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

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

Malaga Bank F.S.B. has 4 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

+ Efficiency Ratio 33.30% below tier average
+ Delinquency Rate 0.89% below tier average
+ Nonperforming Asset Ratio 0.67% below tier average
+ ROA 0.37% above tier average

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 2.3% in tier
- Liquidity Strain: Bottom 48.2% in tier
- Non-Interest Income / Assets 0.24% below tier average
- Net Interest Margin 0.38% below tier average

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

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Total Assets ?	$1.4B +4.4% YoY +0.5% QoQ	-$1.4B	$2.8B -0.1% YoY	$4.7B +7.7% YoY	$6.2B +9.1% YoY	31%
Total Loans ?	$1.2B +0.7% YoY -0.5% QoQ	-$733.9M	$2.0B +0.6% YoY	$3.2B +8.4% YoY	$3.2B +10.8% YoY	44%
Total Deposits ?	$940.5M -0.1% YoY +0.2% QoQ	-$1.4B	$2.3B -0.3% YoY	$3.9B +7.0% YoY	$4.8B +8.2% YoY	Bottom 10.5% in tier
Return on Assets ?	1.74% +8.4% YoY +9.7% QoQ	+0.37%	1.37% +19.6% YoY	1.80% +29.4% YoY	1.23% +13.4% YoY	82%
Net Interest Margin ?	3.43% +3.1% YoY +4.3% QoQ	-0.38%	3.82% +6.9% YoY	3.85% +3.8% YoY	3.89% +5.7% YoY	37%
Efficiency Ratio ?	27.76% -11.7% YoY -11.6% QoQ	-33.30%	61.06% -4.6% YoY	68.78% -8.1% YoY	66.95% -4.1% YoY	Top 1.1% in tier
Delinquency Rate ?	0.00%	-0.89%	0.89% +14.1% YoY	1.17% +69.3% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	130.88% +0.8% YoY -0.7% QoQ	+46.68%	84.20% +0.3% YoY	85.13% +2.0% YoY	76.70% +0.9% YoY	Bottom 1.1% in tier
Non-Interest-Bearing Deposit Share ?	19.34% +7.3% YoY -4.2% QoQ	-1.94%	21.29% -2.5% YoY	25.15% -3.9% YoY	22.01% -1.2% YoY	48%
Nonperforming Asset Ratio ?	0.00%	-0.67%	0.67% +15.6% YoY	0.91% +65.9% YoY	0.67% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	27.57% -2.1% YoY -4.7% QoQ	+12.41%	15.16% +2.0% YoY	21.08% -3.4% YoY	17.06% +0.8% YoY	Top 3.1% in tier
Non-Interest Income / Assets ?	0.01% -7.0% YoY -78.5% QoQ	-0.24%	0.26% +1.6% YoY	0.70% +11.6% YoY	0.32% +4.1% YoY	Bottom 1.9% 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 (0)

No matched strength signatures this quarter

Concerns (2)

Liquidity Overhang

risk

#5 of 174 • 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: 27.57%

(Tier: 15.16%, National: 17.06%)

better than tier avg

Loan-to-Deposit Ratio: 130.88%

(Tier: 84.20%, National: 76.70%)

worse than tier avg

174 of 174 Mid-Market banks match · 939 nationally

→ Stable +13 banks QoQ | QoQ rank declining

Liquidity Strain

risk

#162 of 334 • Bottom 48.2% 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: 130.88%

(Tier: 84.20%, National: 76.70%)

worse than tier avg

334 of 334 Mid-Market banks match · 1013 nationally

→ Stable -50 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 884 peers in $1B-$10B

Top Strengths (5 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.89%

#1 of 880 Top 0.1% in $1B-$10B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.67%

#1 of 884 Top 0.1% in $1B-$10B

Efficiency Ratio

profitability

Value: 27.76%

Peer Median: 61.06%

#11 of 884 Top 1.1% in $1B-$10B

Tier 1 Capital Ratio

capital

Value: 27.57%

Peer Median: 15.16%

#28 of 884 Top 3.1% in $1B-$10B

164

Return on Assets

profitability

Value: 1.74%

Peer Median: 1.37%

#164 of 884 Top 18.4% in $1B-$10B

Top Weaknesses (3 metrics)

875

Loan-to-Deposit Ratio

liquidity

Value: 130.88%

Peer Median: 84.20%

#875 of 884 Bottom 1.1% in $1B-$10B

868

Non-Interest Income / Assets

revenue_mix

Value: 0.01%

Peer Median: 0.26%

#868 of 884 Bottom 1.9% in $1B-$10B

792

Total Deposits

size

Value: $940.52M

Peer Median: $2.34B

#792 of 884 Bottom 10.5% in $1B-$10B