BlastPoint's Banking Scorecard
FFB Bank
Designations: ✓ Community bank
Fresno, CA
3 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 885 banks in the $1B-$10B peer group nationwide — 1 of 49 in CA.
- Deposits +11.9% year over year ($1.4B on the books).
- Delinquency rate 3.59%.
- Return on assets 1.33%.
- Efficiency ratio 64.88% vs a 59.73% peer average.
- Loan-to-deposit ratio 89.28% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
FFB Bank has 2 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Deposit Franchise: Top 15.0% in tier
- + Revenue Diversifier: Top 46.4% in tier
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 11.8% in tier
- - Cost Spiral: Bottom 74.2% in tier
- - Delinquency Rate 2.72% above tier average
- - Nonperforming Asset Ratio 2.07% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.6B
+9.3% YoY
+3.0% QoQ
|
-$1.2B |
$2.8B
-0.6% YoY
|
$4.9B
+8.2% YoY
|
$6.3B
+7.7% YoY
|
40% |
| Total Loans ? |
$1.2B
+15.5% YoY
+2.6% QoQ
|
-$723.5M |
$2.0B
-0.3% YoY
|
$3.3B
+8.0% YoY
|
$3.2B
+9.4% YoY
|
45% |
| Total Deposits ? |
$1.4B
+11.9% YoY
+3.2% QoQ
|
-$930.3M |
$2.3B
-0.5% YoY
|
$4.0B
+7.9% YoY
|
$4.9B
+7.3% YoY
|
41% |
| Return on Assets ? |
1.33%
-32.6% YoY
+6.6% QoQ
|
-0.07% |
1.39%
+17.0% YoY
|
1.69%
+23.4% YoY
|
1.30%
+12.1% YoY
|
57% |
| Net Interest Margin ? |
4.87%
-10.8% YoY
-0.8% QoQ
|
+1.00% |
3.87%
+6.2% YoY
|
3.84%
+2.9% YoY
|
3.95%
+4.9% YoY
|
Top 6.8% in tier |
| Efficiency Ratio ? |
64.88%
+15.2% YoY
-5.2% QoQ
|
+5.15% |
59.73%
-12.6% YoY
|
64.67%
-10.5% YoY
|
70.05%
+2.5% YoY
|
33% |
| Delinquency Rate ? |
3.59%
+46.2% YoY
+24.7% QoQ
|
+2.72% |
0.87%
+11.7% YoY
|
1.15%
+46.6% YoY
|
0.98%
+16.3% YoY
|
Bottom 3.2% in tier |
| Loan-to-Deposit Ratio ? |
89.28%
+3.2% YoY
-0.5% QoQ
|
+4.25% |
85.04%
-0.1% YoY
|
86.69%
+1.8% YoY
|
79.03%
+2.3% YoY
|
44% |
| Non-Interest-Bearing Deposit Share ? |
52.62%
-14.7% YoY
-4.9% QoQ
|
+31.34% |
21.27%
-1.5% YoY
|
25.07%
-3.4% YoY
|
21.98%
-0.6% YoY
|
Top 1.4% in tier |
| Nonperforming Asset Ratio ? |
2.75%
+49.2% YoY
+24.3% QoQ
|
+2.07% |
0.67%
+11.7% YoY
|
0.91%
+41.3% YoY
|
0.69%
+15.8% YoY
|
Bottom 3.3% in tier |
| Tier 1 Capital Ratio ? |
15.57%
-19.6% YoY
-2.8% QoQ
|
+0.73% |
14.84%
-0.4% YoY
|
20.69%
-2.9% YoY
|
17.09%
+0.8% YoY
|
78% |
| Non-Interest Income / Assets ? |
0.68%
-47.1% YoY
+112.3% QoQ
|
+0.15% |
0.53%
+2.5% YoY
|
1.26%
+3.5% YoY
|
0.66%
+5.2% YoY
|
Top 11.4% 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 |
52.6%
-9.1pp YoY -2.7pp QoQ |
+31.2pp | 21.4% | 25.5% | 22.2% | 98% |
| Brokered Deposits |
11.3%
+10.6pp YoY +0.6pp QoQ |
+1.8pp | 9.5% | 11.0% | 8.5% | 72% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
24.4%
+2.1pp YoY +1.8pp QoQ |
+10.4pp | 14.0% | 11.8% | 12.5% | 87% |
| CRE |
61.2%
-3.2pp YoY -2.9pp QoQ |
+11.2pp | 50.0% | 67.5% | 41.4% | 77% |
| 1-4 Family |
3.5%
+1.9pp YoY +0.1pp QoQ |
-23.0pp | 26.4% | 16.5% | 31.3% | 5% |
| Consumer |
0.0%
0.0pp YoY 0.0pp QoQ |
-4.7pp | 4.7% | 5.3% | 5.0% | 0% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
15.6%
-3.8pp YoY -0.4pp QoQ |
0.0pp | 15.6% | 23.7% | 19.7% | 75% |
| Leverage Ratio |
12.2%
-2.2pp YoY -0.5pp QoQ |
+0.9pp | 11.3% | 14.5% | 12.6% | 78% |
| Total Capital Ratio |
16.8%
-3.8pp YoY -0.4pp QoQ |
+0.1pp | 16.7% | 25.1% | 20.8% | 76% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
191
+10 (+5.5%) YoY -8 (-4.0%) QoQ |
-123 | 313 | 337 | 482 | 38% |
| Assets per Employee ($) |
$8.5M
+3.6% YoY +7.3% QoQ |
-$2.0M | $10.5M | $11.3M | $8.8M | 47% |
| Branch Count |
3
0 YoY 0 QoQ |
-17 | 20 | 15 | 18 | 8% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 0.2% | 0.3% | 0.4% | 40% |
| Nonaccrual |
3.6%
+1.1pp YoY +0.7pp QoQ |
+2.7pp | 0.8% | 1.4% | 1.0% | 97% |
| Allowance Coverage |
0.40x
-31.9% YoY -18.9% QoQ |
-18.31x | 18.71x | 17.11x | 20.23x | 4% |
| Net Charge-off Rate (YTD) |
0.3%
+0.2pp YoY +0.1pp QoQ |
+0.1pp | 0.3% | 0.3% | 0.2% | 87% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
10.7%
-3.8pp YoY +1.0pp QoQ |
-1.9pp | 12.6% | 8.2% | 11.6% | 39% |
| Cost of Funds (YTD) |
1.2%
+0.3pp YoY +0.1pp QoQ |
-0.7pp | 1.9% | 1.9% | 1.7% | 10% |
| Net Income ($, YTD) |
$10.5M
-29.2% YoY — QoQ |
-$8.7M | $19.2M | $28.5M | $40.4M | 42% |
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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 (2)
Deposit Franchise
growthTop-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.
Revenue Diversifier
growthTop-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Concerns (2)
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Cost Spiral
riskHistorically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.