BlastPoint's Banking Scorecard

FFB Bank

$1B-$10B Specialty: Commercial CA FDIC cert 58090

Designations: ✓ Community bank

Fresno, CA

3 branches across CA

884 banks in the $1B-$10B peer group nationally 49 in CA

FFB Bank has 1 strength but faces 5 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 12.8% in tier

Key Concerns

Areas that may need attention

- Margin Compression: Bottom 3.6% in tier
- Liquidity Overhang: Bottom 46.5% in tier
- Cost Spiral: Bottom 80.7% in tier
- Delinquency Rate 1.99% above tier average
- Nonperforming Asset Ratio 1.54% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Total Assets ?	$1.6B +0.9% YoY -0.5% QoQ	-$1.2B	$2.8B -0.1% YoY	$4.7B +7.7% YoY	$6.2B +9.1% YoY	37%
Total Loans ?	$1.2B +12.3% YoY +2.8% QoQ	-$756.8M	$2.0B +0.6% YoY	$3.2B +8.4% YoY	$3.2B +10.8% YoY	43%
Total Deposits ?	$1.3B +1.8% YoY +0.1% QoQ	-$997.4M	$2.3B -0.3% YoY	$3.9B +7.0% YoY	$4.8B +8.2% YoY	39%
Return on Assets ?	1.24% -43.9% YoY -24.5% QoQ	-0.12%	1.37% +19.6% YoY	1.80% +29.4% YoY	1.23% +13.4% YoY	52%
Net Interest Margin ?	4.91% -10.8% YoY -7.8% QoQ	+1.09%	3.82% +6.9% YoY	3.85% +3.8% YoY	3.89% +5.7% YoY	Top 6.3% in tier
Efficiency Ratio ?	68.45% +20.8% YoY +17.8% QoQ	+7.39%	61.06% -4.6% YoY	68.78% -8.1% YoY	66.95% -4.1% YoY	25%
Delinquency Rate ?	2.88% +100.8% YoY +21.6% QoQ	+1.99%	0.89% +14.1% YoY	1.17% +69.3% YoY	0.95% +18.8% YoY	Bottom 4.8% in tier
Loan-to-Deposit Ratio ?	89.76% +10.3% YoY +2.7% QoQ	+5.55%	84.20% +0.3% YoY	85.13% +2.0% YoY	76.70% +0.9% YoY	39%
Non-Interest-Bearing Deposit Share ?	55.35% -11.5% YoY -5.4% QoQ	+34.06%	21.29% -2.5% YoY	25.15% -3.9% YoY	22.01% -1.2% YoY	Top 1.2% in tier
Nonperforming Asset Ratio ?	2.21% +123.6% YoY +25.7% QoQ	+1.54%	0.67% +15.6% YoY	0.91% +65.9% YoY	0.67% +19.3% YoY	Bottom 5.1% in tier
Tier 1 Capital Ratio ?	16.02% -19.6% YoY -17.0% QoQ	+0.86%	15.16% +2.0% YoY	21.08% -3.4% YoY	17.06% +0.8% YoY	81%
Non-Interest Income / Assets ?	0.32% -47.9% YoY -83.0% QoQ	+0.06%	0.26% +1.6% YoY	0.70% +11.6% YoY	0.32% +4.1% YoY	Top 11.5% 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

#12 of 86 • Top 12.8% 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: 55.35%

(Tier: 21.29%, National: 22.01%)

better than tier avg

Net Interest Margin: 4.91%

(Tier: 3.82%, National: 3.89%)

better than tier avg

86 of 86 Mid-Market banks match · 369 nationally

→ Stable -14 banks QoQ | QoQ rank declining

Concerns (3)

Margin Compression

decline

#4 of 84 • Bottom 3.6% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature

Return on Assets: 1.24%

(Tier: 1.37%, National: 1.23%)

worse than tier avg

84 of 84 Mid-Market banks match · 407 nationally

↑ Growing +94 banks QoQ | QoQ rank improving

Liquidity Overhang

risk

#82 of 174 • Bottom 46.5% 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: 16.02%

(Tier: 15.16%, National: 17.06%)

better than tier avg

Loan-to-Deposit Ratio: 89.76%

(Tier: 84.20%, National: 76.70%)

worse than tier avg

174 of 174 Mid-Market banks match · 939 nationally

→ Stable +13 banks QoQ | QoQ rank declining

Cost Spiral

risk

#26 of 31 • Bottom 80.7% in tier

Historically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.

Why this signature

Efficiency Ratio: 68.45%

(Tier: 61.06%, National: 66.95%)

worse than tier avg

31 of 31 Mid-Market banks match · 176 nationally

↑ Growing +82 banks QoQ | QoQ rank declining

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 884 peers in $1B-$10B

Top Strengths (4 metrics)

Non-Interest-Bearing Deposit Share

funding

Value: 55.35%

Peer Median: 21.29%

#12 of 884 Top 1.2% in $1B-$10B

Net Interest Margin

profitability

Value: 4.91%

Peer Median: 3.82%

#57 of 884 Top 6.3% in $1B-$10B

103

Non-Interest Income / Assets

revenue_mix

Value: 0.32%

Peer Median: 0.26%

#103 of 884 Top 11.5% in $1B-$10B

173

Tier 1 Capital Ratio

capital

Value: 16.02%

Peer Median: 15.16%

#173 of 884 Top 19.5% in $1B-$10B

Top Weaknesses (2 metrics)

839

Delinquency Rate

credit_quality

Value: 2.88%

Peer Median: 0.89%

#839 of 880 Bottom 4.8% in $1B-$10B

840

Nonperforming Asset Ratio

credit_quality

Value: 2.21%

Peer Median: 0.67%

#840 of 884 Bottom 5.1% in $1B-$10B