BlastPoint's Banking Scorecard

PCB Bank

$1B-$10B Specialty: Commercial CA FDIC cert 57463

Designations: ✓ Minority Depository Institution

Los Angeles, CA

19 branches across CA · NJ · TX · GA · NY

884 banks in the $1B-$10B peer group nationally 49 in CA

PCB Bank has 2 strengths but faces 5 concerns

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

+ Efficiency Ratio 12.97% below tier average
+ Delinquency Rate 0.60% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 15.6% in tier
- Credit Risk Growth: Bottom 17.4% in tier
- Liquidity Strain: Bottom 41.6% in tier
- ROA 0.07% below tier average
- Net Interest Margin 0.47% below tier average

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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 ?	$3.4B +6.7% YoY +3.5% QoQ	+$579.4M	$2.8B -0.1% YoY	$4.7B +7.7% YoY	$6.2B +9.1% YoY	76%
Total Loans ?	$2.8B +5.0% YoY +1.6% QoQ	+$878.4M	$2.0B +0.6% YoY	$3.2B +8.4% YoY	$3.2B +10.8% YoY	81%
Total Deposits ?	$2.9B +6.4% YoY +3.3% QoQ	+$555.4M	$2.3B -0.3% YoY	$3.9B +7.0% YoY	$4.8B +8.2% YoY	76%
Return on Assets ?	1.30% +27.9% YoY +9.7% QoQ	-0.07%	1.37% +19.6% YoY	1.80% +29.4% YoY	1.23% +13.4% YoY	56%
Net Interest Margin ?	3.35% +2.9% YoY -0.1% QoQ	-0.47%	3.82% +6.9% YoY	3.85% +3.8% YoY	3.89% +5.7% YoY	32%
Efficiency Ratio ?	48.09% -9.1% YoY -3.9% QoQ	-12.97%	61.06% -4.6% YoY	68.78% -8.1% YoY	66.95% -4.1% YoY	83%
Delinquency Rate ?	0.29% +24.8% YoY +1.9% QoQ	-0.60%	0.89% +14.1% YoY	1.17% +69.3% YoY	0.95% +18.8% YoY	71%
Loan-to-Deposit Ratio ?	98.09% -1.4% YoY -1.7% QoQ	+13.88%	84.20% +0.3% YoY	85.13% +2.0% YoY	76.70% +0.9% YoY	17%
Non-Interest-Bearing Deposit Share ?	20.05% -4.8% YoY -0.7% QoQ	-1.24%	21.29% -2.5% YoY	25.15% -3.9% YoY	22.01% -1.2% YoY	53%
Nonperforming Asset Ratio ?	0.24% +22.8% YoY -0.0% QoQ	-0.43%	0.67% +15.6% YoY	0.91% +65.9% YoY	0.67% +19.3% YoY	69%
Tier 1 Capital Ratio ?	13.46% +0.3% YoY -0.2% QoQ	-1.70%	15.16% +2.0% YoY	21.08% -3.4% YoY	17.06% +0.8% YoY	56%
Non-Interest Income / Assets ?	0.10% +20.4% YoY -72.6% QoQ	-0.16%	0.26% +1.6% YoY	0.70% +11.6% YoY	0.32% +4.1% YoY	31%

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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 (3)

Credit Quality Pressure

risk

#81 of 513 • Bottom 15.6% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.29%

(Tier: 0.89%, National: 0.95%)

better than tier avg

513 of 513 Mid-Market banks match · 1899 nationally

→ Stable +2 banks QoQ | QoQ rank improving

Credit Risk Growth

risk

#74 of 420 • Bottom 17.4% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

420 of 420 Mid-Market banks match · 1464 nationally

→ Stable -10 banks QoQ | QoQ rank improving

Liquidity Strain

risk

#140 of 334 • Bottom 41.6% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 98.09%

(Tier: 84.20%, National: 76.70%)

worse than tier avg

334 of 334 Mid-Market banks match · 1013 nationally

→ Stable -50 banks QoQ | QoQ rank improving

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 884 peers in $1B-$10B

Top Strengths (4 metrics)

151

Efficiency Ratio

profitability

Value: 48.09%

Peer Median: 61.06%

#151 of 884 Top 17.0% in $1B-$10B

172

Total Loans

size

Value: $2.84B

Peer Median: $1.96B

#172 of 884 Top 19.3% in $1B-$10B

210

Total Deposits

size

Value: $2.90B

Peer Median: $2.34B

#210 of 884 Top 23.6% in $1B-$10B

216

Total Assets

size

Value: $3.40B

Peer Median: $2.82B

#216 of 884 Top 24.3% in $1B-$10B

Top Weaknesses (1 metrics)

735

Loan-to-Deposit Ratio

liquidity

Value: 98.09%

Peer Median: 84.20%

#735 of 884 Bottom 17.0% in $1B-$10B