BlastPoint's Banking Scorecard

Infinity Bank

$100M-$1B Specialty: Commercial CA FDIC cert 59098

Santa Ana, 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 +6.5% year over year ($310.5M on the books).
Delinquency rate 0.97%.
Return on assets 1.48%.
Efficiency ratio 57.07% vs a 64.48% peer average.
Loan-to-deposit ratio 80.94% 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) →

Infinity Bank has 3 strengths but faces 1 concern

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

+ Deposit Franchise: Top 6.1% in tier
+ ROA 0.16% above tier average
+ Efficiency Ratio 7.41% below tier average

Key Concerns

Areas that may need attention

- Margin Compression: Bottom 68.1% in tier

Get updates when Infinity Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Total Assets ?	$359.5M +6.7% YoY -8.5% QoQ	-$27.1M	$386.6M +1.2% YoY	$4.9B +8.2% YoY	$6.3B +7.7% YoY	56%
Total Loans ?	$251.3M +15.4% YoY +14.2% QoQ	-$7.0M	$258.3M +1.7% YoY	$3.3B +8.0% YoY	$3.2B +9.4% YoY	59%
Total Deposits ?	$310.5M +6.5% YoY -9.7% QoQ	-$16.3M	$326.7M +0.7% YoY	$4.0B +7.9% YoY	$4.9B +7.3% YoY	57%
Return on Assets ?	1.48% -7.2% YoY +5.4% QoQ	+0.16%	1.32% +10.8% YoY	1.69% +23.4% YoY	1.30% +12.1% YoY	64%
Net Interest Margin ?	5.40% -4.4% YoY +2.0% QoQ	+1.42%	3.99% +5.0% YoY	3.84% +2.9% YoY	3.95% +4.9% YoY	Top 3.6% in tier
Efficiency Ratio ?	57.07% -0.0% YoY -0.0% QoQ	-7.41%	64.48% -3.2% YoY	64.67% -10.5% YoY	70.05% +2.5% YoY	66%
Delinquency Rate ?	0.97% +296.9% YoY -12.6% QoQ	+0.05%	0.92% +15.7% YoY	1.15% +46.6% YoY	0.98% +16.3% YoY	29%
Loan-to-Deposit Ratio ?	80.94% +8.4% YoY +26.4% QoQ	+2.99%	77.95% +1.0% YoY	86.69% +1.8% YoY	79.03% +2.3% YoY	47%
Non-Interest-Bearing Deposit Share ?	57.00% -4.0% YoY +14.4% QoQ	+34.97%	22.03% -0.6% YoY	25.07% -3.4% YoY	21.98% -0.6% YoY	Top 0.9% in tier
Nonperforming Asset Ratio ?	0.68% +329.4% YoY +9.1% QoQ	+0.01%	0.67% +16.4% YoY	0.91% +41.3% YoY	0.69% +15.8% YoY	31%
Tier 1 Capital Ratio ?	15.31% -8.1% YoY -8.2% QoQ	-0.60%	15.91% +1.4% YoY	20.69% -2.9% YoY	17.09% +0.8% YoY	68%
Non-Interest Income / Assets ?	0.09% +17.1% YoY +149.9% QoQ	-0.48%	0.57% +7.6% YoY	1.26% +3.5% YoY	0.66% +5.2% YoY	Bottom 14.6% 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	57.0% -2.3pp YoY +7.2pp QoQ	+34.9pp	22.1%	25.5%	22.2%	99%
Brokered Deposits	3.2%	-4.6pp	7.9%	11.0%	8.5%	40%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
C&I	39.3% +0.2pp YoY +2.3pp QoQ	+27.7pp	11.6%	11.8%	12.5%	98%
CRE	32.1% -4.0pp YoY -2.2pp QoQ	-7.5pp	39.5%	67.5%	41.4%	38%
1-4 Family	21.5% +2.6pp YoY -0.2pp QoQ	-11.1pp	32.6%	16.5%	31.3%	33%
Consumer	8.6% +1.0pp YoY -0.1pp QoQ	+4.5pp	4.1%	5.3%	5.0%	90%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
CET1 Ratio	15.3% -1.4pp YoY -1.4pp QoQ	-3.5pp	18.8%	23.7%	19.7%	52%
Leverage Ratio	13.0% +0.3pp YoY +0.4pp QoQ	+0.9pp	12.2%	14.5%	12.6%	75%
Total Capital Ratio	17.9% -1.6pp YoY -1.5pp QoQ	-2.0pp	19.9%	25.1%	20.8%	63%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Full-Time Employees	36 +1 (+2.9%) YoY 0 QoQ	-23	58	337	482	36%
Assets per Employee ($)	$10.0M +3.7% YoY -8.5% QoQ	+$2.5M	$7.5M	$11.3M	$8.8M	86%
Branch Count	1 0 YoY 0 QoQ	-4	4	15	18	0%

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	1.0% +0.7pp YoY -0.1pp QoQ	0.0pp	0.9%	1.4%	1.0%	71%
Allowance Coverage	1.58x -76.7% YoY +5.8% QoQ	-22.57x	24.15x	17.11x	20.23x	41%
Net Charge-off Rate (YTD)	0.2% 0.0pp YoY -0.2pp QoQ	0.0pp	0.1%	0.3%	0.2%	83%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
ROE	12.8% -1.4pp YoY +0.4pp QoQ	+0.6pp	12.2%	8.2%	11.6%	55%
Cost of Funds (YTD)	1.1% -0.3pp YoY 0.0pp QoQ	-0.6pp	1.7%	1.9%	1.7%	12%
Net Income ($, YTD)	$2.7M +2.0% YoY — QoQ	+$178K	$2.6M	$28.5M	$40.4M	66%

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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 (1)

Deposit Franchise

growth

#18 of 278 • Top 6.1% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature

Noninterest-Bearing Deposit Share: 57.00%

(Tier: 22.03%, National: 21.98%)

better than tier avg

Net Interest Margin: 5.40%

(Tier: 3.99%, National: 3.95%)

better than tier avg

278 of 278 Community banks match · 368 nationally

→ Stable -1 banks QoQ | QoQ rank improving

Concerns (1)

Margin Compression

decline

#210 of 307 • Bottom 68.1% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature

Return on Assets: 1.48%

(Tier: 1.32%, National: 1.30%)

better than tier avg

307 of 307 Community banks match · 413 nationally

→ Stable +8 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 2643 peers in $100M-$1B

Top Strengths (2 metrics)

Non-Interest-Bearing Deposit Share

funding

Value: 57.00%

Peer Median: 22.03%

#24 of 2643 Top 0.9% in $100M-$1B

Net Interest Margin

profitability

Value: 5.40%

Peer Median: 3.99%

#97 of 2643 Top 3.6% in $100M-$1B

Top Weaknesses (1 metrics)

2258

Non-Interest Income / Assets

revenue_mix

Value: 0.09%

Peer Median: 0.57%

#2258 of 2643 Bottom 14.6% in $100M-$1B