BlastPoint's Banking Scorecard

Tustin Community Bank

under $100M Specialty: Commercial CA FDIC cert 32908

Designations: ✓ Community bank

Tustin, CA

537 banks in the under $100M peer group nationally 4 in 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 2.02% above tier average
+ ROA 0.32% above tier average
+ Efficiency Ratio 14.56% below tier average
+ Delinquency Rate 1.32% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

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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 ?	$86.2M +5.3% YoY +4.9% QoQ	+$23.9M	$62.3M -0.5% YoY	$4.8B +7.6% YoY	$6.2B +9.0% YoY	80%
Total Loans ?	$66.6M +10.7% YoY +6.9% QoQ	+$32.3M	$34.3M -1.5% YoY	$3.3B +8.3% YoY	$3.2B +10.7% YoY	Top 6.7% in tier
Total Deposits ?	$71.4M +5.3% YoY +3.9% QoQ	+$19.5M	$51.8M -0.6% YoY	$3.9B +6.9% YoY	$4.8B +8.0% YoY	76%
Return on Assets ?	1.17% +62.0% YoY +84.5% QoQ	+0.32%	0.86% -3.6% YoY	1.75% +28.6% YoY	1.24% +13.1% YoY	61%
Net Interest Margin ?	5.89% +3.4% YoY +0.5% QoQ	+2.02%	3.87% +2.7% YoY	3.80% +3.1% YoY	3.89% +5.7% YoY	Top 2.2% in tier
Efficiency Ratio ?	73.07% -11.2% YoY -13.0% QoQ	-14.56%	87.63% +2.3% YoY	69.04% -8.1% YoY	66.84% -3.8% YoY	47%
Delinquency Rate ?	0.04% +80.7% YoY +386.6% QoQ	-1.32%	1.36% +33.7% YoY	1.18% +69.8% YoY	0.95% +18.8% YoY	69%
Loan-to-Deposit Ratio ?	93.30% +5.1% YoY +2.8% QoQ	+29.19%	64.11% -0.9% YoY	85.63% +2.0% YoY	76.69% +0.9% YoY	Bottom 12.5% in tier
Non-Interest-Bearing Deposit Share ?	18.34% +30.1% YoY +0.4% QoQ	-5.44%	23.79% +0.5% YoY	24.99% -4.4% YoY	22.01% -1.1% YoY	34%
Nonperforming Asset Ratio ?	0.03% +89.9% YoY +395.6% QoQ	-0.74%	0.77% +28.7% YoY	0.92% +66.1% YoY	0.66% +19.3% YoY	67%
Tier 1 Capital Ratio ?	15.66% +10.3% YoY -2.2% QoQ	-11.11%	26.77% +2.0% YoY	21.06% -3.6% YoY	17.06% +0.8% YoY	52%
Non-Interest Income / Assets ?	0.06% +9.1% YoY -77.7% QoQ	-0.61%	0.67% +1.6% YoY	0.69% +11.1% YoY	0.32% +4.0% YoY	50%

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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 (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).

Compare against:

Comparing against 537 peers in under $100M

Top Strengths (4 metrics)

Net Interest Margin

profitability

Value: 5.89%

Peer Median: 3.87%

#13 of 537 Top 2.2% in under $100M

Total Loans

size

Value: $66.57M

Peer Median: $34.29M

#37 of 537 Top 6.7% in under $100M

107

Total Assets

size

Value: $86.21M

Peer Median: $62.28M

#107 of 537 Top 19.7% in under $100M

128

Total Deposits

size

Value: $71.35M

Peer Median: $51.83M

#128 of 537 Top 23.6% in under $100M

Top Weaknesses (1 metrics)

471

Loan-to-Deposit Ratio

liquidity

Value: 93.30%

Peer Median: 64.11%

#471 of 537 Bottom 12.5% in under $100M