BlastPoint's Banking Scorecard

California Business Bank

$100M-$1B Specialty: Commercial CA FDIC cert 58037

Designations: ✓ Minority Depository Institution

Irvine, CA

2664 banks in the $100M-$1B peer group nationally 53 in CA

California Business Bank 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

+ Revenue Diversifier: Top 23.0% in tier
+ Non-Interest-Bearing Deposit Share 13.41% above tier average
+ Net Interest Margin 0.18% above tier average
+ Delinquency Rate 0.39% below tier average

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 22.1% in tier
- Efficiency Drag: Bottom 43.2% in tier
- ROA 0.54% below tier average

Get updates when California 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 ?	$122.2M +11.2% YoY +0.2% QoQ	-$263.9M	$386.1M +0.5% YoY	$4.7B +7.7% YoY	$6.2B +9.1% YoY	Bottom 6.6% in tier
Total Loans ?	$94.2M +10.7% YoY +5.6% QoQ	-$161.5M	$255.7M +1.1% YoY	$3.2B +8.4% YoY	$3.2B +10.8% YoY	18%
Total Deposits ?	$100.4M +12.8% YoY -0.0% QoQ	-$227.6M	$328.0M +0.1% YoY	$3.9B +7.0% YoY	$4.8B +8.2% YoY	Bottom 5.8% in tier
Return on Assets ?	0.73% +5.1% YoY -2.0% QoQ	-0.54%	1.27% +12.9% YoY	1.80% +29.4% YoY	1.23% +13.4% YoY	22%
Net Interest Margin ?	4.11% -0.2% YoY -3.1% QoQ	+0.18%	3.93% +6.0% YoY	3.85% +3.8% YoY	3.89% +5.7% YoY	64%
Efficiency Ratio ?	86.69% -0.9% YoY +0.1% QoQ	+21.40%	65.29% -4.5% YoY	68.78% -8.1% YoY	66.95% -4.1% YoY	Bottom 9.0% in tier
Delinquency Rate ?	0.50% -77.8% YoY -79.2% QoQ	-0.39%	0.89% +18.8% YoY	1.17% +69.3% YoY	0.95% +18.8% YoY	46%
Loan-to-Deposit Ratio ?	93.87% -1.8% YoY +5.6% QoQ	+17.24%	76.64% +0.8% YoY	85.13% +2.0% YoY	76.70% +0.9% YoY	17%
Non-Interest-Bearing Deposit Share ?	35.43% +14.5% YoY +20.1% QoQ	+13.41%	22.02% -1.0% YoY	25.15% -3.9% YoY	22.01% -1.2% YoY	Top 9.4% in tier
Nonperforming Asset Ratio ?	0.38% -77.9% YoY -78.1% QoQ	-0.26%	0.64% +19.7% YoY	0.91% +65.9% YoY	0.67% +19.3% YoY	44%
Tier 1 Capital Ratio ?	19.21% +2.1% YoY +6.7% QoQ	+3.38%	15.83% +1.5% YoY	21.08% -3.4% YoY	17.06% +0.8% YoY	85%
Non-Interest Income / Assets ?	0.42% -1.6% YoY -72.9% QoQ	+0.14%	0.28% +9.3% YoY	0.70% +11.6% YoY	0.32% +4.1% YoY	Top 4.2% 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 (1)

Revenue Diversifier

growth

#154 of 666 • Top 23.0% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 0.42%

(Tier: 0.28%, National: 0.32%)

better than tier avg

Return on Assets: 0.73%

(Tier: 1.27%, National: 1.23%)

but worse than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Concerns (2)

Liquidity Overhang

risk

#164 of 739 • Bottom 22.1% 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: 19.21%

(Tier: 15.83%, National: 17.06%)

better than tier avg

Loan-to-Deposit Ratio: 93.87%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

739 of 739 Community banks match · 939 nationally

→ Stable +13 banks QoQ | QoQ rank improving

Efficiency Drag

risk

#180 of 414 • Bottom 43.2% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature

Efficiency Ratio: 86.69%

(Tier: 65.29%, National: 66.95%)

worse than tier avg

414 of 414 Community banks match · 492 nationally

→ Stable | 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 2664 peers in $100M-$1B

Top Strengths (3 metrics)

113

Non-Interest Income / Assets

revenue_mix

Value: 0.42%

Peer Median: 0.28%

#113 of 2664 Top 4.2% in $100M-$1B

251

Non-Interest-Bearing Deposit Share

funding

Value: 35.43%

Peer Median: 22.02%

#251 of 2664 Top 9.4% in $100M-$1B

404

Tier 1 Capital Ratio

capital

Value: 19.21%

Peer Median: 15.83%

#404 of 2664 Top 15.1% in $100M-$1B

Top Weaknesses (6 metrics)

2510

Total Deposits

size

Value: $100.38M

Peer Median: $327.97M

#2510 of 2664 Bottom 5.8% in $100M-$1B

2490

Total Assets

size

Value: $122.23M

Peer Median: $386.08M

#2490 of 2664 Bottom 6.6% in $100M-$1B

2426

Efficiency Ratio

profitability

Value: 86.69%

Peer Median: 65.29%

#2426 of 2664 Bottom 9.0% in $100M-$1B

2219

Loan-to-Deposit Ratio

liquidity

Value: 93.87%

Peer Median: 76.64%

#2219 of 2664 Bottom 16.7% in $100M-$1B

2198

Total Loans

size

Value: $94.23M

Peer Median: $255.72M

#2198 of 2664 Bottom 17.5% in $100M-$1B

2068

Return on Assets

profitability

Value: 0.73%

Peer Median: 1.27%

#2068 of 2664 Bottom 22.4% in $100M-$1B