BlastPoint's Banking Scorecard

Malaga Bank F.S.B.

$1B-$10B Specialty: Commercial CA FDIC cert 32282

Designations: ✓ Community bank

Palos Verdes Peninsula, 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 885 banks in the $1B-$10B peer group nationwide — 1 of 49 in CA.
Deposits +1.6% year over year ($942.1M on the books).
Delinquency rate 0.00%.
Return on assets 1.69%.
Efficiency ratio 29.04% vs a 59.73% peer average.
Loan-to-deposit ratio 131.44% vs a 85.04% peer average.

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

885 banks in the $1B-$10B peer group nationally 49 in CA

View $1B-$10B leaderboard (CA) →

Malaga Bank F.S.B. has 4 strengths but faces 3 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

+ Efficiency Ratio 30.69% below tier average
+ Delinquency Rate 0.87% below tier average
+ Nonperforming Asset Ratio 0.67% below tier average
+ ROA 0.30% above tier average

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 2.3% in tier
- Non-Interest Income / Assets 0.49% below tier average
- Net Interest Margin 0.48% below tier average

Get updates when Malaga Bank F.S.B. releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Total Assets ?	$1.4B +3.7% YoY +0.5% QoQ	-$1.3B	$2.8B -0.6% YoY	$4.9B +8.2% YoY	$6.3B +7.7% YoY	32%
Total Loans ?	$1.2B +2.7% YoY +0.6% QoQ	-$725.0M	$2.0B -0.3% YoY	$3.3B +8.0% YoY	$3.2B +9.4% YoY	45%
Total Deposits ?	$942.1M +1.6% YoY +0.2% QoQ	-$1.4B	$2.3B -0.5% YoY	$4.0B +7.9% YoY	$4.9B +7.3% YoY	Bottom 11.8% in tier
Return on Assets ?	1.69% +3.7% YoY -3.1% QoQ	+0.30%	1.39% +17.0% YoY	1.69% +23.4% YoY	1.30% +12.1% YoY	78%
Net Interest Margin ?	3.39% +2.1% YoY -1.4% QoQ	-0.48%	3.87% +6.2% YoY	3.84% +2.9% YoY	3.95% +4.9% YoY	30%
Efficiency Ratio ?	29.04% -4.7% YoY +4.6% QoQ	-30.69%	59.73% -12.6% YoY	64.67% -10.5% YoY	70.05% +2.5% YoY	Top 1.6% in tier
Delinquency Rate ?	0.00%	-0.87%	0.87% +11.7% YoY	1.15% +46.6% YoY	0.98% +16.3% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	131.44% +1.1% YoY +0.4% QoQ	+46.40%	85.04% -0.1% YoY	86.69% +1.8% YoY	79.03% +2.3% YoY	Bottom 0.9% in tier
Non-Interest-Bearing Deposit Share ?	19.46% +7.3% YoY +0.6% QoQ	-1.81%	21.27% -1.5% YoY	25.07% -3.4% YoY	21.98% -0.6% YoY	48%
Nonperforming Asset Ratio ?	0.00%	-0.67%	0.67% +11.7% YoY	0.91% +41.3% YoY	0.69% +15.8% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	27.47% -3.5% YoY -0.3% QoQ	+12.63%	14.84% -0.4% YoY	20.69% -2.9% YoY	17.09% +0.8% YoY	Top 3.2% in tier
Non-Interest Income / Assets ?	0.03% -6.2% YoY +129.6% QoQ	-0.49%	0.53% +2.5% YoY	1.26% +3.5% YoY	0.66% +5.2% YoY	Bottom 2.1% 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	19.5% +1.3pp YoY +0.1pp QoQ	-1.9pp	21.4%	25.5%	22.2%	48%
Brokered Deposits	17.6% +0.8pp YoY +0.8pp QoQ	+8.1pp	9.5%	11.0%	8.5%	86%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
C&I	0.0% 0.0pp YoY 0.0pp QoQ	-14.0pp	14.0%	11.8%	12.5%	0%
CRE	n/a	n/a	50.0%	67.5%	41.4%	n/a
1-4 Family	6.4% -0.4pp YoY -0.2pp QoQ	-20.1pp	26.4%	16.5%	31.3%	9%
Consumer	0.0% 0.0pp YoY 0.0pp QoQ	-4.7pp	4.7%	5.3%	5.0%	1%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
CET1 Ratio	27.5% -1.0pp YoY -0.1pp QoQ	+11.9pp	15.6%	23.7%	19.7%	96%
Leverage Ratio	16.8% +0.2pp YoY +0.2pp QoQ	+5.4pp	11.3%	14.5%	12.6%	96%
Total Capital Ratio	27.9% -1.0pp YoY -0.1pp QoQ	+11.2pp	16.7%	25.1%	20.8%	96%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Full-Time Employees	75 +5 (+7.1%) YoY +1 (+1.4%) QoQ	-239	313	337	482	3%
Assets per Employee ($)	$19.3M -3.2% YoY -0.9% QoQ	+$8.8M	$10.5M	$11.3M	$8.8M	94%
Branch Count	5 0 YoY 0 QoQ	-15	20	15	18	12%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.2%	0.3%	0.4%	n/a
Nonaccrual	n/a	n/a	0.8%	1.4%	1.0%	n/a
Allowance Coverage	n/a	n/a	18.71x	17.11x	20.23x	n/a
Net Charge-off Rate (YTD)	n/a	n/a	0.3%	0.3%	0.2%	n/a

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
ROE	10.2% +0.1pp YoY -0.4pp QoQ	-2.4pp	12.6%	8.2%	11.6%	35%
Cost of Funds (YTD)	1.7% +0.1pp YoY 0.0pp QoQ	-0.2pp	1.9%	1.9%	1.7%	36%
Net Income ($, YTD)	$12.2M +7.0% YoY — QoQ	-$7.1M	$19.2M	$28.5M	$40.4M	49%

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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 (1)

Liquidity Overhang

risk

#5 of 172 • Bottom 2.3% 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: 27.47%

(Tier: 14.84%, National: 17.09%)

better than tier avg

Loan-to-Deposit Ratio: 131.44%

(Tier: 85.04%, National: 79.03%)

worse than tier avg

172 of 172 Mid-Market banks match · 940 nationally

→ Stable +7 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 885 peers in $1B-$10B

Top Strengths (5 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.87%

#1 of 882 Top 0.1% in $1B-$10B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.67%

#1 of 885 Top 0.1% in $1B-$10B

Efficiency Ratio

profitability

Value: 29.04%

Peer Median: 59.73%

#15 of 885 Top 1.6% in $1B-$10B

Tier 1 Capital Ratio

capital

Value: 27.47%

Peer Median: 14.84%

#29 of 885 Top 3.2% in $1B-$10B

193

Return on Assets

profitability

Value: 1.69%

Peer Median: 1.39%

#193 of 885 Top 21.7% in $1B-$10B

Top Weaknesses (3 metrics)

878

Loan-to-Deposit Ratio

liquidity

Value: 131.44%

Peer Median: 85.04%

#878 of 885 Bottom 0.9% in $1B-$10B

867

Non-Interest Income / Assets

revenue_mix

Value: 0.03%

Peer Median: 0.53%

#867 of 885 Bottom 2.1% in $1B-$10B

782

Total Deposits

size

Value: $942.08M

Peer Median: $2.32B

#782 of 885 Bottom 11.8% in $1B-$10B