BlastPoint's Banking Scorecard
CalPrivate Bank
Designations: ✓ Community bank
La Jolla, CA
7 branches across CA
CalPrivate Bank has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Deposit Franchise: Top 19.8% in tier
- + ROA 0.54% above tier average
- + Efficiency Ratio 16.93% below tier average
Key Concerns
Areas that may need attention
- - Nonperforming Asset Ratio 0.93% above tier average
- - Delinquency Rate 0.75% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.7B
+8.5% YoY
+6.3% QoQ
|
-$122.2M |
$2.8B
-0.1% YoY
|
$4.7B
+7.7% YoY
|
$6.2B
+9.1% YoY
|
65% |
| Total Loans ? |
$2.1B
+2.8% YoY
+0.6% QoQ
|
+$146.5M |
$2.0B
+0.6% YoY
|
$3.2B
+8.4% YoY
|
$3.2B
+10.8% YoY
|
70% |
| Total Deposits ? |
$2.4B
+8.2% YoY
+6.6% QoQ
|
+$32.5M |
$2.3B
-0.3% YoY
|
$3.9B
+7.0% YoY
|
$4.8B
+8.2% YoY
|
67% |
| Return on Assets ? |
1.91%
+6.7% YoY
+12.1% QoQ
|
+0.54% |
1.37%
+19.6% YoY
|
1.80%
+29.4% YoY
|
1.23%
+13.4% YoY
|
Top 13.1% in tier |
| Net Interest Margin ? |
5.20%
+9.9% YoY
+4.9% QoQ
|
+1.38% |
3.82%
+6.9% YoY
|
3.85%
+3.8% YoY
|
3.89%
+5.7% YoY
|
Top 4.2% in tier |
| Efficiency Ratio ? |
44.13%
-5.3% YoY
-7.3% QoQ
|
-16.93% |
61.06%
-4.6% YoY
|
68.78%
-8.1% YoY
|
66.95%
-4.1% YoY
|
Top 10.4% in tier |
| Delinquency Rate ? |
1.64%
+116.4% YoY
-18.6% QoQ
|
+0.75% |
0.89%
+14.1% YoY
|
1.17%
+69.3% YoY
|
0.95%
+18.8% YoY
|
Bottom 13.3% in tier |
| Loan-to-Deposit Ratio ? |
88.87%
-5.0% YoY
-5.7% QoQ
|
+4.66% |
84.20%
+0.3% YoY
|
85.13%
+2.0% YoY
|
76.70%
+0.9% YoY
|
42% |
| Non-Interest-Bearing Deposit Share ? |
31.00%
+13.1% YoY
+13.3% QoQ
|
+9.71% |
21.29%
-2.5% YoY
|
25.15%
-3.9% YoY
|
22.01%
-1.2% YoY
|
Top 14.0% in tier |
| Nonperforming Asset Ratio ? |
1.60%
+155.8% YoY
-20.1% QoQ
|
+0.93% |
0.67%
+15.6% YoY
|
0.91%
+65.9% YoY
|
0.67%
+19.3% YoY
|
Bottom 10.0% in tier |
| Tier 1 Capital Ratio ? |
12.95%
+10.2% YoY
+2.4% QoQ
|
-2.21% |
15.16%
+2.0% YoY
|
21.08%
-3.4% YoY
|
17.06%
+0.8% YoY
|
48% |
| Non-Interest Income / Assets ? |
0.07%
+10.4% YoY
-73.5% QoQ
|
-0.19% |
0.26%
+1.6% YoY
|
0.70%
+11.6% YoY
|
0.32%
+4.1% YoY
|
19% |
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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 (1)
Deposit Franchise
growthTop-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.