BlastPoint's Banking Scorecard

Commonwealth Business Bank

$1B-$10B Specialty: Commercial CA FDIC cert 57873

Designations: ✓ Community bank ✓ Minority Depository Institution

Los Angeles, CA

13 branches across CA · HI · TX · NJ · NY

883 banks in the $1B-$10B peer group nationally 48 in CA

Commonwealth Business Bank has 1 strength but faces 4 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 7.24% below tier average

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 11.9% in tier
- Liquidity Overhang: Bottom 36.8% in tier
- ROA 0.20% below tier average
- Net Interest Margin 0.74% below tier average

Get updates when Commonwealth Business Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Total Assets ?	$2.0B +9.7% YoY -0.8% QoQ	-$826.8M	$2.8B -0.1% YoY	$4.8B +7.6% YoY	$6.2B +9.0% YoY	50%
Total Loans ?	$1.4B +1.0% YoY +0.2% QoQ	-$516.3M	$2.0B +0.6% YoY	$3.3B +8.3% YoY	$3.2B +10.7% YoY	52%
Total Deposits ?	$1.7B +14.1% YoY -1.2% QoQ	-$658.2M	$2.3B -0.3% YoY	$3.9B +6.9% YoY	$4.8B +8.0% YoY	51%
Return on Assets ?	1.16% +14.4% YoY +18.2% QoQ	-0.20%	1.37% +19.6% YoY	1.75% +28.6% YoY	1.24% +13.1% YoY	45%
Net Interest Margin ?	3.08% -9.3% YoY -9.0% QoQ	-0.74%	3.82% +6.9% YoY	3.80% +3.1% YoY	3.89% +5.7% YoY	20%
Efficiency Ratio ?	53.82% -9.0% YoY -10.4% QoQ	-7.24%	61.05% -4.6% YoY	69.04% -8.1% YoY	66.84% -3.8% YoY	67%
Delinquency Rate ?	1.70% +21.7% YoY +9.9% QoQ	+0.81%	0.89% +14.1% YoY	1.18% +69.8% YoY	0.95% +18.8% YoY	Bottom 11.9% in tier
Loan-to-Deposit Ratio ?	85.96% -11.5% YoY +1.5% QoQ	+1.76%	84.20% +0.3% YoY	85.63% +2.0% YoY	76.69% +0.9% YoY	51%
Non-Interest-Bearing Deposit Share ?	18.39% -8.7% YoY +3.4% QoQ	-2.89%	21.28% -2.5% YoY	24.99% -4.4% YoY	22.01% -1.1% YoY	42%
Nonperforming Asset Ratio ?	1.52% +19.1% YoY +9.0% QoQ	+0.85%	0.67% +15.6% YoY	0.92% +66.1% YoY	0.66% +19.3% YoY	Bottom 11.0% in tier
Tier 1 Capital Ratio ?	19.22% +0.9% YoY +1.1% QoQ	+4.06%	15.17% +2.0% YoY	21.06% -3.6% YoY	17.06% +0.8% YoY	Top 9.2% in tier
Non-Interest Income / Assets ?	0.18% +56.8% YoY -53.3% QoQ	-0.07%	0.26% +1.6% YoY	0.69% +11.1% YoY	0.32% +4.0% YoY	66%

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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 (2)

Credit Risk Growth

risk

#51 of 419 • Bottom 11.9% in tier

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

419 of 419 Mid-Market banks match · 1462 nationally

→ Stable -11 banks QoQ

Liquidity Overhang

risk

#65 of 174 • Bottom 36.8% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature

Tier 1 Capital Ratio: 19.22%

(Tier: 15.17%, National: 17.06%)

better than tier avg

Loan-to-Deposit Ratio: 85.96%

(Tier: 84.20%, National: 76.69%)

worse than tier avg

174 of 174 Mid-Market banks match · 939 nationally

→ Stable +14 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 883 peers in $1B-$10B

Top Strengths (1 metrics)

Tier 1 Capital Ratio

capital

Value: 19.22%

Peer Median: 15.17%

#82 of 883 Top 9.2% in $1B-$10B

Top Weaknesses (3 metrics)

787

Nonperforming Asset Ratio

credit_quality

Value: 1.52%

Peer Median: 0.67%

#787 of 883 Bottom 11.0% in $1B-$10B

775

Delinquency Rate

credit_quality

Value: 1.70%

Peer Median: 0.89%

#775 of 879 Bottom 11.9% in $1B-$10B

707

Net Interest Margin

profitability

Value: 3.08%

Peer Median: 3.82%

#707 of 883 Bottom 20.0% in $1B-$10B