BlastPoint

BlastPoint's Banking Scorecard

California International Bank, N.A.

$100M-$1B Specialty: Commercial CA FDIC cert 57974

Designations: ✓ Minority Depository Institution

Westminster, 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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 53 in CA.
  • Deposits +68.7% year over year ($105.9M on the books).
  • Delinquency rate 0.00%.
  • Return on assets 1.71%.
  • Efficiency ratio 73.16% vs a 64.48% peer average.
  • Loan-to-deposit ratio 76.71% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 53 in CA
View $100M-$1B leaderboard (CA) →

California International Bank, N.A. has 4 strengths but faces 3 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

  • + Profitability Leader: Top 17.4% in tier
  • + Credit Quality Leader: Top 48.4% in tier
  • + Net Interest Margin 2.49% above tier average
  • + Nonperforming Asset Ratio 0.67% below tier average

Key Concerns

Areas that may need attention

  • - NIB Deposit Bleed: Bottom 6.2% in tier
  • - Non-Interest Income / Assets 0.53% below tier average
  • - Efficiency Ratio 8.68% above tier average
Get updates when California International Bank, N.A. releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Total Assets ? $120.9M
+61.2% YoY +27.0% QoQ
-$265.7M $386.6M
+1.2% YoY
$4.9B
+8.2% YoY
$6.3B
+7.7% YoY
Bottom 5.9% in tier
Total Loans ? $81.2M
+39.7% YoY +24.9% QoQ
-$177.1M $258.3M
+1.7% YoY
$3.3B
+8.0% YoY
$3.2B
+9.4% YoY
Bottom 11.0% in tier
Total Deposits ? $105.9M
+68.7% YoY +30.9% QoQ
-$220.8M $326.7M
+0.7% YoY
$4.0B
+7.9% YoY
$4.9B
+7.3% YoY
Bottom 7.4% in tier
Return on Assets ? 1.71%
+86.8% YoY +30.7% QoQ
+0.39% 1.32%
+10.8% YoY
1.69%
+23.4% YoY
1.30%
+12.1% YoY
76%
Net Interest Margin ? 6.48%
-12.5% YoY +6.3% QoQ
+2.49% 3.99%
+5.0% YoY
3.84%
+2.9% YoY
3.95%
+4.9% YoY
Top 0.9% in tier
Efficiency Ratio ? 73.16%
-16.3% YoY -6.4% QoQ
+8.68% 64.48%
-3.2% YoY
64.67%
-10.5% YoY
70.05%
+2.5% YoY
23%
Delinquency Rate ? 0.00% -0.92% 0.92%
+15.7% YoY
1.15%
+46.6% YoY
0.98%
+16.3% YoY
Top 0.1% in tier
Loan-to-Deposit Ratio ? 76.71%
-17.2% YoY -4.6% QoQ
-1.24% 77.95%
+1.0% YoY
86.69%
+1.8% YoY
79.03%
+2.3% YoY
56%
Non-Interest-Bearing Deposit Share ? 9.28%
-61.8% YoY -8.3% QoQ
-12.75% 22.03%
-0.6% YoY
25.07%
-3.4% YoY
21.98%
-0.6% YoY
Bottom 9.2% in tier
Nonperforming Asset Ratio ? 0.00% -0.67% 0.67%
+16.4% YoY
0.91%
+41.3% YoY
0.69%
+15.8% YoY
Top 0.1% in tier
Tier 1 Capital Ratio ? 13.51%
-44.4% YoY -7.4% QoQ
-2.39% 15.91%
+1.4% YoY
20.69%
-2.9% YoY
17.09%
+0.8% YoY
53%
Non-Interest Income / Assets ? 0.04%
-46.7% YoY +93.0% QoQ
-0.53% 0.57%
+7.6% YoY
1.26%
+3.5% YoY
0.66%
+5.2% YoY
Bottom 4.2% in tier

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 9.3%
-15.0pp YoY
-0.8pp QoQ
 -12.9pp 22.1% 25.5% 22.2% 9%
Brokered Deposits 13.1%
-7.6pp YoY
-0.3pp QoQ
 +5.3pp 7.9% 11.0% 8.5% 82%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
C&I 7.1%
-6.1pp YoY
-2.1pp QoQ
 -4.4pp 11.6% 11.8% 12.5% 34%
CRE 91.0%
+8.9pp YoY
+2.5pp QoQ
 +51.5pp 39.5% 67.5% 41.4% 100%
1-4 Family 2.3%
-2.9pp YoY
-0.5pp QoQ
 -30.3pp 32.6% 16.5% 31.3% 2%
Consumer n/a n/a 4.1% 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 18.8% 23.7% 19.7% n/a
Leverage Ratio 13.5%
-3.6pp YoY
-1.1pp QoQ
 +1.3pp 12.2% 14.5% 12.6% 78%
Total Capital Ratio n/a n/a 19.9% 25.1% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Full-Time Employees 17
0 YoY
0 QoQ
 -42 58 337 482 7%
Assets per Employee ($) $7.1M
+61.2% YoY
+27.0% QoQ
 -$406K $7.5M $11.3M $8.8M 54%
Branch Count 1
0 YoY
0 QoQ
 -4 4 15 18 0%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.3% 0.4% n/a
Nonaccrual n/a n/a 0.9% 1.4% 1.0% n/a
Allowance Coverage n/a n/a 24.15x 17.11x 20.23x n/a
Net Charge-off Rate (YTD) n/a n/a 0.1% 0.3% 0.2% n/a

Profitability

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
ROE 13.2%
+8.0pp YoY
+3.9pp QoQ
 +1.0pp 12.2% 8.2% 11.6% 57%
Cost of Funds (YTD) 2.1%
+0.3pp YoY
-0.1pp QoQ
 +0.3pp 1.7% 1.9% 1.7% 74%
Net Income ($, YTD) $877,000
+192.3% YoY
— QoQ
 -$1.7M $2.6M $28.5M $40.4M 23%

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 (2)

Profitability Leader

growth
#116 of 661 • Top 17.4% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature
Return on Assets: 1.71%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable

Credit Quality Leader

growth
#320 of 659 • Top 48.4% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature
Delinquency Rate: 0.00%
(Tier: 0.92%, National: 0.98%)
better than tier avg
659 of 659 Community banks match · 920 nationally
→ Stable +1 banks QoQ

Concerns (1)

NIB Deposit Bleed

decline
#11 of 162 • Bottom 6.2% in tier

Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.

Why this signature
Noninterest-Bearing Deposit Share: 9.28%
(Tier: 22.03%, National: 21.98%)
worse than tier avg
162 of 162 Community banks match · 211 nationally
↓ Shrinking -26 banks QoQ

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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (4 metrics)

1
Delinquency Rate
credit_quality
Value: 0.00%
Peer Median: 0.92%
#1 of 2633 Top 0.1% in $100M-$1B
1
Nonperforming Asset Ratio
credit_quality
Value: 0.00%
Peer Median: 0.67%
#1 of 2643 Top 0.1% in $100M-$1B
25
Net Interest Margin
profitability
Value: 6.48%
Peer Median: 3.99%
#25 of 2643 Top 0.9% in $100M-$1B
624
Return on Assets
profitability
Value: 1.71%
Peer Median: 1.32%
#624 of 2643 Top 23.6% in $100M-$1B

Top Weaknesses (6 metrics)

2534
Non-Interest Income / Assets
revenue_mix
Value: 0.04%
Peer Median: 0.57%
#2534 of 2643 Bottom 4.2% in $100M-$1B
2487
Total Assets
size
Value: $120.90M
Peer Median: $386.57M
#2487 of 2643 Bottom 5.9% in $100M-$1B
2449
Total Deposits
size
Value: $105.91M
Peer Median: $326.73M
#2449 of 2643 Bottom 7.4% in $100M-$1B
2400
Non-Interest-Bearing Deposit Share
funding
Value: 9.28%
Peer Median: 22.03%
#2400 of 2643 Bottom 9.2% in $100M-$1B
2354
Total Loans
size
Value: $81.25M
Peer Median: $258.35M
#2354 of 2643 Bottom 11.0% in $100M-$1B
2025
Efficiency Ratio
profitability
Value: 73.16%
Peer Median: 64.48%
#2025 of 2643 Bottom 23.4% in $100M-$1B
Powered by BlastPoint © 2026