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Partners Bank of California

$100M-$1B Specialty: Commercial CA FDIC cert 58588

Mission Viejo, CA

2 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 -11.9% year over year ($509.0M on the books).
  • Delinquency rate 0.00%.
  • Return on assets 1.26%.
  • Efficiency ratio 49.53% vs a 64.48% peer average.
  • Loan-to-deposit ratio 97.33% vs a 77.95% peer average.

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

2643 banks in the $100M-$1B peer group nationally 53 in CA
View $100M-$1B leaderboard (CA) →

Partners Bank of California has 3 strengths 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

  • + Credit Quality Leader: Top 49.9% in tier
  • + Nonperforming Asset Ratio 0.67% below tier average
  • + Efficiency Ratio 14.95% below tier average

Key Concerns

Areas that may need attention

  • - Capital Constraint: Bottom 44.9% in tier
  • - Non-Interest Income / Assets 0.53% below tier average
  • - ROA 0.06% below tier average
  • - Net Interest Margin 0.15% below tier average
Get updates when Partners Bank of California releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Total Assets ? $602.2M
-10.0% YoY -2.0% QoQ
+$215.6M $386.6M
+1.2% YoY
$4.9B
+8.2% YoY
$6.3B
+7.7% YoY
81%
Total Loans ? $495.4M
+20.8% YoY +5.0% QoQ
+$237.1M $258.3M
+1.7% YoY
$3.3B
+8.0% YoY
$3.2B
+9.4% YoY
Top 11.8% in tier
Total Deposits ? $509.0M
-11.9% YoY +5.6% QoQ
+$182.3M $326.7M
+0.7% YoY
$4.0B
+7.9% YoY
$4.9B
+7.3% YoY
81%
Return on Assets ? 1.26%
+67.3% YoY +6.3% QoQ
-0.06% 1.32%
+10.8% YoY
1.69%
+23.4% YoY
1.30%
+12.1% YoY
51%
Net Interest Margin ? 3.83%
+26.5% YoY +1.1% QoQ
-0.15% 3.99%
+5.0% YoY
3.84%
+2.9% YoY
3.95%
+4.9% YoY
44%
Efficiency Ratio ? 49.53%
-11.5% YoY -0.5% QoQ
-14.95% 64.48%
-3.2% YoY
64.67%
-10.5% YoY
70.05%
+2.5% YoY
84%
Delinquency Rate ? 0.00% -0.92% 0.92%
+15.7% YoY
1.15%
+46.6% YoY
0.98%
+16.3% YoY
Top 0.1% in tier
Loan-to-Deposit Ratio ? 97.33%
+37.1% YoY -0.6% QoQ
+19.38% 77.95%
+1.0% YoY
86.69%
+1.8% YoY
79.03%
+2.3% YoY
Bottom 13.2% in tier
Non-Interest-Bearing Deposit Share ? 31.05%
+13.0% YoY -6.3% QoQ
+9.02% 22.03%
-0.6% YoY
25.07%
-3.4% YoY
21.98%
-0.6% YoY
84%
Nonperforming Asset Ratio ? 0.00% -0.67% 0.67%
+16.4% YoY
0.91%
+41.3% YoY
0.69%
+15.8% YoY
Top 0.1% in tier
Tier 1 Capital Ratio ? 13.70%
-5.0% YoY -3.1% QoQ
-2.20% 15.91%
+1.4% YoY
20.69%
-2.9% YoY
17.09%
+0.8% YoY
55%
Non-Interest Income / Assets ? 0.04%
+17.3% YoY +99.3% QoQ
-0.53% 0.57%
+7.6% YoY
1.26%
+3.5% YoY
0.66%
+5.2% YoY
Bottom 4.2% 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 31.0%
+3.6pp YoY
-2.1pp QoQ
 +8.9pp 22.1% 25.5% 22.2% 84%
Brokered Deposits 14.1%
+3.9pp YoY
0.0pp QoQ
 +6.2pp 7.9% 11.0% 8.5% 84%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
C&I 7.1%
-2.3pp YoY
-2.7pp QoQ
 -4.5pp 11.6% 11.8% 12.5% 33%
CRE 82.3%
+1.0pp YoY
+0.5pp QoQ
 +42.7pp 39.5% 67.5% 41.4% 98%
1-4 Family 12.9%
+1.3pp YoY
+2.1pp QoQ
 -19.7pp 32.6% 16.5% 31.3% 16%
Consumer n/a n/a 4.1% 5.3% 5.0% n/a

Capital

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
CET1 Ratio 13.7%
-0.7pp YoY
-0.5pp QoQ
 -5.1pp 18.8% 23.7% 19.7% 36%
Leverage Ratio 11.7%
+2.4pp YoY
+2.1pp QoQ
 -0.5pp 12.2% 14.5% 12.6% 61%
Total Capital Ratio 15.0%
-0.7pp YoY
-0.4pp QoQ
 -5.0pp 19.9% 25.1% 20.8% 37%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Full-Time Employees 47
+2 (+4.4%) YoY
0 QoQ
 -12 58 337 482 49%
Assets per Employee ($) $12.8M
-13.8% YoY
-2.0% QoQ
 +$5.3M $7.5M $11.3M $8.8M 94%
Branch Count 2
0 YoY
0 QoQ
 -3 4 15 18 11%

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 n/a n/a 0.9% 1.4% 1.0% n/a
Allowance Coverage n/a n/a 24.15x 17.11x 20.23x n/a
Net Charge-off Rate (YTD) n/a n/a 0.1% 0.3% 0.2% n/a

Profitability

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
ROE 12.3%
+3.7pp YoY
+0.2pp QoQ
 +0.1pp 12.2% 8.2% 11.6% 51%
Cost of Funds (YTD) 1.8%
-0.3pp YoY
-0.1pp QoQ
 +0.1pp 1.7% 1.9% 1.7% 58%
Net Income ($, YTD) $4.1M
+62.8% YoY
— QoQ
 +$1.5M $2.6M $28.5M $40.4M 81%

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)

Credit Quality Leader

growth
#330 of 659 • Top 49.9% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature
Delinquency Rate: 0.00%
(Tier: 0.92%, National: 0.98%)
better than tier avg
659 of 659 Community banks match · 920 nationally
→ Stable +1 banks QoQ | QoQ rank improving

Concerns (1)

Capital Constraint

risk
#49 of 107 • Bottom 44.9% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.

Why this signature
Loan-to-Deposit Ratio: 97.33%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
Tier 1 Capital Ratio: 13.70%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
107 of 107 Community banks match · 143 nationally
→ Stable -5 banks QoQ | QoQ rank improving

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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (7 metrics)

1
Delinquency Rate
credit_quality
Value: 0.00%
Peer Median: 0.92%
#1 of 2633 Top 0.1% in $100M-$1B
1
Nonperforming Asset Ratio
credit_quality
Value: 0.00%
Peer Median: 0.67%
#1 of 2643 Top 0.1% in $100M-$1B
312
Total Loans
size
Value: $495.42M
Peer Median: $258.35M
#312 of 2643 Top 11.8% in $100M-$1B
415
Non-Interest-Bearing Deposit Share
funding
Value: 31.05%
Peer Median: 22.03%
#415 of 2643 Top 15.7% in $100M-$1B
424
Efficiency Ratio
profitability
Value: 49.53%
Peer Median: 64.48%
#424 of 2643 Top 16.0% in $100M-$1B
508
Total Assets
size
Value: $602.15M
Peer Median: $386.57M
#508 of 2643 Top 19.2% in $100M-$1B
509
Total Deposits
size
Value: $508.99M
Peer Median: $326.73M
#509 of 2643 Top 19.2% in $100M-$1B

Top Weaknesses (2 metrics)

2533
Non-Interest Income / Assets
revenue_mix
Value: 0.04%
Peer Median: 0.57%
#2533 of 2643 Bottom 4.2% in $100M-$1B
2296
Loan-to-Deposit Ratio
liquidity
Value: 97.33%
Peer Median: 77.95%
#2296 of 2643 Bottom 13.2% in $100M-$1B
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