BlastPoint's Banking Scorecard
Hatch Bank
$100M-$1B
Specialty: Consumer
CA
FDIC cert 25803
San Marcos, CA
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 +1.4% year over year ($41.3M on the books).
- Delinquency rate 0.10%.
- Return on assets 0.30%.
- Efficiency ratio 151.58% vs a 64.48% peer average.
- Loan-to-deposit ratio 266.15% 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) →
Hatch Bank has 2 strengths but faces 5 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
- + Net Interest Margin 1.33% above tier average
- + Delinquency Rate 0.82% below tier average
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 0.4% in tier
- - Efficiency Drag: Bottom 8.3% in tier
- - Return on Assets 1.02% below tier average
- - Non-Interest-Bearing Deposit Share 21.94% below tier average
- - Non-Interest Income / Assets 1.38% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$177.5M
+20.2% YoY
-5.0% QoQ
|
-$209.1M |
$386.6M
+1.2% YoY
|
$4.9B
+8.2% YoY
|
$6.3B
+7.7% YoY
|
21% |
| Total Loans ? |
$109.9M
+15.6% YoY
-6.8% QoQ
|
-$148.4M |
$258.3M
+1.7% YoY
|
$3.3B
+8.0% YoY
|
$3.2B
+9.4% YoY
|
22% |
| Total Deposits ? |
$41.3M
+1.4% YoY
-27.6% QoQ
|
-$285.4M |
$326.7M
+0.7% YoY
|
$4.0B
+7.9% YoY
|
$4.9B
+7.3% YoY
|
Bottom 0.3% in tier |
| Return on Assets ? |
0.30%
-90.0% YoY
-93.7% QoQ
|
-1.02% |
1.32%
+10.8% YoY
|
1.69%
+23.4% YoY
|
1.30%
+12.1% YoY
|
Bottom 7.5% in tier |
| Net Interest Margin ? |
5.31%
-2.3% YoY
-0.9% QoQ
|
+1.33% |
3.99%
+5.0% YoY
|
3.84%
+2.9% YoY
|
3.95%
+4.9% YoY
|
Top 4.4% in tier |
| Efficiency Ratio ? |
151.58%
+143.2% YoY
+222.7% QoQ
|
+87.10% |
64.48%
-3.2% YoY
|
64.67%
-10.5% YoY
|
70.05%
+2.5% YoY
|
Bottom 0.5% in tier |
| Delinquency Rate ? |
0.10%
-38.1% YoY
-60.9% QoQ
|
-0.82% |
0.92%
+15.7% YoY
|
1.15%
+46.6% YoY
|
0.98%
+16.3% YoY
|
75% |
| Loan-to-Deposit Ratio ? |
266.15%
+14.0% YoY
+28.8% QoQ
|
+188.19% |
77.95%
+1.0% YoY
|
86.69%
+1.8% YoY
|
79.03%
+2.3% YoY
|
Bottom 0.1% in tier |
| Non-Interest-Bearing Deposit Share ? |
0.09%
-3.9% YoY
-35.2% QoQ
|
-21.94% |
22.03%
-0.6% YoY
|
25.07%
-3.4% YoY
|
21.98%
-0.6% YoY
|
Bottom 0.7% in tier |
| Nonperforming Asset Ratio ? |
0.06%
-40.5% YoY
-61.6% QoQ
|
-0.61% |
0.67%
+16.4% YoY
|
0.91%
+41.3% YoY
|
0.69%
+15.8% YoY
|
77% |
| Tier 1 Capital Ratio ? |
31.63%
-3.8% YoY
+2.8% QoQ
|
+15.72% |
15.91%
+1.4% YoY
|
20.69%
-2.9% YoY
|
17.09%
+0.8% YoY
|
Top 3.6% in tier |
| Non-Interest Income / Assets ? |
-0.81%
-146.1% YoY
-172.0% QoQ
|
-1.38% |
0.57%
+7.6% YoY
|
1.26%
+3.5% YoY
|
0.66%
+5.2% YoY
|
Bottom 0.1% in tier |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 |
0.1%
0.0pp YoY 0.0pp QoQ |
-22.1pp | 22.1% | 25.5% | 22.2% | 0% |
| Brokered Deposits |
99.9%
+0.3pp YoY +0.1pp QoQ |
+92.1pp | 7.9% | 11.0% | 8.5% | 100% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
7.7%
-1.2pp YoY +0.6pp QoQ |
-3.9pp | 11.6% | 11.8% | 12.5% | 37% |
| CRE | n/a | n/a | 39.5% | 67.5% | 41.4% | n/a |
| 1-4 Family |
0.6%
-0.4pp YoY 0.0pp QoQ |
-32.0pp | 32.6% | 16.5% | 31.3% | 1% |
| Consumer |
91.8%
-0.9pp YoY -2.5pp QoQ |
+87.7pp | 4.1% | 5.3% | 5.0% | 100% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
31.6%
-1.2pp YoY +0.9pp QoQ |
+12.8pp | 18.8% | 23.7% | 19.7% | 94% |
| Leverage Ratio |
21.5%
-3.1pp YoY -1.2pp QoQ |
+9.3pp | 12.2% | 14.5% | 12.6% | 97% |
| Total Capital Ratio |
31.7%
-2.4pp YoY -0.3pp QoQ |
+11.8pp | 19.9% | 25.1% | 20.8% | 94% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
28
+5 (+21.7%) YoY +2 (+7.7%) QoQ |
-31 | 58 | 337 | 482 | 24% |
| Assets per Employee ($) |
$6.3M
-1.3% YoY -11.8% QoQ |
-$1.2M | $7.5M | $11.3M | $8.8M | 39% |
| Branch Count |
1
0 YoY 0 QoQ |
-4 | 4 | 15 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.1%
-0.1pp YoY -0.2pp QoQ |
-0.2pp | 0.3% | 0.3% | 0.4% | 50% |
| Nonaccrual | n/a | n/a | 0.9% | 1.4% | 1.0% | n/a |
| Allowance Coverage |
1.14x
-93.1% YoY -85.5% QoQ |
-23.01x | 24.15x | 17.11x | 20.23x | 30% |
| Net Charge-off Rate (YTD) |
0.6%
-0.6pp YoY -0.5pp QoQ |
+0.5pp | 0.1% | 0.3% | 0.2% | 95% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
1.5%
-11.4pp YoY -21.7pp QoQ |
-10.7pp | 12.2% | 8.2% | 11.6% | 5% |
| Cost of Funds (YTD) |
2.0%
-0.1pp YoY +0.1pp QoQ |
+0.3pp | 1.7% | 1.9% | 1.7% | 73% |
| Net Income ($, YTD) |
$275,000
-86.4% YoY — QoQ |
-$2.3M | $2.6M | $28.5M | $40.4M | 6% |
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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 (0)
No matched strength signatures this quarter
Concerns (2)
Liquidity Overhang
risk
#4 of 742 • Bottom 0.4% 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:
31.63%
(Tier: 15.91%, National: 17.09%)
Loan-to-Deposit Ratio:
266.15%
(Tier: 77.95%, National: 79.03%)
742 of 742 Community banks match
·
940 nationally
→ Stable
+7 banks QoQ
Efficiency Drag
risk
#31 of 361 • Bottom 8.3% in tier
Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Why this signature
Efficiency Ratio:
151.58%
(Tier: 64.48%, National: 70.05%)
361 of 361 Community banks match
·
426 nationally
↓ Shrinking
-64 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).
Top Strengths (3 metrics)
95
Tier 1 Capital Ratio
capital
Value:
31.63%
Peer Median: 15.91%
#95 of 2643
Top 3.6% in $100M-$1B
117
Net Interest Margin
profitability
Value:
5.31%
Peer Median: 3.99%
#117 of 2643
Top 4.4% in $100M-$1B
606
Nonperforming Asset Ratio
credit_quality
Value:
0.06%
Peer Median: 0.67%
#606 of 2643
Top 22.9% in $100M-$1B
Top Weaknesses (8 metrics)
2642
Non-Interest Income / Assets
revenue_mix
Value:
-0.81%
Peer Median: 0.57%
#2642 of 2643
Bottom 0.1% in $100M-$1B
2641
Loan-to-Deposit Ratio
liquidity
Value:
266.15%
Peer Median: 77.95%
#2641 of 2643
Bottom 0.1% in $100M-$1B
2636
Total Deposits
size
Value:
$41.30M
Peer Median: $326.73M
#2636 of 2643
Bottom 0.3% in $100M-$1B
2631
Efficiency Ratio
profitability
Value:
151.58%
Peer Median: 64.48%
#2631 of 2643
Bottom 0.5% in $100M-$1B
2626
Non-Interest-Bearing Deposit Share
funding
Value:
0.09%
Peer Median: 22.03%
#2626 of 2643
Bottom 0.7% in $100M-$1B
2446
Return on Assets
profitability
Value:
0.30%
Peer Median: 1.32%
#2446 of 2643
Bottom 7.5% in $100M-$1B
2094
Total Assets
size
Value:
$177.46M
Peer Median: $386.57M
#2094 of 2643
Bottom 20.8% in $100M-$1B
2056
Total Loans
size
Value:
$109.93M
Peer Median: $258.35M
#2056 of 2643
Bottom 22.2% in $100M-$1B