BlastPoint's Banking Scorecard

Bank of San Francisco

$100M-$1B Specialty: Commercial CA FDIC cert 58069

San Francisco, CA

2 branches across CA

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

Bank of San Francisco has 3 strengths but faces 2 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

+ Deposit Franchise: Top 39.3% in tier
+ Efficiency Ratio 2.05% below tier average
+ Delinquency Rate 0.75% below tier average

Key Concerns

Areas that may need attention

- Non-Interest Income / Assets 0.26% below tier average
- ROA 0.20% below tier average

Get updates when Bank of San Francisco releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Total Assets ?	$767.5M +20.1% YoY +4.7% QoQ	+$381.4M	$386.1M +0.5% YoY	$4.7B +7.7% YoY	$6.2B +9.1% YoY	Top 9.8% in tier
Total Loans ?	$629.3M +20.1% YoY +2.3% QoQ	+$373.5M	$255.7M +1.1% YoY	$3.2B +8.4% YoY	$3.2B +10.8% YoY	Top 5.0% in tier
Total Deposits ?	$670.0M +21.0% YoY +5.1% QoQ	+$342.0M	$328.0M +0.1% YoY	$3.9B +7.0% YoY	$4.8B +8.2% YoY	Top 8.7% in tier
Return on Assets ?	1.07% +53.3% YoY +6.4% QoQ	-0.20%	1.27% +12.9% YoY	1.80% +29.4% YoY	1.23% +13.4% YoY	43%
Net Interest Margin ?	4.54% +8.6% YoY +1.8% QoQ	+0.61%	3.93% +6.0% YoY	3.85% +3.8% YoY	3.89% +5.7% YoY	83%
Efficiency Ratio ?	63.24% -11.3% YoY -0.6% QoQ	-2.05%	65.29% -4.5% YoY	68.78% -8.1% YoY	66.95% -4.1% YoY	50%
Delinquency Rate ?	0.13% -40.2% YoY +22.2% QoQ	-0.75%	0.89% +18.8% YoY	1.17% +69.3% YoY	0.95% +18.8% YoY	70%
Loan-to-Deposit Ratio ?	93.92% -0.8% YoY -2.7% QoQ	+17.28%	76.64% +0.8% YoY	85.13% +2.0% YoY	76.70% +0.9% YoY	17%
Non-Interest-Bearing Deposit Share ?	41.25% +14.3% YoY -0.9% QoQ	+19.23%	22.02% -1.0% YoY	25.15% -3.9% YoY	22.01% -1.2% YoY	Top 3.9% in tier
Nonperforming Asset Ratio ?	0.11% -40.2% YoY +19.4% QoQ	-0.53%	0.64% +19.7% YoY	0.91% +65.9% YoY	0.67% +19.3% YoY	69%
Tier 1 Capital Ratio ?	15.59% -14.2% YoY -3.4% QoQ	-0.24%	15.83% +1.5% YoY	21.08% -3.4% YoY	17.06% +0.8% YoY	70%
Non-Interest Income / Assets ?	0.02% -22.4% YoY -75.8% QoQ	-0.26%	0.28% +9.3% YoY	0.70% +11.6% YoY	0.32% +4.1% YoY	Bottom 4.4% 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)

Deposit Franchise

growth

#108 of 272 • Top 39.3% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature

Noninterest-Bearing Deposit Share: 41.25%

(Tier: 22.02%, National: 22.01%)

better than tier avg

Net Interest Margin: 4.54%

(Tier: 3.93%, National: 3.89%)

better than tier avg

272 of 272 Community banks match · 369 nationally

→ Stable -14 banks QoQ | QoQ rank improving

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 2664 peers in $100M-$1B

Top Strengths (5 metrics)

106

Non-Interest-Bearing Deposit Share

funding

Value: 41.25%

Peer Median: 22.02%

#106 of 2664 Top 3.9% in $100M-$1B

134

Total Loans

size

Value: $629.26M

Peer Median: $255.72M

#134 of 2664 Top 5.0% in $100M-$1B

233

Total Deposits

size

Value: $670.00M

Peer Median: $327.97M

#233 of 2664 Top 8.7% in $100M-$1B

261

Total Assets

size

Value: $767.51M

Peer Median: $386.08M

#261 of 2664 Top 9.8% in $100M-$1B

444

Net Interest Margin

profitability

Value: 4.54%

Peer Median: 3.93%

#444 of 2664 Top 16.6% in $100M-$1B

Top Weaknesses (2 metrics)

2549

Non-Interest Income / Assets

revenue_mix

Value: 0.02%

Peer Median: 0.28%

#2549 of 2664 Bottom 4.4% in $100M-$1B

2221

Loan-to-Deposit Ratio

liquidity

Value: 93.92%

Peer Median: 76.64%

#2221 of 2664 Bottom 16.7% in $100M-$1B