BlastPoint's Banking Scorecard
Chino Commercial Bank, N.A.
Chino, CA
5 branches across 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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 53 in CA.
- Deposits +4.9% year over year ($397.2M on the books).
- Delinquency rate 0.50%.
- Return on assets 1.54%.
- Efficiency ratio 49.16% vs a 64.48% peer average.
- Loan-to-deposit ratio 58.94% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Chino Commercial Bank, N.A. has 4 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 27.20% above tier average
- + ROA 0.21% above tier average
- + Efficiency Ratio 15.32% below tier average
- + Delinquency Rate 0.41% below tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 28.4% in tier
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$516.7M
+7.3% YoY
+10.9% QoQ
|
+$130.1M |
$386.6M
+1.2% YoY
|
$4.9B
+8.2% YoY
|
$6.3B
+7.7% YoY
|
73% |
| Total Loans ? |
$234.1M
+16.4% YoY
+3.2% QoQ
|
-$24.2M |
$258.3M
+1.7% YoY
|
$3.3B
+8.0% YoY
|
$3.2B
+9.4% YoY
|
56% |
| Total Deposits ? |
$397.2M
+4.9% YoY
+2.4% QoQ
|
+$70.5M |
$326.7M
+0.7% YoY
|
$4.0B
+7.9% YoY
|
$4.9B
+7.3% YoY
|
70% |
| Return on Assets ? |
1.54%
+13.6% YoY
+0.8% QoQ
|
+0.21% |
1.32%
+10.8% YoY
|
1.69%
+23.4% YoY
|
1.30%
+12.1% YoY
|
67% |
| Net Interest Margin ? |
3.95%
+12.8% YoY
-3.7% QoQ
|
-0.04% |
3.99%
+5.0% YoY
|
3.84%
+2.9% YoY
|
3.95%
+4.9% YoY
|
51% |
| Efficiency Ratio ? |
49.16%
-8.6% YoY
+1.1% QoQ
|
-15.32% |
64.48%
-3.2% YoY
|
64.67%
-10.5% YoY
|
70.05%
+2.5% YoY
|
85% |
| Delinquency Rate ? |
0.50%
+21.4% YoY
-4.2% QoQ
|
-0.41% |
0.92%
+15.7% YoY
|
1.15%
+46.6% YoY
|
0.98%
+16.3% YoY
|
46% |
| Loan-to-Deposit Ratio ? |
58.94%
+11.0% YoY
+0.8% QoQ
|
-19.02% |
77.95%
+1.0% YoY
|
86.69%
+1.8% YoY
|
79.03%
+2.3% YoY
|
84% |
| Non-Interest-Bearing Deposit Share ? |
49.23%
+4.0% YoY
+3.9% QoQ
|
+27.20% |
22.03%
-0.6% YoY
|
25.07%
-3.4% YoY
|
21.98%
-0.6% YoY
|
Top 1.6% in tier |
| Nonperforming Asset Ratio ? |
0.23%
+31.7% YoY
-10.9% QoQ
|
-0.44% |
0.67%
+16.4% YoY
|
0.91%
+41.3% YoY
|
0.69%
+15.8% YoY
|
58% |
| Tier 1 Capital Ratio ? |
12.51%
+3.6% YoY
+1.2% QoQ
|
-3.40% |
15.91%
+1.4% YoY
|
20.69%
-2.9% YoY
|
17.09%
+0.8% YoY
|
42% |
| Non-Interest Income / Assets ? |
0.34%
-6.7% YoY
+81.2% QoQ
|
-0.23% |
0.57%
+7.6% YoY
|
1.26%
+3.5% YoY
|
0.66%
+5.2% YoY
|
78% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 |
49.2%
+1.9pp YoY +1.8pp QoQ |
+27.1pp | 22.1% | 25.5% | 22.2% | 98% |
| Brokered Deposits |
1.3%
-0.4pp YoY 0.0pp QoQ |
-6.6pp | 7.9% | 11.0% | 8.5% | 22% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
1.8%
+0.1pp YoY -1.4pp QoQ |
-9.7pp | 11.6% | 11.8% | 12.5% | 6% |
| CRE |
91.0%
-0.5pp YoY +2.1pp QoQ |
+51.5pp | 39.5% | 67.5% | 41.4% | 100% |
| 1-4 Family |
7.9%
+0.6pp YoY -0.7pp QoQ |
-24.7pp | 32.6% | 16.5% | 31.3% | 8% |
| Consumer |
0.3%
0.0pp YoY 0.0pp QoQ |
-3.8pp | 4.1% | 5.3% | 5.0% | 11% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 23.7% | 19.7% | n/a |
| Leverage Ratio |
12.5%
+0.4pp YoY +0.2pp QoQ |
+0.3pp | 12.2% | 14.5% | 12.6% | 70% |
| Total Capital Ratio | n/a | n/a | 19.9% | 25.1% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
66
-2 (-2.9%) YoY -4 (-5.7%) QoQ |
+7 | 58 | 337 | 482 | 68% |
| Assets per Employee ($) |
$7.8M
+10.5% YoY +17.7% QoQ |
+$310K | $7.5M | $11.3M | $8.8M | 65% |
| Branch Count |
5
0 YoY 0 QoQ |
0 | 4 | 15 | 18 | 55% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.3% | 0.4% | n/a |
| Nonaccrual |
0.5%
+0.1pp YoY 0.0pp QoQ |
-0.4pp | 0.9% | 1.4% | 1.0% | 53% |
| Allowance Coverage |
4.37x
-21.3% YoY +1.3% QoQ |
-19.79x | 24.15x | 17.11x | 20.23x | 67% |
| Net Charge-off Rate (YTD) |
-0.0%
0.0pp YoY 0.0pp QoQ |
-0.2pp | 0.1% | 0.3% | 0.2% | 14% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
13.6%
+0.8pp YoY +0.3pp QoQ |
+1.4pp | 12.2% | 8.2% | 11.6% | 60% |
| Cost of Funds (YTD) |
1.2%
-0.1pp YoY 0.0pp QoQ |
-0.5pp | 1.7% | 1.9% | 1.7% | 19% |
| Net Income ($, YTD) |
$3.8M
+18.1% YoY — QoQ |
+$1.2M | $2.6M | $28.5M | $40.4M | 78% |
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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 (0)
Concerns (1)
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.