BlastPoint's Banking Scorecard
Open Bank
Designations: ✓ Minority Depository Institution
Los Angeles, CA
17 branches across CA · CO · GA · NV · TX · WA
Open Bank has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 5.14% below tier average
Key Concerns
Areas that may need attention
- - Delinquency Rate 1.33% above tier average
- - Nonperforming Asset Ratio 1.14% above tier average
- - ROA 0.21% below tier average
- - Net Interest Margin 0.53% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.7B
+7.4% YoY
+1.8% QoQ
|
-$116.3M |
$2.8B
-0.1% YoY
|
$4.7B
+7.7% YoY
|
$6.2B
+9.1% YoY
|
65% |
| Total Loans ? |
$2.2B
+9.5% YoY
+1.8% QoQ
|
+$250.5M |
$2.0B
+0.6% YoY
|
$3.2B
+8.4% YoY
|
$3.2B
+10.8% YoY
|
72% |
| Total Deposits ? |
$2.3B
+6.2% YoY
+2.0% QoQ
|
-$15.2M |
$2.3B
-0.3% YoY
|
$3.9B
+7.0% YoY
|
$4.8B
+8.2% YoY
|
67% |
| Return on Assets ? |
1.16%
+22.8% YoY
+10.2% QoQ
|
-0.21% |
1.37%
+19.6% YoY
|
1.80%
+29.4% YoY
|
1.23%
+13.4% YoY
|
45% |
| Net Interest Margin ? |
3.29%
+9.7% YoY
+1.3% QoQ
|
-0.53% |
3.82%
+6.9% YoY
|
3.85%
+3.8% YoY
|
3.89%
+5.7% YoY
|
29% |
| Efficiency Ratio ? |
55.92%
-8.5% YoY
-3.1% QoQ
|
-5.14% |
61.06%
-4.6% YoY
|
68.78%
-8.1% YoY
|
66.95%
-4.1% YoY
|
61% |
| Delinquency Rate ? |
2.22%
+71.8% YoY
+37.8% QoQ
|
+1.33% |
0.89%
+14.1% YoY
|
1.17%
+69.3% YoY
|
0.95%
+18.8% YoY
|
Bottom 8.2% in tier |
| Loan-to-Deposit Ratio ? |
95.16%
+3.1% YoY
-0.3% QoQ
|
+10.95% |
84.20%
+0.3% YoY
|
85.13%
+2.0% YoY
|
76.70%
+0.9% YoY
|
24% |
| Non-Interest-Bearing Deposit Share ? |
23.59%
-7.0% YoY
+2.1% QoQ
|
+2.30% |
21.29%
-2.5% YoY
|
25.15%
-3.9% YoY
|
22.01%
-1.2% YoY
|
67% |
| Nonperforming Asset Ratio ? |
1.82%
+67.2% YoY
+37.7% QoQ
|
+1.14% |
0.67%
+15.6% YoY
|
0.91%
+65.9% YoY
|
0.67%
+19.3% YoY
|
Bottom 7.7% in tier |
| Tier 1 Capital Ratio ? |
11.93%
+8.6% YoY
-0.9% QoQ
|
-3.23% |
15.16%
+2.0% YoY
|
21.08%
-3.4% YoY
|
17.06%
+0.8% YoY
|
30% |
| Non-Interest Income / Assets ? |
0.15%
-20.7% YoY
-75.4% QoQ
|
-0.11% |
0.26%
+1.6% YoY
|
0.70%
+11.6% YoY
|
0.32%
+4.1% YoY
|
54% |
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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.