BlastPoint's Banking Scorecard

Partners Bank of California

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

Mission Viejo, CA

2 branches across CA

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

+ Delinquency Rate 0.89% below tier average
+ Nonperforming Asset Ratio 0.64% below tier average
+ Efficiency Ratio 15.51% below tier average

Key Concerns

Areas that may need attention

- Capital Constraint: Bottom 51.9% in tier
- Non-Interest Income / Assets 0.26% below tier average
- ROA 0.08% below tier average
- Net Interest Margin 0.14% below tier average

Get updates when Partners Bank of California releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Total Assets ?	$614.5M -5.5% YoY -13.8% QoQ	+$228.5M	$386.1M +0.5% YoY	$4.7B +7.7% YoY	$6.2B +9.1% YoY	81%
Total Loans ?	$472.0M +22.6% YoY +1.7% QoQ	+$216.3M	$255.7M +1.1% YoY	$3.2B +8.4% YoY	$3.2B +10.8% YoY	Top 13.6% in tier
Total Deposits ?	$482.2M -14.5% YoY -21.8% QoQ	+$154.2M	$328.0M +0.1% YoY	$3.9B +7.0% YoY	$4.8B +8.2% YoY	78%
Return on Assets ?	1.19% +54.5% YoY +37.4% QoQ	-0.08%	1.27% +12.9% YoY	1.80% +29.4% YoY	1.23% +13.4% YoY	49%
Net Interest Margin ?	3.79% +27.3% YoY +17.9% QoQ	-0.14%	3.93% +6.0% YoY	3.85% +3.8% YoY	3.89% +5.7% YoY	46%
Efficiency Ratio ?	49.78% -14.4% YoY -5.5% QoQ	-15.51%	65.29% -4.5% YoY	68.78% -8.1% YoY	66.95% -4.1% YoY	84%
Delinquency Rate ?	0.00%	-0.89%	0.89% +18.8% YoY	1.17% +69.3% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	97.89% +43.3% YoY +30.1% QoQ	+21.25%	76.64% +0.8% YoY	85.13% +2.0% YoY	76.70% +0.9% YoY	Bottom 11.1% in tier
Non-Interest-Bearing Deposit Share ?	33.15% +18.7% YoY +26.1% QoQ	+11.13%	22.02% -1.0% YoY	25.15% -3.9% YoY	22.01% -1.2% YoY	Top 12.2% in tier
Nonperforming Asset Ratio ?	0.00%	-0.64%	0.64% +19.7% YoY	0.91% +65.9% YoY	0.67% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	14.15% -4.9% YoY +2.9% QoQ	-1.68%	15.83% +1.5% YoY	21.08% -3.4% YoY	17.06% +0.8% YoY	58%
Non-Interest Income / Assets ?	0.02% +12.0% YoY -68.6% QoQ	-0.26%	0.28% +9.3% YoY	0.70% +11.6% YoY	0.32% +4.1% YoY	Bottom 4.5% in tier

Get Full Access to Partners Bank of California

Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free

$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

Want to see an example first? Preview JPMorgan Chase's scorecard →

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 (1)

Capital Constraint

risk

#57 of 108 • Bottom 51.9% 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: 97.89%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

Tier 1 Capital Ratio: 14.15%

(Tier: 15.83%, National: 17.06%)

worse than tier avg

108 of 108 Community banks match · 148 nationally

↑ Growing +19 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 (7 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.89%

#1 of 2654 Top 0.1% in $100M-$1B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.64%

#1 of 2664 Top 0.1% in $100M-$1B

327

Non-Interest-Bearing Deposit Share

funding

Value: 33.15%

Peer Median: 22.02%

#327 of 2664 Top 12.2% in $100M-$1B

363

Total Loans

size

Value: $471.99M

Peer Median: $255.72M

#363 of 2664 Top 13.6% in $100M-$1B

416

Efficiency Ratio

profitability

Value: 49.78%

Peer Median: 65.29%

#416 of 2664 Top 15.6% in $100M-$1B

494

Total Assets

size

Value: $614.54M

Peer Median: $386.08M

#494 of 2664 Top 18.5% in $100M-$1B

592

Total Deposits

size

Value: $482.19M

Peer Median: $327.97M

#592 of 2664 Top 22.2% in $100M-$1B

Top Weaknesses (2 metrics)

2544

Non-Interest Income / Assets

revenue_mix

Value: 0.02%

Peer Median: 0.28%

#2544 of 2664 Bottom 4.5% in $100M-$1B

2369

Loan-to-Deposit Ratio

liquidity

Value: 97.89%

Peer Median: 76.64%

#2369 of 2664 Bottom 11.1% in $100M-$1B