BlastPoint's Banking Scorecard

EverTrust Bank

$1B-$10B Specialty: Commercial CA FDIC cert 34010

Designations: ✓ Community bank ✓ Minority Depository Institution

City Of Industry, CA

8 branches across CA

884 banks in the $1B-$10B peer group nationally 49 in CA

EverTrust 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 5.19% below tier average
+ Delinquency Rate 0.06% below tier average

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 12.1% in tier
- Margin Compression: Bottom 54.8% in tier
- Non-Interest Income / Assets 0.24% below tier average
- Net Interest Margin 0.30% below tier average

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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 ?	$1.1B +15.7% YoY +0.6% QoQ	-$1.7B	$2.8B -0.1% YoY	$4.7B +7.7% YoY	$6.2B +9.1% YoY	Bottom 10.7% in tier
Total Loans ?	$814.6M +14.8% YoY -2.1% QoQ	-$1.2B	$2.0B +0.6% YoY	$3.2B +8.4% YoY	$3.2B +10.8% YoY	16%
Total Deposits ?	$839.6M +20.1% YoY +0.7% QoQ	-$1.5B	$2.3B -0.3% YoY	$3.9B +7.0% YoY	$4.8B +8.2% YoY	Bottom 3.5% in tier
Return on Assets ?	1.01% -12.1% YoY -17.1% QoQ	-0.35%	1.37% +19.6% YoY	1.80% +29.4% YoY	1.23% +13.4% YoY	34%
Net Interest Margin ?	3.52% -4.8% YoY -6.8% QoQ	-0.30%	3.82% +6.9% YoY	3.85% +3.8% YoY	3.89% +5.7% YoY	42%
Efficiency Ratio ?	55.87% +4.8% YoY +9.1% QoQ	-5.19%	61.06% -4.6% YoY	68.78% -8.1% YoY	66.95% -4.1% YoY	62%
Delinquency Rate ?	0.83% +175.1% YoY -2.4% QoQ	-0.06%	0.89% +14.1% YoY	1.17% +69.3% YoY	0.95% +18.8% YoY	34%
Loan-to-Deposit Ratio ?	97.02% -4.5% YoY -2.7% QoQ	+12.82%	84.20% +0.3% YoY	85.13% +2.0% YoY	76.70% +0.9% YoY	20%
Non-Interest-Bearing Deposit Share ?	18.61% +17.9% YoY +21.6% QoQ	-2.68%	21.29% -2.5% YoY	25.15% -3.9% YoY	22.01% -1.2% YoY	44%
Nonperforming Asset Ratio ?	0.61% +153.9% YoY -5.0% QoQ	-0.07%	0.67% +15.6% YoY	0.91% +65.9% YoY	0.67% +19.3% YoY	36%
Tier 1 Capital Ratio ?	21.57% -7.9% YoY +0.6% QoQ	+6.41%	15.16% +2.0% YoY	21.08% -3.4% YoY	17.06% +0.8% YoY	Top 6.0% in tier
Non-Interest Income / Assets ?	0.02% -2.3% YoY -70.4% QoQ	-0.24%	0.26% +1.6% YoY	0.70% +11.6% YoY	0.32% +4.1% YoY	Bottom 2.7% in tier

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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 (2)

Liquidity Overhang

risk

#22 of 174 • Bottom 12.1% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature

Tier 1 Capital Ratio: 21.57%

(Tier: 15.16%, National: 17.06%)

better than tier avg

Loan-to-Deposit Ratio: 97.02%

(Tier: 84.20%, National: 76.70%)

worse than tier avg

174 of 174 Mid-Market banks match · 939 nationally

→ Stable +13 banks QoQ | QoQ rank declining

Margin Compression

decline

#47 of 84 • Bottom 54.8% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature

Return on Assets: 1.01%

(Tier: 1.37%, National: 1.23%)

worse than tier avg

84 of 84 Mid-Market banks match · 407 nationally

↑ Growing +94 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 (1 metrics)

Tier 1 Capital Ratio

capital

Value: 21.57%

Peer Median: 15.16%

#54 of 884 Top 6.0% in $1B-$10B

Top Weaknesses (5 metrics)

861

Non-Interest Income / Assets

revenue_mix

Value: 0.02%

Peer Median: 0.26%

#861 of 884 Bottom 2.7% in $1B-$10B

854

Total Deposits

size

Value: $839.63M

Peer Median: $2.34B

#854 of 884 Bottom 3.5% in $1B-$10B

790

Total Assets

size

Value: $1.11B

Peer Median: $2.82B

#790 of 884 Bottom 10.7% in $1B-$10B

743

Total Loans

size

Value: $814.64M

Peer Median: $1.96B

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

710

Loan-to-Deposit Ratio

liquidity

Value: 97.02%

Peer Median: 84.20%

#710 of 884 Bottom 19.8% in $1B-$10B