BlastPoint's Banking Scorecard

Chino Commercial Bank, N.A.

$100M-$1B Specialty: Commercial CA FDIC cert 35366

Chino, CA

5 branches across CA

2664 banks in the $100M-$1B peer group nationally 53 in CA

Chino Commercial Bank, N.A. demonstrates 5 strengths

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

+ Non-Interest-Bearing Deposit Share 25.36% above tier average
+ ROA 0.26% above tier average
+ Net Interest Margin 0.17% above tier average
+ Efficiency Ratio 16.67% below tier average
+ Delinquency Rate 0.36% 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 ?	$465.8M -1.1% YoY -5.5% QoQ	+$79.7M	$386.1M +0.5% YoY	$4.7B +7.7% YoY	$6.2B +9.1% YoY	69%
Total Loans ?	$226.9M +11.8% YoY +5.9% QoQ	-$28.8M	$255.7M +1.1% YoY	$3.2B +8.4% YoY	$3.2B +10.8% YoY	55%
Total Deposits ?	$388.1M +3.7% YoY +3.1% QoQ	+$60.1M	$328.0M +0.1% YoY	$3.9B +7.0% YoY	$4.8B +8.2% YoY	68%
Return on Assets ?	1.52% +18.5% YoY +13.5% QoQ	+0.26%	1.27% +12.9% YoY	1.80% +29.4% YoY	1.23% +13.4% YoY	69%
Net Interest Margin ?	4.10% +18.9% YoY +13.6% QoQ	+0.17%	3.93% +6.0% YoY	3.85% +3.8% YoY	3.89% +5.7% YoY	63%
Efficiency Ratio ?	48.62% -10.6% YoY -9.0% QoQ	-16.67%	65.29% -4.5% YoY	68.78% -8.1% YoY	66.95% -4.1% YoY	Top 13.5% in tier
Delinquency Rate ?	0.53% -4.0% YoY +59.6% QoQ	-0.36%	0.89% +18.8% YoY	1.17% +69.3% YoY	0.95% +18.8% YoY	44%
Loan-to-Deposit Ratio ?	58.48% +7.8% YoY +2.8% QoQ	-18.16%	76.64% +0.8% YoY	85.13% +2.0% YoY	76.70% +0.9% YoY	83%
Non-Interest-Bearing Deposit Share ?	47.38% -0.8% YoY -5.1% QoQ	+25.36%	22.02% -1.0% YoY	25.15% -3.9% YoY	22.01% -1.2% YoY	Top 2.2% in tier
Nonperforming Asset Ratio ?	0.26% +8.5% YoY +79.0% QoQ	-0.38%	0.64% +19.7% YoY	0.91% +65.9% YoY	0.67% +19.3% YoY	54%
Tier 1 Capital Ratio ?	12.36% +6.2% YoY +0.8% QoQ	-3.47%	15.83% +1.5% YoY	21.08% -3.4% YoY	17.06% +0.8% YoY	40%
Non-Interest Income / Assets ?	0.19% +4.8% YoY -74.1% QoQ	-0.09%	0.28% +9.3% YoY	0.70% +11.6% YoY	0.32% +4.1% YoY	84%

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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 2664 peers in $100M-$1B

Top Strengths (4 metrics)

Non-Interest-Bearing Deposit Share

funding

Value: 47.38%

Peer Median: 22.02%

#60 of 2664 Top 2.2% in $100M-$1B

361

Efficiency Ratio

profitability

Value: 48.62%

Peer Median: 65.29%

#361 of 2664 Top 13.5% in $100M-$1B

440

Non-Interest Income / Assets

revenue_mix

Value: 0.19%

Peer Median: 0.28%

#440 of 2664 Top 16.5% in $100M-$1B

450

Loan-to-Deposit Ratio

liquidity

Value: 58.48%

Peer Median: 76.64%

#450 of 2664 Top 16.9% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available