BlastPoint's Banking Scorecard
Golden State Bank
Glendale, CA
3 branches across CA
Golden State Bank has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.42% above tier average
- + Efficiency Ratio 4.49% below tier average
Key Concerns
Areas that may need attention
- - NIB Deposit Bleed: Bottom 57.6% in tier
- - Non-Interest Income / Assets 0.27% below tier average
- - ROA 0.09% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$974.3M
+9.8% YoY
+2.2% QoQ
|
+$588.2M |
$386.1M
+0.5% YoY
|
$4.7B
+7.7% YoY
|
$6.2B
+9.1% YoY
|
Top 0.8% in tier |
| Total Loans ? |
$812.6M
+8.4% YoY
+0.3% QoQ
|
+$556.9M |
$255.7M
+1.1% YoY
|
$3.2B
+8.4% YoY
|
$3.2B
+10.8% YoY
|
Top 0.2% in tier |
| Total Deposits ? |
$828.3M
+9.2% YoY
+2.1% QoQ
|
+$500.3M |
$328.0M
+0.1% YoY
|
$3.9B
+7.0% YoY
|
$4.8B
+8.2% YoY
|
Top 1.5% in tier |
| Return on Assets ? |
1.18%
+26.8% YoY
+5.6% QoQ
|
-0.09% |
1.27%
+12.9% YoY
|
1.80%
+29.4% YoY
|
1.23%
+13.4% YoY
|
48% |
| Net Interest Margin ? |
4.35%
+11.1% YoY
+7.6% QoQ
|
+0.42% |
3.93%
+6.0% YoY
|
3.85%
+3.8% YoY
|
3.89%
+5.7% YoY
|
76% |
| Efficiency Ratio ? |
60.80%
+5.2% YoY
+6.5% QoQ
|
-4.49% |
65.29%
-4.5% YoY
|
68.78%
-8.1% YoY
|
66.95%
-4.1% YoY
|
57% |
| Delinquency Rate ? |
0.87%
+292.9% YoY
-0.7% QoQ
|
-0.01% |
0.89%
+18.8% YoY
|
1.17%
+69.3% YoY
|
0.95%
+18.8% YoY
|
31% |
| Loan-to-Deposit Ratio ? |
98.11%
-0.8% YoY
-1.7% QoQ
|
+21.47% |
76.64%
+0.8% YoY
|
85.13%
+2.0% YoY
|
76.70%
+0.9% YoY
|
Bottom 10.8% in tier |
| Non-Interest-Bearing Deposit Share ? |
11.54%
-17.6% YoY
-0.7% QoQ
|
-10.48% |
22.02%
-1.0% YoY
|
25.15%
-3.9% YoY
|
22.01%
-1.2% YoY
|
Bottom 14.0% in tier |
| Nonperforming Asset Ratio ? |
0.73%
+287.8% YoY
-2.5% QoQ
|
+0.09% |
0.64%
+19.7% YoY
|
0.91%
+65.9% YoY
|
0.67%
+19.3% YoY
|
28% |
| Tier 1 Capital Ratio ? |
10.62%
+7.0% YoY
-2.2% QoQ
|
-5.21% |
15.83%
+1.5% YoY
|
21.08%
-3.4% YoY
|
17.06%
+0.8% YoY
|
18% |
| Non-Interest Income / Assets ? |
0.01%
-10.2% YoY
-79.1% QoQ
|
-0.27% |
0.28%
+9.3% YoY
|
0.70%
+11.6% YoY
|
0.32%
+4.1% YoY
|
Bottom 1.2% 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 (0)
Concerns (1)
NIB Deposit Bleed
declineNon-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.