BlastPoint's Banking Scorecard
Mega Bank
Designations: ✓ Minority Depository Institution
San Gabriel, CA
4 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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 53 in CA.
- Deposits -2.0% year over year ($426.1M on the books).
- Delinquency rate 1.63%.
- Return on assets 1.15%.
- Efficiency ratio 58.92% vs a 64.48% peer average.
- Loan-to-deposit ratio 100.33% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Mega Bank has 1 strength but faces 8 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 5.56% below tier average
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 19.2% in tier
- - Liquidity Overhang: Bottom 26.5% in tier
- - Deposit Outflow: Bottom 37.4% in tier
- - Flatlined Growth: Bottom 38.8% in tier
- - Liquidity Strain: Bottom 49.1% in tier
- - Non-Interest-Bearing Deposit Share 15.72% below tier average
- - ROA 0.17% below tier average
- - Net Interest Margin 0.08% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$506.7M
-0.4% YoY
-1.6% QoQ
|
+$120.1M |
$386.6M
+1.2% YoY
|
$4.9B
+8.2% YoY
|
$6.3B
+7.7% YoY
|
72% |
| Total Loans ? |
$427.5M
+4.8% YoY
+4.4% QoQ
|
+$169.1M |
$258.3M
+1.7% YoY
|
$3.3B
+8.0% YoY
|
$3.2B
+9.4% YoY
|
82% |
| Total Deposits ? |
$426.1M
-2.0% YoY
-2.6% QoQ
|
+$99.3M |
$326.7M
+0.7% YoY
|
$4.0B
+7.9% YoY
|
$4.9B
+7.3% YoY
|
72% |
| Return on Assets ? |
1.15%
+24.8% YoY
+28.9% QoQ
|
-0.17% |
1.32%
+10.8% YoY
|
1.69%
+23.4% YoY
|
1.30%
+12.1% YoY
|
44% |
| Net Interest Margin ? |
3.91%
+1.4% YoY
+9.6% QoQ
|
-0.08% |
3.99%
+5.0% YoY
|
3.84%
+2.9% YoY
|
3.95%
+4.9% YoY
|
48% |
| Efficiency Ratio ? |
58.92%
-3.2% YoY
-13.5% QoQ
|
-5.56% |
64.48%
-3.2% YoY
|
64.67%
-10.5% YoY
|
70.05%
+2.5% YoY
|
60% |
| Delinquency Rate ? |
1.63%
+8.7% YoY
-27.7% QoQ
|
+0.72% |
0.92%
+15.7% YoY
|
1.15%
+46.6% YoY
|
0.98%
+16.3% YoY
|
17% |
| Loan-to-Deposit Ratio ? |
100.33%
+6.9% YoY
+7.2% QoQ
|
+22.38% |
77.95%
+1.0% YoY
|
86.69%
+1.8% YoY
|
79.03%
+2.3% YoY
|
Bottom 9.8% in tier |
| Non-Interest-Bearing Deposit Share ? |
6.31%
-11.0% YoY
+9.5% QoQ
|
-15.72% |
22.03%
-0.6% YoY
|
25.07%
-3.4% YoY
|
21.98%
-0.6% YoY
|
Bottom 5.0% in tier |
| Nonperforming Asset Ratio ? |
1.38%
-4.2% YoY
-29.7% QoQ
|
+0.71% |
0.67%
+16.4% YoY
|
0.91%
+41.3% YoY
|
0.69%
+15.8% YoY
|
Bottom 13.5% in tier |
| Tier 1 Capital Ratio ? |
16.35%
+3.8% YoY
-0.8% QoQ
|
+0.44% |
15.91%
+1.4% YoY
|
20.69%
-2.9% YoY
|
17.09%
+0.8% YoY
|
74% |
| Non-Interest Income / Assets ? |
0.15%
+41.7% YoY
+360.3% QoQ
|
-0.42% |
0.57%
+7.6% YoY
|
1.26%
+3.5% YoY
|
0.66%
+5.2% YoY
|
33% |
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 |
6.3%
-0.8pp YoY +0.5pp QoQ |
-15.8pp | 22.1% | 25.5% | 22.2% | 4% |
| Brokered Deposits | n/a | n/a | 7.9% | 11.0% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
3.2%
-1.2pp YoY -0.6pp QoQ |
-8.4pp | 11.6% | 11.8% | 12.5% | 11% |
| CRE |
84.8%
+4.6pp YoY +1.4pp QoQ |
+45.2pp | 39.5% | 67.5% | 41.4% | 99% |
| 1-4 Family |
5.5%
-0.6pp YoY 0.0pp QoQ |
-27.2pp | 32.6% | 16.5% | 31.3% | 5% |
| Consumer |
1.5%
-0.8pp YoY -0.1pp QoQ |
-2.7pp | 4.1% | 5.3% | 5.0% | 38% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
16.4%
+0.6pp YoY -0.1pp QoQ |
-2.5pp | 18.8% | 23.7% | 19.7% | 60% |
| Leverage Ratio |
14.4%
+0.8pp YoY +0.5pp QoQ |
+2.3pp | 12.2% | 14.5% | 12.6% | 84% |
| Total Capital Ratio |
17.6%
+0.6pp YoY -0.1pp QoQ |
-2.3pp | 19.9% | 25.1% | 20.8% | 60% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
49
-4 (-7.5%) YoY -2 (-3.9%) QoQ |
-10 | 58 | 337 | 482 | 52% |
| Assets per Employee ($) |
$10.3M
+7.7% YoY +2.4% QoQ |
+$2.8M | $7.5M | $11.3M | $8.8M | 87% |
| Branch Count |
4
0 YoY 0 QoQ |
-1 | 4 | 15 | 18 | 42% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.3% | 0.4% | n/a |
| Nonaccrual |
1.6%
+0.1pp YoY -0.6pp QoQ |
+0.7pp | 0.9% | 1.4% | 1.0% | 83% |
| Allowance Coverage |
0.80x
-2.1% YoY +42.7% QoQ |
-23.35x | 24.15x | 17.11x | 20.23x | 20% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.3% | 0.2% | 64% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
8.1%
+1.1pp YoY +1.7pp QoQ |
-4.1pp | 12.2% | 8.2% | 11.6% | 26% |
| Cost of Funds (YTD) |
3.1%
-0.2pp YoY 0.0pp QoQ |
+1.4pp | 1.7% | 1.9% | 1.7% | 98% |
| Net Income ($, YTD) |
$2.9M
+23.9% YoY — QoQ |
+$391K | $2.6M | $28.5M | $40.4M | 69% |
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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 (0)
Concerns (5)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Liquidity Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Deposit Outflow
declineDeposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.