BlastPoint's Banking Scorecard
Community Bank of Santa Maria
Santa Maria, CA
2 branches across CA
Community Bank of Santa Maria has 2 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Deposit Franchise: Top 65.4% in tier
- + Delinquency Rate 0.75% below tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 18.7% in tier
- - Flatlined Growth: Bottom 44.9% in tier
- - ROA 0.26% below tier average
- - Efficiency Ratio 2.47% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$405.1M
+0.8% YoY
-5.5% QoQ
|
+$19.0M |
$386.1M
+0.5% YoY
|
$4.7B
+7.7% YoY
|
$6.2B
+9.1% YoY
|
62% |
| Total Loans ? |
$294.1M
+13.2% YoY
+3.1% QoQ
|
+$38.4M |
$255.7M
+1.1% YoY
|
$3.2B
+8.4% YoY
|
$3.2B
+10.8% YoY
|
67% |
| Total Deposits ? |
$357.1M
-1.1% YoY
-7.1% QoQ
|
+$29.1M |
$328.0M
+0.1% YoY
|
$3.9B
+7.0% YoY
|
$4.8B
+8.2% YoY
|
63% |
| Return on Assets ? |
1.01%
+18.5% YoY
-2.6% QoQ
|
-0.26% |
1.27%
+12.9% YoY
|
1.80%
+29.4% YoY
|
1.23%
+13.4% YoY
|
38% |
| Net Interest Margin ? |
4.35%
+10.2% YoY
+4.5% QoQ
|
+0.42% |
3.93%
+6.0% YoY
|
3.85%
+3.8% YoY
|
3.89%
+5.7% YoY
|
75% |
| Efficiency Ratio ? |
67.75%
-3.8% YoY
+3.0% QoQ
|
+2.47% |
65.29%
-4.5% YoY
|
68.78%
-8.1% YoY
|
66.95%
-4.1% YoY
|
38% |
| Delinquency Rate ? |
0.14%
+441.0% YoY
|
-0.75% |
0.89%
+18.8% YoY
|
1.17%
+69.3% YoY
|
0.95%
+18.8% YoY
|
70% |
| Loan-to-Deposit Ratio ? |
82.36%
+14.4% YoY
+11.0% QoQ
|
+5.72% |
76.64%
+0.8% YoY
|
85.13%
+2.0% YoY
|
76.70%
+0.9% YoY
|
41% |
| Non-Interest-Bearing Deposit Share ? |
38.04%
+1.2% YoY
-8.0% QoQ
|
+16.02% |
22.02%
-1.0% YoY
|
25.15%
-3.9% YoY
|
22.01%
-1.2% YoY
|
Top 6.3% in tier |
| Nonperforming Asset Ratio ? |
0.10%
+507.5% YoY
|
-0.54% |
0.64%
+19.7% YoY
|
0.91%
+65.9% YoY
|
0.67%
+19.3% YoY
|
71% |
| Tier 1 Capital Ratio ? |
13.30%
-12.2% YoY
-8.8% QoQ
|
-2.53% |
15.83%
+1.5% YoY
|
21.08%
-3.4% YoY
|
17.06%
+0.8% YoY
|
50% |
| Non-Interest Income / Assets ? |
0.07%
-3.8% YoY
-79.0% QoQ
|
-0.21% |
0.28%
+9.3% YoY
|
0.70%
+11.6% YoY
|
0.32%
+4.1% YoY
|
33% |
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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 (2)
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.