BlastPoint's Banking Scorecard

Home Bank of California

$100M-$1B Specialty: Commercial CA FDIC cert 26271

San Diego, CA

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

Home Bank of California has 5 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

+ Profitability Leader: Top 28.8% in tier
+ Credit Quality Leader: Top 42.0% in tier
+ Nonperforming Asset Ratio 0.64% below tier average
+ Net Interest Margin 0.58% above tier average
+ Efficiency Ratio 10.45% below tier average

Key Concerns

Areas that may need attention

- Deposit Outflow: Bottom 20.2% in tier
- Capital Constraint: Bottom 61.1% in tier
- Non-Interest-Bearing Deposit Share 16.28% below tier average
- Non-Interest Income / Assets 0.26% 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 ?	$254.9M +0.4% YoY +3.3% QoQ	-$131.2M	$386.1M +0.5% YoY	$4.7B +7.7% YoY	$6.2B +9.1% YoY	38%
Total Loans ?	$233.2M +1.6% YoY +3.4% QoQ	-$22.5M	$255.7M +1.1% YoY	$3.2B +8.4% YoY	$3.2B +10.8% YoY	56%
Total Deposits ?	$193.2M -5.6% YoY -1.3% QoQ	-$134.8M	$328.0M +0.1% YoY	$3.9B +7.0% YoY	$4.8B +8.2% YoY	33%
Return on Assets ?	1.96% +33.7% YoY -12.5% QoQ	+0.69%	1.27% +12.9% YoY	1.80% +29.4% YoY	1.23% +13.4% YoY	Top 13.4% in tier
Net Interest Margin ?	4.51% +11.5% YoY +4.8% QoQ	+0.58%	3.93% +6.0% YoY	3.85% +3.8% YoY	3.89% +5.7% YoY	82%
Efficiency Ratio ?	54.84% -12.4% YoY +18.2% QoQ	-10.45%	65.29% -4.5% YoY	68.78% -8.1% YoY	66.95% -4.1% YoY	74%
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 ?	120.72% +7.6% YoY +4.7% QoQ	+44.09%	76.64% +0.8% YoY	85.13% +2.0% YoY	76.70% +0.9% YoY	Bottom 0.9% in tier
Non-Interest-Bearing Deposit Share ?	5.74% -1.7% YoY +12.4% QoQ	-16.28%	22.02% -1.0% YoY	25.15% -3.9% YoY	22.01% -1.2% YoY	Bottom 4.4% 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 ?	11.98% +0.4% YoY -4.4% QoQ	-3.85%	15.83% +1.5% YoY	21.08% -3.4% YoY	17.06% +0.8% YoY	35%
Non-Interest Income / Assets ?	0.02% -40.0% YoY -85.4% QoQ	-0.26%	0.28% +9.3% YoY	0.70% +11.6% YoY	0.32% +4.1% YoY	Bottom 3.8% 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)

Profitability Leader

growth

#193 of 666 • Top 28.8% in tier

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

Why this signature

Return on Assets: 1.96%

(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

Credit Quality Leader

growth

#280 of 664 • Top 42.0% 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 (2)

Deposit Outflow

decline

#103 of 506 • Bottom 20.2% 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

Capital Constraint

risk

#67 of 108 • Bottom 61.1% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.

Why this signature

Loan-to-Deposit Ratio: 120.72%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

Tier 1 Capital Ratio: 11.98%

(Tier: 15.83%, National: 17.06%)

worse than tier avg

108 of 108 Community banks match · 148 nationally

↑ Growing +19 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 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

359

Return on Assets

profitability

Value: 1.96%

Peer Median: 1.27%

#359 of 2664 Top 13.4% in $100M-$1B

472

Net Interest Margin

profitability

Value: 4.51%

Peer Median: 3.93%

#472 of 2664 Top 17.7% in $100M-$1B

Top Weaknesses (3 metrics)

2642

Loan-to-Deposit Ratio

liquidity

Value: 120.72%

Peer Median: 76.64%

#2642 of 2664 Bottom 0.9% in $100M-$1B

2563

Non-Interest Income / Assets

revenue_mix

Value: 0.02%

Peer Median: 0.28%

#2563 of 2664 Bottom 3.8% in $100M-$1B

2549

Non-Interest-Bearing Deposit Share

funding

Value: 5.74%

Peer Median: 22.02%

#2549 of 2664 Bottom 4.4% in $100M-$1B