BlastPoint's Banking Scorecard

Mega Bank

$100M-$1B Specialty: Commercial CA FDIC cert 58401

Designations: ✓ Minority Depository Institution

San Gabriel, CA

4 branches across CA

2664 banks in the $100M-$1B peer group nationally 53 in CA

Mega Bank faces 8 concerns requiring attention

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

No key strengths identified

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 4.0% in tier
- Liquidity Overhang: Bottom 32.3% in tier
- Flatlined Growth: Bottom 39.3% in tier
- NIB Deposit Bleed: Bottom 40.4% in tier
- Cost Spiral: Bottom 64.3% in tier
- Nonperforming Asset Ratio 1.32% above tier average
- Non-Interest Income / Assets 0.25% below tier average
- ROA 0.37% below 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 ?	$515.1M +1.0% YoY +1.0% QoQ	+$129.0M	$386.1M +0.5% YoY	$4.7B +7.7% YoY	$6.2B +9.1% YoY	73%
Total Loans ?	$409.6M -4.0% YoY -1.2% QoQ	+$153.9M	$255.7M +1.1% YoY	$3.2B +8.4% YoY	$3.2B +10.8% YoY	80%
Total Deposits ?	$437.4M +0.3% YoY +1.0% QoQ	+$109.5M	$328.0M +0.1% YoY	$3.9B +7.0% YoY	$4.8B +8.2% YoY	73%
Return on Assets ?	0.90% -1.8% YoY -7.4% QoQ	-0.37%	1.27% +12.9% YoY	1.80% +29.4% YoY	1.23% +13.4% YoY	31%
Net Interest Margin ?	3.57% -8.0% YoY -8.7% QoQ	-0.36%	3.93% +6.0% YoY	3.85% +3.8% YoY	3.89% +5.7% YoY	34%
Efficiency Ratio ?	68.08% +12.3% YoY +11.9% QoQ	+2.80%	65.29% -4.5% YoY	68.78% -8.1% YoY	66.95% -4.1% YoY	37%
Delinquency Rate ?	2.26% +27.2% YoY -15.4% QoQ	+1.37%	0.89% +18.8% YoY	1.17% +69.3% YoY	0.95% +18.8% YoY	Bottom 10.1% in tier
Loan-to-Deposit Ratio ?	93.63% -4.3% YoY -2.2% QoQ	+17.00%	76.64% +0.8% YoY	85.13% +2.0% YoY	76.70% +0.9% YoY	17%
Non-Interest-Bearing Deposit Share ?	5.76% -26.6% YoY -1.3% QoQ	-16.26%	22.02% -1.0% YoY	25.15% -3.9% YoY	22.01% -1.2% YoY	Bottom 4.4% in tier
Nonperforming Asset Ratio ?	1.96% +32.1% YoY -16.0% QoQ	+1.32%	0.64% +19.7% YoY	0.91% +65.9% YoY	0.67% +19.3% YoY	Bottom 7.2% in tier
Tier 1 Capital Ratio ?	16.48% +9.7% YoY +3.5% QoQ	+0.65%	15.83% +1.5% YoY	21.08% -3.4% YoY	17.06% +0.8% YoY	75%
Non-Interest Income / Assets ?	0.03% +21.3% YoY -84.0% QoQ	-0.25%	0.28% +9.3% YoY	0.70% +11.6% YoY	0.32% +4.1% YoY	Bottom 8.8% 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 (0)

No matched strength signatures this quarter

Concerns (5)

Liquidity Strain

risk

#27 of 643 • Bottom 4.0% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 93.63%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

643 of 643 Community banks match · 1013 nationally

→ Stable -50 banks QoQ | QoQ rank improving

Liquidity Overhang

risk

#240 of 739 • Bottom 32.3% 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: 16.48%

(Tier: 15.83%, National: 17.06%)

better than tier avg

Loan-to-Deposit Ratio: 93.63%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

739 of 739 Community banks match · 939 nationally

→ Stable +13 banks QoQ

Flatlined Growth

risk

#202 of 512 • Bottom 39.3% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature

Return on Assets: 0.90%

(Tier: 1.27%, National: 1.23%)

worse than tier avg

512 of 512 Community banks match · 687 nationally

→ Stable +32 banks QoQ

NIB Deposit Bleed

decline

#81 of 198 • Bottom 40.4% in tier

Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.

Why this signature

Noninterest-Bearing Deposit Share: 5.76%

(Tier: 22.02%, National: 22.01%)

worse than tier avg

198 of 198 Community banks match · 238 nationally

↓ Shrinking -31 banks QoQ

Cost Spiral

risk

#82 of 126 • Bottom 64.3% 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: 68.08%

(Tier: 65.29%, National: 66.95%)

worse than tier avg

126 of 126 Community banks match · 176 nationally

↑ Growing +82 banks QoQ

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 2664 peers in $100M-$1B

Top Strengths (1 metrics)

523

Total Loans

size

Value: $409.59M

Peer Median: $255.72M

#523 of 2664 Top 19.6% in $100M-$1B

Top Weaknesses (5 metrics)

2548

Non-Interest-Bearing Deposit Share

funding

Value: 5.76%

Peer Median: 22.02%

#2548 of 2664 Bottom 4.4% in $100M-$1B

2474

Nonperforming Asset Ratio

credit_quality

Value: 1.96%

Peer Median: 0.64%

#2474 of 2664 Bottom 7.2% in $100M-$1B

2430

Non-Interest Income / Assets

revenue_mix

Value: 0.03%

Peer Median: 0.28%

#2430 of 2664 Bottom 8.8% in $100M-$1B

2386

Delinquency Rate

credit_quality

Value: 2.26%

Peer Median: 0.89%

#2386 of 2654 Bottom 10.1% in $100M-$1B

2209

Loan-to-Deposit Ratio

liquidity

Value: 93.63%

Peer Median: 76.64%

#2209 of 2664 Bottom 17.1% in $100M-$1B