BlastPoint's Banking Scorecard

Universal Bank

$100M-$1B Specialty: Commercial CA FDIC cert 30722

Designations: ✓ Minority Depository Institution

West Covina, CA

5 branches across 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 +3.4% year over year ($275.1M on the books).
Delinquency rate 3.78%.
Return on assets 0.36%.
Efficiency ratio 83.38% vs a 64.48% peer average.
Loan-to-deposit ratio 94.06% 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) →

Universal Bank faces 8 concerns requiring attention

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

No key strengths identified

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 2.0% in tier
- Liquidity Overhang: Bottom 27.6% in tier
- Efficiency Drag: Bottom 39.9% in tier
- NIB Deposit Bleed: Bottom 65.4% in tier
- Return on Assets 0.97% below tier average
- Net Interest Margin 0.99% below tier average
- Delinquency Rate 2.86% above tier average
- Nonperforming Asset Ratio 1.85% above tier average

Get updates when Universal Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Total Assets ?	$388.0M +7.5% YoY +3.9% QoQ	+$1.4M	$386.6M +1.2% YoY	$4.9B +8.2% YoY	$6.3B +7.7% YoY	60%
Total Loans ?	$258.8M -6.7% YoY +1.9% QoQ	+$412K	$258.3M +1.7% YoY	$3.3B +8.0% YoY	$3.2B +9.4% YoY	60%
Total Deposits ?	$275.1M +3.4% YoY -1.2% QoQ	-$51.6M	$326.7M +0.7% YoY	$4.0B +7.9% YoY	$4.9B +7.3% YoY	50%
Return on Assets ?	0.36% +39.8% YoY -6.4% QoQ	-0.97%	1.32% +10.8% YoY	1.69% +23.4% YoY	1.30% +12.1% YoY	Bottom 8.7% in tier
Net Interest Margin ?	3.00% +0.0% YoY +0.7% QoQ	-0.99%	3.99% +5.0% YoY	3.84% +2.9% YoY	3.95% +4.9% YoY	Bottom 10.0% in tier
Efficiency Ratio ?	83.38% -13.2% YoY +1.1% QoQ	+18.90%	64.48% -3.2% YoY	64.67% -10.5% YoY	70.05% +2.5% YoY	Bottom 10.5% in tier
Delinquency Rate ?	3.78% +3.9% YoY +1.2% QoQ	+2.86%	0.92% +15.7% YoY	1.15% +46.6% YoY	0.98% +16.3% YoY	Bottom 3.9% in tier
Loan-to-Deposit Ratio ?	94.06% -9.8% YoY +3.2% QoQ	+16.11%	77.95% +1.0% YoY	86.69% +1.8% YoY	79.03% +2.3% YoY	18%
Non-Interest-Bearing Deposit Share ?	10.26% -16.3% YoY +2.1% QoQ	-11.77%	22.03% -0.6% YoY	25.07% -3.4% YoY	21.98% -0.6% YoY	Bottom 11.1% in tier
Nonperforming Asset Ratio ?	2.52% -9.8% YoY -0.7% QoQ	+1.85%	0.67% +16.4% YoY	0.91% +41.3% YoY	0.69% +15.8% YoY	Bottom 4.8% in tier
Tier 1 Capital Ratio ?	17.80% -2.7% YoY -2.3% QoQ	+1.89%	15.91% +1.4% YoY	20.69% -2.9% YoY	17.09% +0.8% YoY	80%
Non-Interest Income / Assets ?	0.10% +1.4% YoY +99.2% QoQ	-0.47%	0.57% +7.6% YoY	1.26% +3.5% YoY	0.66% +5.2% YoY	18%

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	10.3% -2.0pp YoY +0.2pp QoQ	-11.9pp	22.1%	25.5%	22.2%	11%
Brokered Deposits	17.2% +2.5pp YoY -3.8pp QoQ	+9.4pp	7.9%	11.0%	8.5%	88%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
C&I	1.0% -0.4pp YoY -0.1pp QoQ	-10.5pp	11.6%	11.8%	12.5%	4%
CRE	n/a	n/a	39.5%	67.5%	41.4%	n/a
1-4 Family	3.5% +0.7pp YoY -0.1pp QoQ	-29.2pp	32.6%	16.5%	31.3%	3%
Consumer	n/a	n/a	4.1%	5.3%	5.0%	n/a

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	18.8%	23.7%	19.7%	n/a
Leverage Ratio	17.8% -0.5pp YoY -0.4pp QoQ	+5.6pp	12.2%	14.5%	12.6%	94%
Total Capital Ratio	n/a	n/a	19.9%	25.1%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Full-Time Employees	47 -6 (-11.3%) YoY -4 (-7.8%) QoQ	-12	58	337	482	49%
Assets per Employee ($)	$8.3M +21.2% YoY +12.8% QoQ	+$737K	$7.5M	$11.3M	$8.8M	71%
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	0.2% -2.8pp YoY 0.0pp QoQ	-0.1pp	0.3%	0.3%	0.4%	62%
Nonaccrual	3.6% +2.9pp YoY 0.0pp QoQ	+2.7pp	0.9%	1.4%	1.0%	96%
Allowance Coverage	0.29x -5.2% YoY -0.9% QoQ	-23.86x	24.15x	17.11x	20.23x	3%
Net Charge-off Rate (YTD)	-0.0% 0.0pp YoY 0.0pp QoQ	-0.2pp	0.1%	0.3%	0.2%	12%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
ROE	2.0% +0.6pp YoY -0.1pp QoQ	-10.2pp	12.2%	8.2%	11.6%	6%
Cost of Funds (YTD)	2.3% -0.2pp YoY 0.0pp QoQ	+0.6pp	1.7%	1.9%	1.7%	85%
Net Income ($, YTD)	$672,000 +46.1% YoY — QoQ	-$1.9M	$2.6M	$28.5M	$40.4M	15%

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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 (4)

Liquidity Strain

risk

#15 of 691 • Bottom 2.0% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 94.06%

(Tier: 77.95%, National: 79.03%)

worse than tier avg

691 of 691 Community banks match · 1092 nationally

→ Stable +81 banks QoQ

Liquidity Overhang

risk

#206 of 742 • Bottom 27.6% 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: 17.80%

(Tier: 15.91%, National: 17.09%)

better than tier avg

Loan-to-Deposit Ratio: 94.06%

(Tier: 77.95%, National: 79.03%)

worse than tier avg

742 of 742 Community banks match · 940 nationally

→ Stable +7 banks QoQ | QoQ rank declining

Efficiency Drag

risk

#145 of 361 • Bottom 39.9% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature

Efficiency Ratio: 83.38%

(Tier: 64.48%, National: 70.05%)

worse than tier avg

361 of 361 Community banks match · 426 nationally

↓ Shrinking -64 banks QoQ | QoQ rank improving

NIB Deposit Bleed

decline

#107 of 162 • Bottom 65.4% in tier

Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.

Why this signature

Noninterest-Bearing Deposit Share: 10.26%

(Tier: 22.03%, National: 21.98%)

worse than tier avg

162 of 162 Community banks match · 211 nationally

↓ Shrinking -26 banks QoQ | QoQ rank declining

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 (1 metrics)

521

Tier 1 Capital Ratio

capital

Value: 17.80%

Peer Median: 15.91%

#521 of 2643 Top 19.7% in $100M-$1B

Top Weaknesses (8 metrics)

2530

Delinquency Rate

credit_quality

Value: 3.78%

Peer Median: 0.92%

#2530 of 2633 Bottom 3.9% in $100M-$1B

2518

Nonperforming Asset Ratio

credit_quality

Value: 2.52%

Peer Median: 0.67%

#2518 of 2643 Bottom 4.8% in $100M-$1B

2415

Return on Assets

profitability

Value: 0.36%

Peer Median: 1.32%

#2415 of 2643 Bottom 8.7% in $100M-$1B

2380

Net Interest Margin

profitability

Value: 3.00%

Peer Median: 3.99%

#2380 of 2643 Bottom 10.0% in $100M-$1B

2366

Efficiency Ratio

profitability

Value: 83.38%

Peer Median: 64.48%

#2366 of 2643 Bottom 10.5% in $100M-$1B

2350

Non-Interest-Bearing Deposit Share

funding

Value: 10.26%

Peer Median: 22.03%

#2350 of 2643 Bottom 11.1% in $100M-$1B

2169

Loan-to-Deposit Ratio

liquidity

Value: 94.06%

Peer Median: 77.95%

#2169 of 2643 Bottom 18.0% in $100M-$1B

2162

Non-Interest Income / Assets

revenue_mix

Value: 0.10%

Peer Median: 0.57%

#2162 of 2643 Bottom 18.2% in $100M-$1B