tier avg

Loan-to-Deposit Ratio: 206.61%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

739 of 739 Community banks match · 939 nationally

→ Stable +13 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 (5 metrics)

Return on Assets

profitability

Value: 4.77%

Peer Median: 1.27%

#13 of 2664 Top 0.5% in $100M-$1B

Non-Interest Income / Assets

revenue_mix

Value: 1.12%

Peer Median: 0.28%

#42 of 2664 Top 1.5% in $100M-$1B

Tier 1 Capital Ratio

capital

Value: 30.76%

Peer Median: 15.83%

#96 of 2664 Top 3.6% in $100M-$1B

104

Net Interest Margin

profitability

Value: 5.36%

Peer Median: 3.93%

#104 of 2664 Top 3.9% in $100M-$1B

295

Efficiency Ratio

profitability

Value: 46.97%

Peer Median: 65.29%

#295 of 2664 Top 11.0% in $100M-$1B

Top Weaknesses (4 metrics)

2663

Loan-to-Deposit Ratio

liquidity

Value: 206.61%

Peer Median: 76.64%

#2663 of 2664 Bottom 0.1% in $100M-$1B

2656

Total Deposits

size

Value: $57.07M

Peer Median: $327.97M

#2656 of 2664 Bottom 0.3% in $100M-$1B

2647

Non-Interest-Bearing Deposit Share

funding

Value: 0.14%

Peer Median: 22.02%

#2647 of 2664 Bottom 0.7% in $100M-$1B

2046

Total Assets

size

Value: $186.75M

Peer Median: $386.08M

#2046 of 2664 Bottom 23.2% in $100M-$1B