BlastPoint's Banking Scorecard

Tustin Community Bank

under $100M Specialty: Commercial CA FDIC cert 32908

Designations: ✓ Community bank

Tustin, 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 536 banks in the under $100M peer group nationwide — 1 of 3 in CA.
Deposits +9.8% year over year ($69.5M on the books).
Delinquency rate 0.00%.
Return on assets 1.10%.
Efficiency ratio 74.51% vs a 119.40% peer average.
Loan-to-deposit ratio 98.03% vs a 74.21% peer average.

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

536 banks in the under $100M peer group nationally 3 in CA

View under $100M leaderboard (CA) →

Tustin Community Bank shows strong momentum with 5 strengths and 7.0% 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 2.08% above tier average
+ Delinquency Rate 1.48% below tier average
+ Nonperforming Asset Ratio 0.84% below tier average
+ ROA 0.10% above tier average
+ Efficiency Ratio 44.88% 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-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Total Assets ?	$86.5M +7.0% YoY +0.4% QoQ	+$24.1M	$62.4M -0.0% YoY	$4.9B +8.2% YoY	$6.3B +7.7% YoY	80%
Total Loans ?	$68.1M +12.9% YoY +2.3% QoQ	+$33.2M	$34.9M -0.6% YoY	$3.3B +8.0% YoY	$3.2B +9.4% YoY	Top 6.5% in tier
Total Deposits ?	$69.5M +9.8% YoY -2.7% QoQ	+$17.8M	$51.6M -0.2% YoY	$4.0B +7.9% YoY	$4.9B +7.3% YoY	73%
Return on Assets ?	1.10% +66.7% YoY -6.3% QoQ	+0.10%	1.00% +3.5% YoY	1.69% +23.4% YoY	1.30% +12.1% YoY	56%
Net Interest Margin ?	5.99% +4.1% YoY +1.7% QoQ	+2.08%	3.91% +2.3% YoY	3.84% +2.9% YoY	3.95% +4.9% YoY	Top 2.2% in tier
Efficiency Ratio ?	74.51% -11.1% YoY +2.0% QoQ	-44.88%	119.40% +49.6% YoY	64.67% -10.5% YoY	70.05% +2.5% YoY	42%
Delinquency Rate ?	0.00% -100.0% QoQ	-1.48%	1.48% +31.8% YoY	1.15% +46.6% YoY	0.98% +16.3% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	98.03% +2.9% YoY +5.1% QoQ	+23.82%	74.21% +12.6% YoY	86.69% +1.8% YoY	79.03% +2.3% YoY	Bottom 11.0% in tier
Non-Interest-Bearing Deposit Share ?	19.26% +4.1% YoY +5.0% QoQ	-4.23%	23.49% +0.6% YoY	25.07% -3.4% YoY	21.98% -0.6% YoY	36%
Nonperforming Asset Ratio ?	0.00% -100.0% QoQ	-0.84%	0.84% +23.0% YoY	0.91% +41.3% YoY	0.69% +15.8% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	15.46% +6.8% YoY -1.3% QoQ	-11.67%	27.13% +3.0% YoY	20.69% -2.9% YoY	17.09% +0.8% YoY	50%
Non-Interest Income / Assets ?	0.12% -28.2% YoY +95.6% QoQ	-1.26%	1.38% +6.3% YoY	1.26% +3.5% YoY	0.66% +5.2% YoY	49%

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	19.3% +0.8pp YoY +0.9pp QoQ	-5.4pp	24.6%	25.5%	22.2%	33%
Brokered Deposits	n/a	n/a	9.8%	11.0%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
C&I	3.3% -2.2pp YoY -1.1pp QoQ	-10.1pp	13.4%	11.8%	12.5%	11%
CRE	45.8% -3.2pp YoY +1.0pp QoQ	+20.5pp	25.2%	67.5%	41.4%	88%
1-4 Family	12.1% +2.4pp YoY +0.6pp QoQ	-22.9pp	35.0%	16.5%	31.3%	25%
Consumer	42.0% +2.5pp YoY -0.5pp QoQ	+34.4pp	7.7%	5.3%	5.0%	98%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	38.7%	23.7%	19.7%	n/a
Leverage Ratio	15.5% +1.0pp YoY -0.2pp QoQ	-2.2pp	17.7%	14.5%	12.6%	72%
Total Capital Ratio	n/a	n/a	39.7%	25.1%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Full-Time Employees	19 -2 (-9.5%) YoY 0 QoQ	+7	12	337	482	87%
Assets per Employee ($)	$4.6M +18.3% YoY +0.4% QoQ	-$1.6M	$6.2M	$11.3M	$8.8M	29%
Branch Count	1 0 YoY 0 QoQ	-1	1	15	18	0%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	1.0%	0.3%	0.4%	n/a
Nonaccrual	n/a	n/a	1.7%	1.4%	1.0%	n/a
Allowance Coverage	n/a	n/a	6.41x	17.11x	20.23x	n/a
Net Charge-off Rate (YTD)	0.4% +0.1pp YoY 0.0pp QoQ	+0.2pp	0.2%	0.3%	0.2%	87%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
ROE	7.1% +2.4pp YoY -0.5pp QoQ	+0.7pp	6.4%	8.2%	11.6%	44%
Cost of Funds (YTD)	2.1% -0.5pp YoY 0.0pp QoQ	+0.7pp	1.4%	1.9%	1.7%	86%
Net Income ($, YTD)	$467,000 +75.6% YoY — QoQ	+$149K	$317,817	$28.5M	$40.4M	70%

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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 536 peers in under $100M

Top Strengths (5 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 1.48%

#1 of 517 Top 0.1% in under $100M

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.84%

#1 of 536 Top 0.1% in under $100M

Net Interest Margin

profitability

Value: 5.99%

Peer Median: 3.91%

#13 of 536 Top 2.2% in under $100M

Total Loans

size

Value: $68.08M

Peer Median: $34.89M

#36 of 536 Top 6.5% in under $100M

106

Total Assets

size

Value: $86.53M

Peer Median: $62.44M

#106 of 536 Top 19.6% in under $100M

Top Weaknesses (1 metrics)

478

Loan-to-Deposit Ratio

liquidity

Value: 98.03%

Peer Median: 74.21%

#478 of 536 Bottom 11.0% in under $100M