BlastPoint's Banking Scorecard

Nano Banc

$100M-$1B Specialty: Commercial CA FDIC cert 58590

Irvine, CA

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

Nano Banc has 1 strength but faces 7 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

+ Non-Interest-Bearing Deposit Share 21.82% above tier average

Key Concerns

Areas that may need attention

- Capital Thin: Bottom 1.5% in tier
- Deposit Outflow: Bottom 2.4% in tier
- Return on Assets 1.37% below tier average
- Net Interest Margin 1.36% below tier average
- Efficiency Ratio 51.37% above tier average
- Delinquency Rate 20.21% above tier average
- Nonperforming Asset Ratio 11.56% above 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 ?	$859.6M -13.7% YoY -1.7% QoQ	+$473.5M	$386.1M +0.5% YoY	$4.7B +7.7% YoY	$6.2B +9.1% YoY	Top 5.3% in tier
Total Loans ?	$497.0M -21.3% YoY -5.9% QoQ	+$241.3M	$255.7M +1.1% YoY	$3.2B +8.4% YoY	$3.2B +10.8% YoY	Top 11.2% in tier
Total Deposits ?	$789.7M -9.2% YoY +7.8% QoQ	+$461.7M	$328.0M +0.1% YoY	$3.9B +7.0% YoY	$4.8B +8.2% YoY	Top 2.8% in tier
Return on Assets ?	-0.10% -1.4% YoY +98.5% QoQ	-1.37%	1.27% +12.9% YoY	1.80% +29.4% YoY	1.23% +13.4% YoY	Bottom 3.2% in tier
Net Interest Margin ?	2.57% -33.1% YoY -20.9% QoQ	-1.36%	3.93% +6.0% YoY	3.85% +3.8% YoY	3.89% +5.7% YoY	Bottom 3.6% in tier
Efficiency Ratio ?	116.66% +17.1% YoY -41.0% QoQ	+51.37%	65.29% -4.5% YoY	68.78% -8.1% YoY	66.95% -4.1% YoY	Bottom 1.0% in tier
Delinquency Rate ?	21.10% -15.3% QoQ	+20.21%	0.89% +18.8% YoY	1.17% +69.3% YoY	0.95% +18.8% YoY	Bottom 0.1% in tier
Loan-to-Deposit Ratio ?	62.93% -13.3% YoY -12.7% QoQ	-13.70%	76.64% +0.8% YoY	85.13% +2.0% YoY	76.70% +0.9% YoY	78%
Non-Interest-Bearing Deposit Share ?	43.84% -11.1% YoY -3.1% QoQ	+21.82%	22.02% -1.0% YoY	25.15% -3.9% YoY	22.01% -1.2% YoY	Top 3.2% in tier
Nonperforming Asset Ratio ?	12.20% +947.9% YoY -18.9% QoQ	+11.56%	0.64% +19.7% YoY	0.91% +65.9% YoY	0.67% +19.3% YoY	Bottom 0.1% in tier
Tier 1 Capital Ratio ?	9.98% -43.1% YoY +13.3% QoQ	-5.85%	15.83% +1.5% YoY	21.08% -3.4% YoY	17.06% +0.8% YoY	Bottom 9.6% in tier
Non-Interest Income / Assets ?	0.10% -35.0% YoY -84.2% QoQ	-0.18%	0.28% +9.3% YoY	0.70% +11.6% YoY	0.32% +4.1% YoY	51%

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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 (2)

Capital Thin

risk

#11 of 666 • Bottom 1.5% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature

Tier 1 Capital Ratio: 9.98%

(Tier: 15.83%, National: 17.06%)

worse than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank declining

Deposit Outflow

decline

#13 of 506 • Bottom 2.4% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

506 of 506 Community banks match · 656 nationally

→ Stable -8 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).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (5 metrics)

Total Deposits

size

Value: $789.70M

Peer Median: $327.97M

#76 of 2664 Top 2.8% in $100M-$1B

Non-Interest-Bearing Deposit Share

funding

Value: 43.84%

Peer Median: 22.02%

#85 of 2664 Top 3.2% in $100M-$1B

143

Total Assets

size

Value: $859.58M

Peer Median: $386.08M

#143 of 2664 Top 5.3% in $100M-$1B

299

Total Loans

size

Value: $496.99M

Peer Median: $255.72M

#299 of 2664 Top 11.2% in $100M-$1B

598

Loan-to-Deposit Ratio

liquidity

Value: 62.93%

Peer Median: 76.64%

#598 of 2664 Top 22.4% in $100M-$1B

Top Weaknesses (6 metrics)

2654

Delinquency Rate

credit_quality

Value: 21.10%

Peer Median: 0.89%

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

2663

Nonperforming Asset Ratio

credit_quality

Value: 12.20%

Peer Median: 0.64%

#2663 of 2664 Bottom 0.1% in $100M-$1B

2639

Efficiency Ratio

profitability

Value: 116.66%

Peer Median: 65.29%

#2639 of 2664 Bottom 1.0% in $100M-$1B

2581

Return on Assets

profitability

Value: -0.10%

Peer Median: 1.27%

#2581 of 2664 Bottom 3.2% in $100M-$1B

2569

Net Interest Margin

profitability

Value: 2.57%

Peer Median: 3.93%

#2569 of 2664 Bottom 3.6% in $100M-$1B

2410

Tier 1 Capital Ratio

capital

Value: 9.98%

Peer Median: 15.83%

#2410 of 2664 Bottom 9.6% in $100M-$1B