BlastPoint

BlastPoint's Banking Scorecard

Preferred Bank

$1B-$10B Specialty: Commercial CA FDIC cert 33539

Designations: ✓ Minority Depository Institution

Los Angeles, CA

17 branches across CA · NY · TX

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 +6.5% year over year ($6.5B on the books).
  • Delinquency rate 1.59%.
  • Return on assets 1.69%.
  • Efficiency ratio 33.01% vs a 59.73% peer average.
  • Loan-to-deposit ratio 95.77% 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) →

Preferred Bank has 2 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 26.72% below tier average
  • + ROA 0.30% above tier average

Key Concerns

Areas that may need attention

  • - Capital Thin: Bottom 47.3% in tier
  • - Non-Interest Income / Assets 0.43% below tier average
  • - Net Interest Margin 0.23% below tier average
  • - Delinquency Rate 0.73% above tier average
Get updates when Preferred 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 ? $7.7B
+6.2% YoY +1.0% QoQ
+$4.9B $2.8B
-0.6% YoY
$4.9B
+8.2% YoY
$6.3B
+7.7% YoY
Top 4.7% in tier
Total Loans ? $6.2B
+9.3% YoY +2.4% QoQ
+$4.2B $2.0B
-0.3% YoY
$3.3B
+8.0% YoY
$3.2B
+9.4% YoY
Top 3.1% in tier
Total Deposits ? $6.5B
+6.5% YoY +0.7% QoQ
+$4.2B $2.3B
-0.5% YoY
$4.0B
+7.9% YoY
$4.9B
+7.3% YoY
Top 4.3% in tier
Return on Assets ? 1.69%
-4.6% YoY +3.4% QoQ
+0.30% 1.39%
+17.0% YoY
1.69%
+23.4% YoY
1.30%
+12.1% YoY
78%
Net Interest Margin ? 3.64%
-3.3% YoY +3.2% QoQ
-0.23% 3.87%
+6.2% YoY
3.84%
+2.9% YoY
3.95%
+4.9% YoY
46%
Efficiency Ratio ? 33.01%
+3.1% YoY -2.3% QoQ
-26.72% 59.73%
-12.6% YoY
64.67%
-10.5% YoY
70.05%
+2.5% YoY
Top 3.2% in tier
Delinquency Rate ? 1.59%
+73.0% YoY -42.9% QoQ
+0.73% 0.87%
+11.7% YoY
1.15%
+46.6% YoY
0.98%
+16.3% YoY
Bottom 13.9% in tier
Loan-to-Deposit Ratio ? 95.77%
+2.7% YoY +1.7% QoQ
+10.74% 85.04%
-0.1% YoY
86.69%
+1.8% YoY
79.03%
+2.3% YoY
24%
Non-Interest-Bearing Deposit Share ? 12.05%
+5.2% YoY +3.5% QoQ
-9.22% 21.27%
-1.5% YoY
25.07%
-3.4% YoY
21.98%
-0.6% YoY
16%
Nonperforming Asset Ratio ? 1.32%
+45.3% YoY -41.4% QoQ
+0.64% 0.67%
+11.7% YoY
0.91%
+41.3% YoY
0.69%
+15.8% YoY
Bottom 13.4% in tier
Tier 1 Capital Ratio ? 11.06%
-1.0% YoY +1.8% QoQ
-3.78% 14.84%
-0.4% YoY
20.69%
-2.9% YoY
17.09%
+0.8% YoY
19%
Non-Interest Income / Assets ? 0.10%
+41.9% YoY +79.1% QoQ
-0.43% 0.53%
+2.5% YoY
1.26%
+3.5% YoY
0.66%
+5.2% YoY
Bottom 9.8% 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 12.1%
+0.6pp YoY
+0.4pp QoQ
 -9.3pp 21.4% 25.5% 22.2% 16%
Brokered Deposits 14.2%
-1.3pp YoY
-0.3pp QoQ
 +4.7pp 9.5% 11.0% 8.5% 80%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
C&I 27.0%
+0.6pp YoY
+0.9pp QoQ
 +13.0pp 14.0% 11.8% 12.5% 89%
CRE 61.7%
+0.5pp YoY
-1.0pp QoQ
 +11.7pp 50.0% 67.5% 41.4% 78%
1-4 Family 11.9%
-1.5pp YoY
-0.2pp QoQ
 -14.6pp 26.4% 16.5% 31.3% 22%
Consumer n/a n/a 4.7% 5.3% 5.0% n/a

Capital

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
CET1 Ratio 11.1%
-0.1pp YoY
+0.2pp QoQ
 -4.5pp 15.6% 23.7% 19.7% 11%
Leverage Ratio 10.6%
-0.2pp YoY
+0.2pp QoQ
 -0.8pp 11.3% 14.5% 12.6% 51%
Total Capital Ratio 13.7%
-0.7pp YoY
-0.2pp QoQ
 -3.0pp 16.7% 25.1% 20.8% 35%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Full-Time Employees 321
-2 (-0.6%) YoY
-1 (-0.3%) QoQ
 +7 313 337 482 69%
Assets per Employee ($) $24.1M
+6.9% YoY
+1.3% QoQ
 +$13.6M $10.5M $11.3M $8.8M 96%
Branch Count 16
0 YoY
0 QoQ
 -4 20 15 18 53%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Past Due 90+ Days 0.0%
0.0pp YoY
 -0.1pp 0.2% 0.3% 0.4% 33%
Nonaccrual 1.6%
+0.7pp YoY
-1.2pp QoQ
 +0.8pp 0.8% 1.4% 1.0% 88%
Allowance Coverage 0.77x
-45.4% YoY
+73.8% QoQ
 -17.94x 18.71x 17.11x 20.23x 15%
Net Charge-off Rate (YTD) 0.2%
+0.2pp YoY
-0.2pp QoQ
 -0.1pp 0.3% 0.3% 0.2% 77%

Profitability

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
ROE 16.5%
0.0pp YoY
+0.5pp QoQ
 +3.9pp 12.6% 8.2% 11.6% 81%
Cost of Funds (YTD) 2.8%
-0.3pp YoY
0.0pp QoQ
 +0.9pp 1.9% 1.9% 1.7% 92%
Net Income ($, YTD) $64.7M
+2.9% YoY
— QoQ
 +$45.4M $19.2M $28.5M $40.4M 96%

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)

Capital Thin

risk
#106 of 222 • Bottom 47.3% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature
Tier 1 Capital Ratio: 11.06%
(Tier: 14.84%, National: 17.09%)
worse than tier avg
222 of 222 Mid-Market banks match · 923 nationally
→ Stable | 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).
Comparing against 885 peers in $1B-$10B

Top Strengths (5 metrics)

28
Total Loans
size
Value: $6.20B
Peer Median: $1.96B
#28 of 885 Top 3.1% in $1B-$10B
29
Efficiency Ratio
profitability
Value: 33.01%
Peer Median: 59.73%
#29 of 885 Top 3.2% in $1B-$10B
39
Total Deposits
size
Value: $6.48B
Peer Median: $2.32B
#39 of 885 Top 4.3% in $1B-$10B
43
Total Assets
size
Value: $7.73B
Peer Median: $2.79B
#43 of 885 Top 4.7% in $1B-$10B
192
Return on Assets
profitability
Value: 1.69%
Peer Median: 1.39%
#192 of 885 Top 21.6% in $1B-$10B

Top Weaknesses (6 metrics)

799
Non-Interest Income / Assets
revenue_mix
Value: 0.10%
Peer Median: 0.53%
#799 of 885 Bottom 9.8% in $1B-$10B
767
Nonperforming Asset Ratio
credit_quality
Value: 1.32%
Peer Median: 0.67%
#767 of 885 Bottom 13.4% in $1B-$10B
760
Delinquency Rate
credit_quality
Value: 1.59%
Peer Median: 0.87%
#760 of 882 Bottom 13.9% in $1B-$10B
744
Non-Interest-Bearing Deposit Share
funding
Value: 12.05%
Peer Median: 21.27%
#744 of 885 Bottom 16.0% in $1B-$10B
716
Tier 1 Capital Ratio
capital
Value: 11.06%
Peer Median: 14.84%
#716 of 885 Bottom 19.2% in $1B-$10B
678
Loan-to-Deposit Ratio
liquidity
Value: 95.77%
Peer Median: 85.04%
#678 of 885 Bottom 23.5% in $1B-$10B
Powered by BlastPoint © 2026