BlastPoint's Banking Scorecard
California Bank of Commerce, National Association
San Diego, CA
14 branches across CA
California Bank of Commerce, National Association has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Deposit Franchise: Top 24.4% in tier
- + ROA 0.06% above tier average
- + Efficiency Ratio 6.22% below tier average
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 21.4% in tier
- - Delinquency Rate 0.15% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$4.0B
+1.6% YoY
+0.4% QoQ
|
+$1.2B |
$2.8B
-0.1% YoY
|
$4.7B
+7.7% YoY
|
$6.2B
+9.1% YoY
|
81% |
| Total Loans ? |
$3.0B
-2.1% YoY
-2.0% QoQ
|
+$998.1M |
$2.0B
+0.6% YoY
|
$3.2B
+8.4% YoY
|
$3.2B
+10.8% YoY
|
82% |
| Total Deposits ? |
$3.4B
+1.7% YoY
+0.4% QoQ
|
+$1.1B |
$2.3B
-0.3% YoY
|
$3.9B
+7.0% YoY
|
$4.8B
+8.2% YoY
|
80% |
| Return on Assets ? |
1.42%
-20.4% YoY
-14.1% QoQ
|
+0.06% |
1.37%
+19.6% YoY
|
1.80%
+29.4% YoY
|
1.23%
+13.4% YoY
|
65% |
| Net Interest Margin ? |
4.67%
-3.4% YoY
-2.6% QoQ
|
+0.85% |
3.82%
+6.9% YoY
|
3.85%
+3.8% YoY
|
3.89%
+5.7% YoY
|
Top 8.7% in tier |
| Efficiency Ratio ? |
54.84%
+6.0% YoY
+4.5% QoQ
|
-6.22% |
61.06%
-4.6% YoY
|
68.78%
-8.1% YoY
|
66.95%
-4.1% YoY
|
64% |
| Delinquency Rate ? |
1.04%
+37.7% YoY
+95.2% QoQ
|
+0.15% |
0.89%
+14.1% YoY
|
1.17%
+69.3% YoY
|
0.95%
+18.8% YoY
|
26% |
| Loan-to-Deposit Ratio ? |
87.08%
-3.8% YoY
-2.4% QoQ
|
+2.87% |
84.20%
+0.3% YoY
|
85.13%
+2.0% YoY
|
76.70%
+0.9% YoY
|
47% |
| Non-Interest-Bearing Deposit Share ? |
36.93%
-4.6% YoY
+4.5% QoQ
|
+15.64% |
21.29%
-2.5% YoY
|
25.15%
-3.9% YoY
|
22.01%
-1.2% YoY
|
Top 6.7% in tier |
| Nonperforming Asset Ratio ? |
0.97%
+44.0% YoY
+143.9% QoQ
|
+0.30% |
0.67%
+15.6% YoY
|
0.91%
+65.9% YoY
|
0.67%
+19.3% YoY
|
21% |
| Tier 1 Capital Ratio ? |
13.76%
+3.6% YoY
+3.8% QoQ
|
-1.40% |
15.16%
+2.0% YoY
|
21.08%
-3.4% YoY
|
17.06%
+0.8% YoY
|
59% |
| Non-Interest Income / Assets ? |
0.05%
-18.0% YoY
-80.8% QoQ
|
-0.20% |
0.26%
+1.6% YoY
|
0.70%
+11.6% YoY
|
0.32%
+4.1% YoY
|
Bottom 10.9% in tier |
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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 (1)
Deposit Franchise
growthTop-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.
Concerns (1)
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.