BlastPoint's Banking Scorecard

California International Bank, N.A.

under $100M Specialty: Commercial CA FDIC cert 57974

Designations: ✓ Community bank ✓ Minority Depository Institution

Westminster, CA

537 banks in the under $100M peer group nationally 4 in CA

California International Bank, N.A. shows strong momentum with 5 strengths and 52.0% YoY asset growth

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

+ Net Interest Margin 2.23% above tier average
+ Delinquency Rate 1.36% below tier average
+ Nonperforming Asset Ratio 0.77% below tier average
+ ROA 0.46% above tier average
+ Efficiency Ratio 9.48% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

Get updates when California International Bank, N.A. releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Total Assets ?	$95.2M +52.0% YoY +4.8% QoQ	+$33.0M	$62.3M -0.5% YoY	$4.8B +7.6% YoY	$6.2B +9.0% YoY	Top 5.6% in tier
Total Loans ?	$65.0M +31.9% YoY +1.7% QoQ	+$30.8M	$34.3M -1.5% YoY	$3.3B +8.3% YoY	$3.2B +10.7% YoY	Top 7.8% in tier
Total Deposits ?	$80.9M +59.7% YoY +5.8% QoQ	+$29.1M	$51.8M -0.6% YoY	$3.9B +6.9% YoY	$4.8B +8.0% YoY	Top 7.8% in tier
Return on Assets ?	1.31% +192.1% YoY -2.8% QoQ	+0.46%	0.86% -3.6% YoY	1.75% +28.6% YoY	1.24% +13.1% YoY	68%
Net Interest Margin ?	6.10% -23.2% YoY -12.5% QoQ	+2.23%	3.87% +2.7% YoY	3.80% +3.1% YoY	3.89% +5.7% YoY	Top 1.5% in tier
Efficiency Ratio ?	78.15% -17.1% YoY -4.3% QoQ	-9.48%	87.63% +2.3% YoY	69.04% -8.1% YoY	66.84% -3.8% YoY	37%
Delinquency Rate ?	0.00%	-1.36%	1.36% +33.7% YoY	1.18% +69.8% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	80.42% -17.5% YoY -3.8% QoQ	+16.31%	64.11% -0.9% YoY	85.63% +2.0% YoY	76.69% +0.9% YoY	26%
Non-Interest-Bearing Deposit Share ?	10.12% -68.5% YoY +13.0% QoQ	-13.67%	23.79% +0.5% YoY	24.99% -4.4% YoY	22.01% -1.1% YoY	15%
Nonperforming Asset Ratio ?	0.00%	-0.77%	0.77% +28.7% YoY	0.92% +66.1% YoY	0.66% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	14.60% -48.5% YoY +5.3% QoQ	-12.18%	26.77% +2.0% YoY	21.06% -3.6% YoY	17.06% +0.8% YoY	43%
Non-Interest Income / Assets ?	0.02% -54.6% YoY -98.2% QoQ	-0.65%	0.67% +1.6% YoY	0.69% +11.1% YoY	0.32% +4.0% YoY	Bottom 14.5% in tier

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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 (0)

No matched concern signatures this quarter

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 537 peers in under $100M

Top Strengths (6 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 1.36%

#1 of 517 Top 0.1% in under $100M

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.77%

#1 of 537 Top 0.1% in under $100M

Net Interest Margin

profitability

Value: 6.10%

Peer Median: 3.87%

#9 of 537 Top 1.5% in under $100M

Total Assets

size

Value: $95.23M

Peer Median: $62.28M

#31 of 537 Top 5.6% in under $100M

Total Loans

size

Value: $65.05M

Peer Median: $34.29M

#43 of 537 Top 7.8% in under $100M

Total Deposits

size

Value: $80.88M

Peer Median: $51.83M

#43 of 537 Top 7.8% in under $100M

Top Weaknesses (2 metrics)

460

Non-Interest Income / Assets

revenue_mix

Value: 0.02%

Peer Median: 0.67%

#460 of 537 Bottom 14.5% in under $100M

457

Non-Interest-Bearing Deposit Share

funding

Value: 10.12%

Peer Median: 23.79%

#457 of 537 Bottom 15.1% in under $100M