BlastPoint's Banking Scorecard
Commercial Bank of California
Designations: ✓ Minority Depository Institution
Irvine, CA
10 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 885 banks in the $1B-$10B peer group nationwide — 1 of 49 in CA.
- Deposits +13.2% year over year ($3.5B on the books).
- Delinquency rate 0.38%.
- Return on assets 1.34%.
- Efficiency ratio 53.53% vs a 59.73% peer average.
- Loan-to-deposit ratio 79.50% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Commercial Bank of California shows strong momentum with 3 strengths and 7.6% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 16.52% above tier average
- + Efficiency Ratio 6.20% below tier average
- + Delinquency Rate 0.49% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$4.0B
+7.6% YoY
+2.1% QoQ
|
+$1.2B |
$2.8B
-0.6% YoY
|
$4.9B
+8.2% YoY
|
$6.3B
+7.7% YoY
|
80% |
| Total Loans ? |
$2.7B
+6.2% YoY
+0.8% QoQ
|
+$784.0M |
$2.0B
-0.3% YoY
|
$3.3B
+8.0% YoY
|
$3.2B
+9.4% YoY
|
80% |
| Total Deposits ? |
$3.5B
+13.2% YoY
+1.9% QoQ
|
+$1.1B |
$2.3B
-0.5% YoY
|
$4.0B
+7.9% YoY
|
$4.9B
+7.3% YoY
|
81% |
| Return on Assets ? |
1.34%
+29.6% YoY
+2.3% QoQ
|
-0.05% |
1.39%
+17.0% YoY
|
1.69%
+23.4% YoY
|
1.30%
+12.1% YoY
|
58% |
| Net Interest Margin ? |
3.92%
+7.5% YoY
+0.4% QoQ
|
+0.05% |
3.87%
+6.2% YoY
|
3.84%
+2.9% YoY
|
3.95%
+4.9% YoY
|
63% |
| Efficiency Ratio ? |
53.53%
-10.5% YoY
+0.2% QoQ
|
-6.20% |
59.73%
-12.6% YoY
|
64.67%
-10.5% YoY
|
70.05%
+2.5% YoY
|
66% |
| Delinquency Rate ? |
0.38%
-36.7% YoY
-42.0% QoQ
|
-0.49% |
0.87%
+11.7% YoY
|
1.15%
+46.6% YoY
|
0.98%
+16.3% YoY
|
63% |
| Loan-to-Deposit Ratio ? |
79.50%
-6.2% YoY
-1.1% QoQ
|
-5.53% |
85.04%
-0.1% YoY
|
86.69%
+1.8% YoY
|
79.03%
+2.3% YoY
|
69% |
| Non-Interest-Bearing Deposit Share ? |
37.80%
-7.6% YoY
-11.2% QoQ
|
+16.52% |
21.27%
-1.5% YoY
|
25.07%
-3.4% YoY
|
21.98%
-0.6% YoY
|
Top 5.6% in tier |
| Nonperforming Asset Ratio ? |
0.35%
-16.7% YoY
-36.1% QoQ
|
-0.33% |
0.67%
+11.7% YoY
|
0.91%
+41.3% YoY
|
0.69%
+15.8% YoY
|
58% |
| Tier 1 Capital Ratio ? |
11.78%
+7.1% YoY
+2.5% QoQ
|
-3.06% |
14.84%
-0.4% YoY
|
20.69%
-2.9% YoY
|
17.09%
+0.8% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.31%
+0.6% YoY
+131.9% QoQ
|
-0.22% |
0.53%
+2.5% YoY
|
1.26%
+3.5% YoY
|
0.66%
+5.2% YoY
|
54% |
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 |
37.8%
-3.1pp YoY -4.8pp QoQ |
+16.4pp | 21.4% | 25.5% | 22.2% | 94% |
| Brokered Deposits |
5.1%
-1.2pp YoY -0.1pp QoQ |
-4.4pp | 9.5% | 11.0% | 8.5% | 49% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
8.7%
+0.4pp YoY +0.3pp QoQ |
-5.3pp | 14.0% | 11.8% | 12.5% | 38% |
| CRE |
86.9%
0.0pp YoY -0.5pp QoQ |
+36.9pp | 50.0% | 67.5% | 41.4% | 98% |
| 1-4 Family |
3.6%
0.0pp YoY +0.1pp QoQ |
-22.9pp | 26.4% | 16.5% | 31.3% | 5% |
| Consumer |
1.8%
-0.2pp YoY +0.1pp QoQ |
-2.9pp | 4.7% | 5.3% | 5.0% | 60% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
11.8%
+0.8pp YoY +0.3pp QoQ |
-3.8pp | 15.6% | 23.7% | 19.7% | 19% |
| Leverage Ratio |
9.3%
+0.5pp YoY -0.3pp QoQ |
-2.0pp | 11.3% | 14.5% | 12.6% | 18% |
| Total Capital Ratio |
12.9%
+0.8pp YoY +0.3pp QoQ |
-3.8pp | 16.7% | 25.1% | 20.8% | 19% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
311
+19 (+6.5%) YoY +7 (+2.3%) QoQ |
-3 | 313 | 337 | 482 | 67% |
| Assets per Employee ($) |
$12.8M
+1.0% YoY -0.2% QoQ |
+$2.3M | $10.5M | $11.3M | $8.8M | 82% |
| Branch Count |
10
0 YoY 0 QoQ |
-10 | 20 | 15 | 18 | 29% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
0.0pp YoY -0.2pp QoQ |
-0.2pp | 0.2% | 0.3% | 0.4% | 9% |
| Nonaccrual |
0.4%
-0.2pp YoY 0.0pp QoQ |
-0.4pp | 0.8% | 1.4% | 1.0% | 38% |
| Allowance Coverage |
3.16x
+55.8% YoY +73.8% QoQ |
-15.55x | 18.71x | 17.11x | 20.23x | 66% |
| Net Charge-off Rate (YTD) |
0.1%
0.0pp YoY 0.0pp QoQ |
-0.2pp | 0.3% | 0.3% | 0.2% | 58% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
14.8%
+2.4pp YoY +0.4pp QoQ |
+2.2pp | 12.6% | 8.2% | 11.6% | 72% |
| Cost of Funds (YTD) |
1.9%
-0.3pp YoY +0.1pp QoQ |
0.0pp | 1.9% | 1.9% | 1.7% | 49% |
| Net Income ($, YTD) |
$25.9M
+38.2% YoY — QoQ |
+$6.7M | $19.2M | $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 (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.