BlastPoint's Banking Scorecard

CalPrivate Bank

$1B-$10B Specialty: Commercial CA FDIC cert 58291

Designations: ✓ Community bank

La Jolla, CA

7 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 +10.0% year over year ($2.4B on the books).
Delinquency rate 1.28%.
Return on assets 2.02%.
Efficiency ratio 44.38% vs a 59.73% peer average.
Loan-to-deposit ratio 88.17% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

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

View $1B-$10B leaderboard (CA) →

CalPrivate Bank has 3 strengths but faces 1 concern

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 36.2% in tier
+ Profitability Leader: Top 44.6% in tier
+ Efficiency Ratio 15.35% below tier average

Key Concerns

Areas that may need attention

- Delinquency Rate 0.41% above tier average

Get updates when CalPrivate Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Total Assets ?	$2.7B +10.3% YoY +0.5% QoQ	-$85.4M	$2.8B -0.6% YoY	$4.9B +8.2% YoY	$6.3B +7.7% YoY	65%
Total Loans ?	$2.1B +2.0% YoY -0.4% QoQ	+$139.0M	$2.0B -0.3% YoY	$3.3B +8.0% YoY	$3.2B +9.4% YoY	69%
Total Deposits ?	$2.4B +10.0% YoY +0.4% QoQ	+$65.4M	$2.3B -0.5% YoY	$4.0B +7.9% YoY	$4.9B +7.3% YoY	68%
Return on Assets ?	2.02% +13.5% YoY +6.0% QoQ	+0.63%	1.39% +17.0% YoY	1.69% +23.4% YoY	1.30% +12.1% YoY	Top 11.1% in tier
Net Interest Margin ?	5.22% +5.8% YoY +0.4% QoQ	+1.35%	3.87% +6.2% YoY	3.84% +2.9% YoY	3.95% +4.9% YoY	Top 4.1% in tier
Efficiency Ratio ?	44.38% -6.1% YoY +0.6% QoQ	-15.35%	59.73% -12.6% YoY	64.67% -10.5% YoY	70.05% +2.5% YoY	Top 10.6% in tier
Delinquency Rate ?	1.28% +241.6% YoY -21.9% QoQ	+0.41%	0.87% +11.7% YoY	1.15% +46.6% YoY	0.98% +16.3% YoY	21%
Loan-to-Deposit Ratio ?	88.17% -7.3% YoY -0.8% QoQ	+3.14%	85.04% -0.1% YoY	86.69% +1.8% YoY	79.03% +2.3% YoY	48%
Non-Interest-Bearing Deposit Share ?	27.94% +0.1% YoY -9.9% QoQ	+6.67%	21.27% -1.5% YoY	25.07% -3.4% YoY	21.98% -0.6% YoY	80%
Nonperforming Asset Ratio ?	1.50% +125.5% YoY -6.6% QoQ	+0.82%	0.67% +11.7% YoY	0.91% +41.3% YoY	0.69% +15.8% YoY	Bottom 10.3% in tier
Tier 1 Capital Ratio ?	13.61% +12.3% YoY +5.1% QoQ	-1.23%	14.84% -0.4% YoY	20.69% -2.9% YoY	17.09% +0.8% YoY	58%
Non-Interest Income / Assets ?	0.11% -20.9% YoY +50.0% QoQ	-0.42%	0.53% +2.5% YoY	1.26% +3.5% YoY	0.66% +5.2% YoY	Bottom 11.0% in tier

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	27.9% 0.0pp YoY -3.1pp QoQ	+6.6pp	21.4%	25.5%	22.2%	79%
Brokered Deposits	2.1% -2.2pp YoY 0.0pp QoQ	-7.4pp	9.5%	11.0%	8.5%	28%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
C&I	21.7% +1.0pp YoY -0.7pp QoQ	+7.7pp	14.0%	11.8%	12.5%	84%
CRE	68.2% -1.9pp YoY -0.4pp QoQ	+18.1pp	50.0%	67.5%	41.4%	86%
1-4 Family	9.9% +0.2pp YoY +0.6pp QoQ	-16.5pp	26.4%	16.5%	31.3%	17%
Consumer	0.1% 0.0pp YoY 0.0pp QoQ	-4.6pp	4.7%	5.3%	5.0%	12%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
CET1 Ratio	13.6% +1.5pp YoY +0.7pp QoQ	-2.0pp	15.6%	23.7%	19.7%	52%
Leverage Ratio	11.5% +0.8pp YoY +0.2pp QoQ	+0.2pp	11.3%	14.5%	12.6%	70%
Total Capital Ratio	14.9% +1.5pp YoY +0.7pp QoQ	-1.8pp	16.7%	25.1%	20.8%	54%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Full-Time Employees	247 +4 (+1.6%) YoY -5 (-2.0%) QoQ	-67	313	337	482	54%
Assets per Employee ($)	$11.0M +8.5% YoY +2.6% QoQ	+$481K	$10.5M	$11.3M	$8.8M	72%
Branch Count	7 +1 (+16.7%) YoY 0 QoQ	-13	20	15	18	17%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.2%	0.3%	0.4%	n/a
Nonaccrual	1.3% +0.9pp YoY -0.4pp QoQ	+0.5pp	0.8%	1.4%	1.0%	81%
Allowance Coverage	1.13x -69.0% YoY +29.5% QoQ	-17.58x	18.71x	17.11x	20.23x	28%
Net Charge-off Rate (YTD)	0.1% 0.0pp YoY -0.1pp QoQ	-0.2pp	0.3%	0.3%	0.2%	62%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
ROE	18.5% +1.0pp YoY +0.9pp QoQ	+5.9pp	12.6%	8.2%	11.6%	87%
Cost of Funds (YTD)	1.5% -0.5pp YoY 0.0pp QoQ	-0.4pp	1.9%	1.9%	1.7%	21%
Net Income ($, YTD)	$26.7M +22.3% YoY — QoQ	+$7.5M	$19.2M	$28.5M	$40.4M	79%

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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 (2)

Deposit Franchise

growth

#30 of 80 • Top 36.2% 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: 27.94%

(Tier: 21.27%, National: 21.98%)

better than tier avg

Net Interest Margin: 5.22%

(Tier: 3.87%, National: 3.95%)

better than tier avg

80 of 80 Mid-Market banks match · 368 nationally

→ Stable -1 banks QoQ | QoQ rank declining

Profitability Leader

growth

#100 of 222 • Top 44.6% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 2.02%

(Tier: 1.39%, National: 1.30%)

better than tier avg

222 of 222 Mid-Market banks match · 923 nationally

→ Stable | 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 885 peers in $1B-$10B

Top Strengths (4 metrics)

Net Interest Margin

profitability

Value: 5.22%

Peer Median: 3.87%

#37 of 885 Top 4.1% in $1B-$10B

Efficiency Ratio

profitability

Value: 44.38%

Peer Median: 59.73%

#95 of 885 Top 10.6% in $1B-$10B

Return on Assets

profitability

Value: 2.02%

Peer Median: 1.39%

#99 of 885 Top 11.1% in $1B-$10B

182

Non-Interest-Bearing Deposit Share

funding

Value: 27.94%

Peer Median: 21.27%

#182 of 885 Top 20.5% in $1B-$10B

Top Weaknesses (3 metrics)

795

Nonperforming Asset Ratio

credit_quality

Value: 1.50%

Peer Median: 0.67%

#795 of 885 Bottom 10.3% in $1B-$10B

789

Non-Interest Income / Assets

revenue_mix

Value: 0.11%

Peer Median: 0.53%

#789 of 885 Bottom 11.0% in $1B-$10B

696

Delinquency Rate

credit_quality

Value: 1.28%

Peer Median: 0.87%

#696 of 882 Bottom 21.2% in $1B-$10B