BlastPoint's Banking Scorecard
Golden State Bank
Designations: ✓ Community bank
Glendale, CA
3 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 +8.6% year over year ($856.6M on the books).
- Delinquency rate 0.84%.
- Return on assets 1.26%.
- Efficiency ratio 58.17% vs a 59.73% peer average.
- Loan-to-deposit ratio 98.86% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Golden State Bank has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.44% above tier average
- + Efficiency Ratio 1.56% below tier average
Key Concerns
Areas that may need attention
- - Non-Interest Income / Assets 0.49% below tier average
- - ROA 0.13% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.0B
+8.9% YoY
+2.7% QoQ
|
-$1.8B |
$2.8B
-0.6% YoY
|
$4.9B
+8.2% YoY
|
$6.3B
+7.7% YoY
|
Bottom 0.1% in tier |
| Total Loans ? |
$846.8M
+9.3% YoY
+4.2% QoQ
|
-$1.1B |
$2.0B
-0.3% YoY
|
$3.3B
+8.0% YoY
|
$3.2B
+9.4% YoY
|
18% |
| Total Deposits ? |
$856.6M
+8.6% YoY
+3.4% QoQ
|
-$1.5B |
$2.3B
-0.5% YoY
|
$4.0B
+7.9% YoY
|
$4.9B
+7.3% YoY
|
Bottom 4.2% in tier |
| Return on Assets ? |
1.26%
+18.5% YoY
+7.1% QoQ
|
-0.13% |
1.39%
+17.0% YoY
|
1.69%
+23.4% YoY
|
1.30%
+12.1% YoY
|
50% |
| Net Interest Margin ? |
4.31%
+8.6% YoY
-1.0% QoQ
|
+0.44% |
3.87%
+6.2% YoY
|
3.84%
+2.9% YoY
|
3.95%
+4.9% YoY
|
81% |
| Efficiency Ratio ? |
58.17%
+4.3% YoY
-4.3% QoQ
|
-1.56% |
59.73%
-12.6% YoY
|
64.67%
-10.5% YoY
|
70.05%
+2.5% YoY
|
53% |
| Delinquency Rate ? |
0.84%
-44.8% YoY
-4.3% QoQ
|
-0.03% |
0.87%
+11.7% YoY
|
1.15%
+46.6% YoY
|
0.98%
+16.3% YoY
|
34% |
| Loan-to-Deposit Ratio ? |
98.86%
+0.7% YoY
+0.8% QoQ
|
+13.82% |
85.04%
-0.1% YoY
|
86.69%
+1.8% YoY
|
79.03%
+2.3% YoY
|
17% |
| Non-Interest-Bearing Deposit Share ? |
18.90%
+42.8% YoY
+63.8% QoQ
|
-2.37% |
21.27%
-1.5% YoY
|
25.07%
-3.4% YoY
|
21.98%
-0.6% YoY
|
45% |
| Nonperforming Asset Ratio ? |
0.71%
-44.6% YoY
-2.9% QoQ
|
+0.03% |
0.67%
+11.7% YoY
|
0.91%
+41.3% YoY
|
0.69%
+15.8% YoY
|
32% |
| Tier 1 Capital Ratio ? |
11.04%
+13.5% YoY
+3.9% QoQ
|
-3.81% |
14.84%
-0.4% YoY
|
20.69%
-2.9% YoY
|
17.09%
+0.8% YoY
|
19% |
| Non-Interest Income / Assets ? |
0.04%
+125.3% YoY
+434.4% QoQ
|
-0.49% |
0.53%
+2.5% YoY
|
1.26%
+3.5% YoY
|
0.66%
+5.2% YoY
|
Bottom 2.5% in tier |
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 |
18.9%
+5.7pp YoY +7.4pp QoQ |
-2.5pp | 21.4% | 25.5% | 22.2% | 44% |
| Brokered Deposits |
4.0%
-7.7pp YoY -1.3pp QoQ |
-5.5pp | 9.5% | 11.0% | 8.5% | 41% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
17.1%
+6.1pp YoY +2.5pp QoQ |
+3.1pp | 14.0% | 11.8% | 12.5% | 73% |
| CRE |
78.8%
-5.5pp YoY -2.4pp QoQ |
+28.7pp | 50.0% | 67.5% | 41.4% | 95% |
| 1-4 Family |
3.9%
-0.1pp YoY 0.0pp QoQ |
-22.6pp | 26.4% | 16.5% | 31.3% | 6% |
| Consumer | n/a | n/a | 4.7% | 5.3% | 5.0% | n/a |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 15.6% | 23.7% | 19.7% | n/a |
| Leverage Ratio |
11.0%
+1.3pp YoY +0.4pp QoQ |
-0.3pp | 11.3% | 14.5% | 12.6% | 61% |
| Total Capital Ratio | n/a | n/a | 16.7% | 25.1% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
81
+11 (+15.7%) YoY +4 (+5.2%) QoQ |
-233 | 313 | 337 | 482 | 4% |
| Assets per Employee ($) |
$12.3M
-5.9% YoY -2.4% QoQ |
+$1.9M | $10.5M | $11.3M | $8.8M | 80% |
| Branch Count |
3
0 YoY 0 QoQ |
-17 | 20 | 15 | 18 | 8% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.2% | 0.3% | 0.4% | n/a |
| Nonaccrual |
0.8%
-0.7pp YoY 0.0pp QoQ |
0.0pp | 0.8% | 1.4% | 1.0% | 68% |
| Allowance Coverage |
1.59x
+77.4% YoY +2.9% QoQ |
-17.12x | 18.71x | 17.11x | 20.23x | 40% |
| Net Charge-off Rate (YTD) |
-0.0%
0.0pp YoY 0.0pp QoQ |
-0.3pp | 0.3% | 0.3% | 0.2% | 10% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
11.6%
+0.5pp YoY +0.7pp QoQ |
-1.0pp | 12.6% | 8.2% | 11.6% | 47% |
| Cost of Funds (YTD) |
2.8%
-0.2pp YoY 0.0pp QoQ |
+0.9pp | 1.9% | 1.9% | 1.7% | 93% |
| Net Income ($, YTD) |
$6.1M
+31.3% YoY — QoQ |
-$13.1M | $19.2M | $28.5M | $40.4M | 18% |
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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.