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Tustin Community Bank

under $100M Specialty: Commercial CA FDIC cert 32908

Designations: ✓ Community bank

Tustin, CA

541 banks in the under $100M peer group nationally 4 in CA
View under $100M leaderboard (CA) →

Tustin Community Bank shows strong momentum with 4 strengths and 5.3% YoY asset growth

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 2.03% above tier average
  • + ROA 0.34% above tier average
  • + Efficiency Ratio 15.28% below tier average
  • + Delinquency Rate 1.33% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

Get updates when Tustin Community Bank releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Total Assets ? $86.2M
+5.3% YoY +4.9% QoQ
+$24.0M $62.2M
-0.6% YoY
$4.7B
+7.7% YoY
$6.2B
+9.1% YoY
80%
Total Loans ? $66.6M
+10.7% YoY +6.9% QoQ
+$32.3M $34.2M
-1.4% YoY
$3.2B
+8.4% YoY
$3.2B
+10.8% YoY
Top 6.7% in tier
Total Deposits ? $71.4M
+5.3% YoY +3.9% QoQ
+$19.6M $51.7M
-0.7% YoY
$3.9B
+7.0% YoY
$4.8B
+8.2% YoY
77%
Return on Assets ? 1.17%
+62.0% YoY +84.5% QoQ
+0.34% 0.84%
-2.3% YoY
1.80%
+29.4% YoY
1.23%
+13.4% YoY
61%
Net Interest Margin ? 5.89%
+3.4% YoY +0.5% QoQ
+2.03% 3.86%
+2.8% YoY
3.85%
+3.8% YoY
3.89%
+5.7% YoY
Top 2.2% in tier
Efficiency Ratio ? 73.07%
-11.2% YoY -13.0% QoQ
-15.28% 88.34%
+0.3% YoY
68.78%
-8.1% YoY
66.95%
-4.1% YoY
48%
Delinquency Rate ? 0.04%
+80.7% YoY +386.6% QoQ
-1.33% 1.37%
+33.8% YoY
1.17%
+69.3% YoY
0.95%
+18.8% YoY
69%
Loan-to-Deposit Ratio ? 93.30%
+5.1% YoY +2.8% QoQ
+29.08% 64.22%
-0.7% YoY
85.13%
+2.0% YoY
76.70%
+0.9% YoY
Bottom 12.6% in tier
Non-Interest-Bearing Deposit Share ? 18.34%
+30.1% YoY +0.4% QoQ
-5.37% 23.71%
+0.3% YoY
25.15%
-3.9% YoY
22.01%
-1.2% YoY
34%
Nonperforming Asset Ratio ? 0.03%
+89.9% YoY +395.6% QoQ
-0.76% 0.79%
+28.2% YoY
0.91%
+65.9% YoY
0.67%
+19.3% YoY
67%
Tier 1 Capital Ratio ? 15.66%
+10.3% YoY -2.2% QoQ
-11.02% 26.68%
+2.0% YoY
21.08%
-3.4% YoY
17.06%
+0.8% YoY
52%
Non-Interest Income / Assets ? 0.06%
+9.1% YoY -77.7% QoQ
-0.60% 0.67%
+1.9% YoY
0.70%
+11.6% YoY
0.32%
+4.1% YoY
50%

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 (0)

No matched concern signatures this quarter

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).
Comparing against 541 peers in under $100M

Top Strengths (4 metrics)

13
Net Interest Margin
profitability
Value: 5.89%
Peer Median: 3.86%
#13 of 541 Top 2.2% in under $100M
37
Total Loans
size
Value: $66.57M
Peer Median: $34.25M
#37 of 541 Top 6.7% in under $100M
107
Total Assets
size
Value: $86.21M
Peer Median: $62.16M
#107 of 541 Top 19.6% in under $100M
128
Total Deposits
size
Value: $71.35M
Peer Median: $51.74M
#128 of 541 Top 23.5% in under $100M

Top Weaknesses (1 metrics)

474
Loan-to-Deposit Ratio
liquidity
Value: 93.30%
Peer Median: 64.22%
#474 of 541 Bottom 12.6% in under $100M
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