BlastPoint's Banking Scorecard
Bank of San Francisco
San Francisco, CA
2 branches across 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 +27.2% year over year ($740.7M on the books).
- Delinquency rate 0.09%.
- Return on assets 0.93%.
- Efficiency ratio 64.08% vs a 64.48% peer average.
- Loan-to-deposit ratio 92.82% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Bank of San Francisco has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.35% above tier average
- + Efficiency Ratio 0.40% below tier average
- + Delinquency Rate 0.83% below tier average
Key Concerns
Areas that may need attention
- - Non-Interest Income / Assets 0.53% below tier average
- - ROA 0.39% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$863.6M
+28.5% YoY
+12.5% QoQ
|
+$477.0M |
$386.6M
+1.2% YoY
|
$4.9B
+8.2% YoY
|
$6.3B
+7.7% YoY
|
Top 5.1% in tier |
| Total Loans ? |
$687.5M
+26.5% YoY
+9.3% QoQ
|
+$429.2M |
$258.3M
+1.7% YoY
|
$3.3B
+8.0% YoY
|
$3.2B
+9.4% YoY
|
Top 3.0% in tier |
| Total Deposits ? |
$740.7M
+27.2% YoY
+10.6% QoQ
|
+$414.0M |
$326.7M
+0.7% YoY
|
$4.0B
+7.9% YoY
|
$4.9B
+7.3% YoY
|
Top 4.7% in tier |
| Return on Assets ? |
0.93%
+9.5% YoY
-13.2% QoQ
|
-0.39% |
1.32%
+10.8% YoY
|
1.69%
+23.4% YoY
|
1.30%
+12.1% YoY
|
30% |
| Net Interest Margin ? |
4.34%
+1.0% YoY
-4.6% QoQ
|
+0.35% |
3.99%
+5.0% YoY
|
3.84%
+2.9% YoY
|
3.95%
+4.9% YoY
|
72% |
| Efficiency Ratio ? |
64.08%
-4.8% YoY
+1.3% QoQ
|
-0.40% |
64.48%
-3.2% YoY
|
64.67%
-10.5% YoY
|
70.05%
+2.5% YoY
|
45% |
| Delinquency Rate ? |
0.09%
-55.6% YoY
-31.3% QoQ
|
-0.83% |
0.92%
+15.7% YoY
|
1.15%
+46.6% YoY
|
0.98%
+16.3% YoY
|
75% |
| Loan-to-Deposit Ratio ? |
92.82%
-0.6% YoY
-1.2% QoQ
|
+14.87% |
77.95%
+1.0% YoY
|
86.69%
+1.8% YoY
|
79.03%
+2.3% YoY
|
21% |
| Non-Interest-Bearing Deposit Share ? |
32.89%
-16.4% YoY
-20.3% QoQ
|
+10.86% |
22.03%
-0.6% YoY
|
25.07%
-3.4% YoY
|
21.98%
-0.6% YoY
|
Top 12.8% in tier |
| Nonperforming Asset Ratio ? |
0.07%
-56.3% YoY
-33.3% QoQ
|
-0.60% |
0.67%
+16.4% YoY
|
0.91%
+41.3% YoY
|
0.69%
+15.8% YoY
|
75% |
| Tier 1 Capital Ratio ? |
14.36%
-18.8% YoY
-7.9% QoQ
|
-1.55% |
15.91%
+1.4% YoY
|
20.69%
-2.9% YoY
|
17.09%
+0.8% YoY
|
60% |
| Non-Interest Income / Assets ? |
0.03%
-18.7% YoY
+62.6% QoQ
|
-0.53% |
0.57%
+7.6% YoY
|
1.26%
+3.5% YoY
|
0.66%
+5.2% YoY
|
Bottom 3.0% in tier |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 |
32.9%
-6.4pp YoY -8.4pp QoQ |
+10.7pp | 22.1% | 25.5% | 22.2% | 87% |
| Brokered Deposits |
5.0%
+2.0pp QoQ |
-2.9pp | 7.9% | 11.0% | 8.5% | 52% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
10.0%
-0.3pp YoY 0.0pp QoQ |
-1.5pp | 11.6% | 11.8% | 12.5% | 53% |
| CRE |
41.3%
+5.7pp YoY +0.8pp QoQ |
+1.8pp | 39.5% | 67.5% | 41.4% | 56% |
| 1-4 Family |
49.4%
-5.2pp YoY -0.5pp QoQ |
+16.7pp | 32.6% | 16.5% | 31.3% | 82% |
| Consumer |
0.0%
-0.1pp YoY 0.0pp QoQ |
-4.1pp | 4.1% | 5.3% | 5.0% | 3% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
14.4%
-3.3pp YoY -1.2pp QoQ |
-4.5pp | 18.8% | 23.7% | 19.7% | 43% |
| Leverage Ratio |
10.9%
-0.9pp YoY -0.4pp QoQ |
-1.3pp | 12.2% | 14.5% | 12.6% | 49% |
| Total Capital Ratio |
15.6%
-3.3pp YoY -1.2pp QoQ |
-4.3pp | 19.9% | 25.1% | 20.8% | 44% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
58
+6 (+11.5%) YoY +2 (+3.6%) QoQ |
-1 | 58 | 337 | 482 | 61% |
| Assets per Employee ($) |
$14.9M
+15.2% YoY +8.6% QoQ |
+$7.4M | $7.5M | $11.3M | $8.8M | 97% |
| Branch Count |
2
+1 (+100.0%) YoY 0 QoQ |
-3 | 4 | 15 | 18 | 11% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.3% | 0.4% | n/a |
| Nonaccrual |
0.1%
-0.1pp YoY 0.0pp QoQ |
-0.8pp | 0.9% | 1.4% | 1.0% | 18% |
| Allowance Coverage |
13.24x
+103.7% YoY +42.6% QoQ |
-10.92x | 24.15x | 17.11x | 20.23x | 85% |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.1% | 0.3% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
8.6%
+1.5pp YoY -0.9pp QoQ |
-3.6pp | 12.2% | 8.2% | 11.6% | 29% |
| Cost of Funds (YTD) |
1.1%
0.0pp YoY +0.1pp QoQ |
-0.6pp | 1.7% | 1.9% | 1.7% | 17% |
| Net Income ($, YTD) |
$3.7M
+34.4% YoY — QoQ |
+$1.1M | $2.6M | $28.5M | $40.4M | 77% |
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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.