BlastPoint's Banking Scorecard

Preferred Bank

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

Designations: ✓ Minority Depository Institution

Los Angeles, CA

16 branches across CA · NY · TX

884 banks in the $1B-$10B peer group nationally 49 in 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 27.26% below tier average
+ ROA 0.27% above tier average

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 45.5% in tier
- Delinquency Rate 1.90% above tier average
- Nonperforming Asset Ratio 1.57% above tier average
- Net Interest Margin 0.29% below tier average

Get updates when Preferred 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 ?	$7.7B +7.8% YoY +0.7% QoQ	+$4.8B	$2.8B -0.1% YoY	$4.7B +7.7% YoY	$6.2B +9.1% YoY	Top 5.4% in tier
Total Loans ?	$6.1B +8.7% YoY +1.2% QoQ	+$4.1B	$2.0B +0.6% YoY	$3.2B +8.4% YoY	$3.2B +10.8% YoY	Top 3.5% in tier
Total Deposits ?	$6.4B +5.8% YoY +1.3% QoQ	+$4.1B	$2.3B -0.3% YoY	$3.9B +7.0% YoY	$4.8B +8.2% YoY	Top 5.0% in tier
Return on Assets ?	1.63% -4.6% YoY -11.1% QoQ	+0.27%	1.37% +19.6% YoY	1.80% +29.4% YoY	1.23% +13.4% YoY	77%
Net Interest Margin ?	3.53% -4.3% YoY -8.3% QoQ	-0.29%	3.82% +6.9% YoY	3.85% +3.8% YoY	3.89% +5.7% YoY	42%
Efficiency Ratio ?	33.80% +0.3% YoY +11.2% QoQ	-27.26%	61.06% -4.6% YoY	68.78% -8.1% YoY	66.95% -4.1% YoY	Top 3.5% in tier
Delinquency Rate ?	2.79% +97.1% YoY +225.6% QoQ	+1.90%	0.89% +14.1% YoY	1.17% +69.3% YoY	0.95% +18.8% YoY	Bottom 5.3% in tier
Loan-to-Deposit Ratio ?	94.21% +2.8% YoY -0.1% QoQ	+10.01%	84.20% +0.3% YoY	85.13% +2.0% YoY	76.70% +0.9% YoY	26%
Non-Interest-Bearing Deposit Share ?	11.64% -6.1% YoY +2.5% QoQ	-9.65%	21.29% -2.5% YoY	25.15% -3.9% YoY	22.01% -1.2% YoY	16%
Nonperforming Asset Ratio ?	2.25% +72.5% YoY +211.8% QoQ	+1.57%	0.67% +15.6% YoY	0.91% +65.9% YoY	0.67% +19.3% YoY	Bottom 5.0% in tier
Tier 1 Capital Ratio ?	10.87% -8.3% YoY -3.4% QoQ	-4.29%	15.16% +2.0% YoY	21.08% -3.4% YoY	17.06% +0.8% YoY	15%
Non-Interest Income / Assets ?	0.06% +47.2% YoY -71.2% QoQ	-0.20%	0.26% +1.6% YoY	0.70% +11.6% YoY	0.32% +4.1% YoY	Bottom 11.2% in tier

Get Full Access to Preferred Bank

Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free

$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

Want to see an example first? Preview JPMorgan Chase's scorecard →

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)

Liquidity Strain

risk

#153 of 334 • Bottom 45.5% 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: 94.21%

(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 declining

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)

Total Loans

size

Value: $6.06B

Peer Median: $1.96B

#32 of 884 Top 3.5% in $1B-$10B

Efficiency Ratio

profitability

Value: 33.80%

Peer Median: 61.06%

#32 of 884 Top 3.5% in $1B-$10B

Total Deposits

size

Value: $6.43B

Peer Median: $2.34B

#45 of 884 Top 5.0% in $1B-$10B

Total Assets

size

Value: $7.66B

Peer Median: $2.82B

#49 of 884 Top 5.4% in $1B-$10B

205

Return on Assets

profitability

Value: 1.63%

Peer Median: 1.37%

#205 of 884 Top 23.1% in $1B-$10B

Top Weaknesses (5 metrics)

841

Nonperforming Asset Ratio

credit_quality

Value: 2.25%

Peer Median: 0.67%

#841 of 884 Bottom 5.0% in $1B-$10B

834

Delinquency Rate

credit_quality

Value: 2.79%

Peer Median: 0.89%

#834 of 880 Bottom 5.3% in $1B-$10B

786

Non-Interest Income / Assets

revenue_mix

Value: 0.06%

Peer Median: 0.26%

#786 of 884 Bottom 11.2% in $1B-$10B

751

Tier 1 Capital Ratio

capital

Value: 10.87%

Peer Median: 15.16%

#751 of 884 Bottom 15.2% in $1B-$10B

743

Non-Interest-Bearing Deposit Share

funding

Value: 11.64%

Peer Median: 21.29%

#743 of 884 Bottom 16.1% in $1B-$10B