BlastPoint's Banking Scorecard
Open Bank
Designations: ✓ Minority Depository Institution
Los Angeles, CA
17 branches across CA · CO · GA · NV · TX · WA
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 +5.0% year over year ($2.4B on the books).
- Delinquency rate 2.12%.
- Return on assets 1.20%.
- Efficiency ratio 55.81% vs a 59.73% peer average.
- Loan-to-deposit ratio 95.06% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Open Bank has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 3.91% below tier average
Key Concerns
Areas that may need attention
- - Delinquency Rate 1.25% above tier average
- - Nonperforming Asset Ratio 1.06% above tier average
- - ROA 0.19% below tier average
- - Net Interest Margin 0.64% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.7B
+7.1% YoY
+1.7% QoQ
|
-$47.3M |
$2.8B
-0.6% YoY
|
$4.9B
+8.2% YoY
|
$6.3B
+7.7% YoY
|
66% |
| Total Loans ? |
$2.3B
+9.1% YoY
+1.7% QoQ
|
+$289.0M |
$2.0B
-0.3% YoY
|
$3.3B
+8.0% YoY
|
$3.2B
+9.4% YoY
|
73% |
| Total Deposits ? |
$2.4B
+5.0% YoY
+1.8% QoQ
|
+$50.6M |
$2.3B
-0.5% YoY
|
$4.0B
+7.9% YoY
|
$4.9B
+7.3% YoY
|
67% |
| Return on Assets ? |
1.20%
+21.2% YoY
+3.9% QoQ
|
-0.19% |
1.39%
+17.0% YoY
|
1.69%
+23.4% YoY
|
1.30%
+12.1% YoY
|
45% |
| Net Interest Margin ? |
3.23%
+2.6% YoY
-1.8% QoQ
|
-0.64% |
3.87%
+6.2% YoY
|
3.84%
+2.9% YoY
|
3.95%
+4.9% YoY
|
23% |
| Efficiency Ratio ? |
55.81%
-6.2% YoY
-0.2% QoQ
|
-3.91% |
59.73%
-12.6% YoY
|
64.67%
-10.5% YoY
|
70.05%
+2.5% YoY
|
60% |
| Delinquency Rate ? |
2.12%
+91.5% YoY
-4.3% QoQ
|
+1.25% |
0.87%
+11.7% YoY
|
1.15%
+46.6% YoY
|
0.98%
+16.3% YoY
|
Bottom 7.9% in tier |
| Loan-to-Deposit Ratio ? |
95.06%
+3.9% YoY
-0.1% QoQ
|
+10.02% |
85.04%
-0.1% YoY
|
86.69%
+1.8% YoY
|
79.03%
+2.3% YoY
|
26% |
| Non-Interest-Bearing Deposit Share ? |
23.50%
-6.8% YoY
-0.4% QoQ
|
+2.23% |
21.27%
-1.5% YoY
|
25.07%
-3.4% YoY
|
21.98%
-0.6% YoY
|
66% |
| Nonperforming Asset Ratio ? |
1.74%
+85.0% YoY
-4.4% QoQ
|
+1.06% |
0.67%
+11.7% YoY
|
0.91%
+41.3% YoY
|
0.69%
+15.8% YoY
|
Bottom 7.8% in tier |
| Tier 1 Capital Ratio ? |
12.10%
+11.0% YoY
+1.4% QoQ
|
-2.74% |
14.84%
-0.4% YoY
|
20.69%
-2.9% YoY
|
17.09%
+0.8% YoY
|
35% |
| Non-Interest Income / Assets ? |
0.35%
+4.1% YoY
+135.6% QoQ
|
-0.17% |
0.53%
+2.5% YoY
|
1.26%
+3.5% YoY
|
0.66%
+5.2% YoY
|
63% |
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 |
23.5%
-1.7pp YoY -0.1pp QoQ |
+2.1pp | 21.4% | 25.5% | 22.2% | 66% |
| Brokered Deposits |
14.5%
+1.4pp YoY +0.8pp QoQ |
+5.1pp | 9.5% | 11.0% | 8.5% | 81% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
6.2%
0.0pp YoY +0.2pp QoQ |
-7.8pp | 14.0% | 11.8% | 12.5% | 24% |
| CRE | n/a | n/a | 50.0% | 67.5% | 41.4% | n/a |
| 1-4 Family |
28.6%
-3.6pp YoY +0.4pp QoQ |
+2.2pp | 26.4% | 16.5% | 31.3% | 63% |
| Consumer |
0.0%
0.0pp YoY 0.0pp QoQ |
-4.7pp | 4.7% | 5.3% | 5.0% | 4% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
12.1%
+1.2pp YoY +0.2pp QoQ |
-3.5pp | 15.6% | 23.7% | 19.7% | 26% |
| Leverage Ratio |
10.1%
+1.3pp YoY +0.1pp QoQ |
-1.2pp | 11.3% | 14.5% | 12.6% | 40% |
| Total Capital Ratio |
13.3%
+1.2pp YoY +0.2pp QoQ |
-3.3pp | 16.7% | 25.1% | 20.8% | 28% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
256
+19 (+8.0%) YoY +3 (+1.2%) QoQ |
-58 | 313 | 337 | 482 | 56% |
| Assets per Employee ($) |
$10.7M
-0.8% YoY +0.5% QoQ |
+$245K | $10.5M | $11.3M | $8.8M | 70% |
| Branch Count |
17
+1 (+6.2%) YoY 0 QoQ |
-3 | 20 | 15 | 18 | 57% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | 0.0% | -0.1pp | 0.2% | 0.3% | 0.4% | 56% |
| Nonaccrual |
2.1%
+1.0pp YoY -0.1pp QoQ |
+1.3pp | 0.8% | 1.4% | 1.0% | 93% |
| Allowance Coverage |
0.59x
-48.8% YoY +1.7% QoQ |
-18.12x | 18.71x | 17.11x | 20.23x | 9% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.3pp | 0.3% | 0.3% | 0.2% | 33% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
12.6%
+0.7pp YoY +0.4pp QoQ |
0.0pp | 12.6% | 8.2% | 11.6% | 53% |
| Cost of Funds (YTD) |
2.7%
-0.3pp YoY 0.0pp QoQ |
+0.8pp | 1.9% | 1.9% | 1.7% | 90% |
| Net Income ($, YTD) |
$16.2M
+31.8% YoY — QoQ |
-$3.0M | $19.2M | $28.5M | $40.4M | 63% |
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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.