BlastPoint's Banking Scorecard

US Metro Bank

$1B-$10B Specialty: Commercial CA FDIC cert 58310

Designations: ✓ Community bank ✓ Minority Depository Institution

Garden Grove, CA

11 branches across CA · WA · GA · NY

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 +12.2% year over year ($1.4B on the books).
Delinquency rate 1.56%.
Return on assets 1.01%.
Efficiency ratio 60.42% vs a 59.73% peer average.
Loan-to-deposit ratio 94.19% 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) →

US Metro Bank has 1 strength but faces 4 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

+ Revenue Diversifier: Top 46.0% in tier

Key Concerns

Areas that may need attention

- ROA 0.38% below tier average
- Net Interest Margin 0.45% below tier average
- Efficiency Ratio 0.69% above tier average
- Delinquency Rate 0.70% above tier average

Get updates when US Metro 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 ?	$1.6B +13.0% YoY +5.0% QoQ	-$1.2B	$2.8B -0.6% YoY	$4.9B +8.2% YoY	$6.3B +7.7% YoY	41%
Total Loans ?	$1.4B +11.5% YoY +5.3% QoQ	-$609.2M	$2.0B -0.3% YoY	$3.3B +8.0% YoY	$3.2B +9.4% YoY	49%
Total Deposits ?	$1.4B +12.2% YoY +5.5% QoQ	-$881.3M	$2.3B -0.5% YoY	$4.0B +7.9% YoY	$4.9B +7.3% YoY	43%
Return on Assets ?	1.01% +22.8% YoY -0.4% QoQ	-0.38%	1.39% +17.0% YoY	1.69% +23.4% YoY	1.30% +12.1% YoY	31%
Net Interest Margin ?	3.42% +9.5% YoY +3.3% QoQ	-0.45%	3.87% +6.2% YoY	3.84% +2.9% YoY	3.95% +4.9% YoY	33%
Efficiency Ratio ?	60.42% -8.8% YoY -2.8% QoQ	+0.69%	59.73% -12.6% YoY	64.67% -10.5% YoY	70.05% +2.5% YoY	46%
Delinquency Rate ?	1.56% +21.7% YoY -4.5% QoQ	+0.70%	0.87% +11.7% YoY	1.15% +46.6% YoY	0.98% +16.3% YoY	Bottom 14.7% in tier
Loan-to-Deposit Ratio ?	94.19% -0.7% YoY -0.2% QoQ	+9.15%	85.04% -0.1% YoY	86.69% +1.8% YoY	79.03% +2.3% YoY	29%
Non-Interest-Bearing Deposit Share ?	18.31% +3.5% YoY +3.5% QoQ	-2.96%	21.27% -1.5% YoY	25.07% -3.4% YoY	21.98% -0.6% YoY	42%
Nonperforming Asset Ratio ?	1.50% +39.2% YoY -4.3% QoQ	+0.82%	0.67% +11.7% YoY	0.91% +41.3% YoY	0.69% +15.8% YoY	Bottom 10.4% in tier
Tier 1 Capital Ratio ?	12.35% +3.3% YoY -3.5% QoQ	-2.49%	14.84% -0.4% YoY	20.69% -2.9% YoY	17.09% +0.8% YoY	39%
Non-Interest Income / Assets ?	0.77% +93.0% YoY +83.3% QoQ	+0.24%	0.53% +2.5% YoY	1.26% +3.5% YoY	0.66% +5.2% YoY	Top 9.3% 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	18.3% +0.6pp YoY +0.6pp QoQ	-3.1pp	21.4%	25.5%	22.2%	42%
Brokered Deposits	8.5% +2.1pp YoY -0.5pp QoQ	-0.9pp	9.5%	11.0%	8.5%	63%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
C&I	7.1% +0.5pp YoY -0.6pp QoQ	-6.9pp	14.0%	11.8%	12.5%	28%
CRE	75.4% +4.0pp YoY +1.6pp QoQ	+25.3pp	50.0%	67.5%	41.4%	93%
1-4 Family	14.5% -4.3pp YoY -0.9pp QoQ	-12.0pp	26.4%	16.5%	31.3%	29%
Consumer	n/a	n/a	4.7%	5.3%	5.0%	n/a

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
CET1 Ratio	12.3% +0.4pp YoY -0.5pp QoQ	-3.2pp	15.6%	23.7%	19.7%	30%
Leverage Ratio	10.4% +0.6pp YoY -0.2pp QoQ	-0.9pp	11.3%	14.5%	12.6%	48%
Total Capital Ratio	13.6% +0.4pp YoY -0.4pp QoQ	-3.1pp	16.7%	25.1%	20.8%	32%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Full-Time Employees	204 +25 (+14.0%) YoY +2 (+1.0%) QoQ	-110	313	337	482	42%
Assets per Employee ($)	$8.0M -0.9% YoY +3.9% QoQ	-$2.4M	$10.5M	$11.3M	$8.8M	40%
Branch Count	11 0 YoY 0 QoQ	-9	20	15	18	35%

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	1.6% +0.3pp YoY -0.1pp QoQ	+0.7pp	0.8%	1.4%	1.0%	87%
Allowance Coverage	0.82x -13.2% YoY +4.1% QoQ	-17.89x	18.71x	17.11x	20.23x	17%
Net Charge-off Rate (YTD)	0.4% +0.3pp YoY +0.1pp QoQ	+0.1pp	0.3%	0.3%	0.2%	88%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
ROE	10.1% +1.0pp YoY +0.1pp QoQ	-2.5pp	12.6%	8.2%	11.6%	34%
Cost of Funds (YTD)	2.7% -0.4pp YoY 0.0pp QoQ	+0.8pp	1.9%	1.9%	1.7%	89%
Net Income ($, YTD)	$8.0M +36.9% YoY — QoQ	-$11.2M	$19.2M	$28.5M	$40.4M	29%

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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)

Revenue Diversifier

growth

#103 of 222 • Top 46.0% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 0.77%

(Tier: 0.53%, National: 0.66%)

better than tier avg

Return on Assets: 1.01%

(Tier: 1.39%, National: 1.30%)

but worse than tier avg

222 of 222 Mid-Market banks match · 923 nationally

→ Stable | QoQ rank declining

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 (1 metrics)

Non-Interest Income / Assets

revenue_mix

Value: 0.77%

Peer Median: 0.53%

#83 of 885 Top 9.3% in $1B-$10B

Top Weaknesses (2 metrics)

794

Nonperforming Asset Ratio

credit_quality

Value: 1.50%

Peer Median: 0.67%

#794 of 885 Bottom 10.4% in $1B-$10B

753

Delinquency Rate

credit_quality

Value: 1.56%

Peer Median: 0.87%

#753 of 882 Bottom 14.7% in $1B-$10B