BlastPoint's Banking Scorecard
Infinity Bank
Santa Ana, CA
Infinity Bank has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Deposit Franchise: Top 7.0% in tier
- + ROA 0.13% above tier average
- + Efficiency Ratio 8.22% below tier average
Key Concerns
Areas that may need attention
- - Delinquency Rate 0.22% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$392.9M
+16.0% YoY
+10.4% QoQ
|
+$6.8M |
$386.1M
+0.5% YoY
|
$4.7B
+7.7% YoY
|
$6.2B
+9.1% YoY
|
60% |
| Total Loans ? |
$220.1M
-0.3% YoY
-2.7% QoQ
|
-$35.7M |
$255.7M
+1.1% YoY
|
$3.2B
+8.4% YoY
|
$3.2B
+10.8% YoY
|
53% |
| Total Deposits ? |
$343.7M
+18.9% YoY
+13.6% QoQ
|
+$15.7M |
$328.0M
+0.1% YoY
|
$3.9B
+7.0% YoY
|
$4.8B
+8.2% YoY
|
62% |
| Return on Assets ? |
1.40%
-6.6% YoY
-12.3% QoQ
|
+0.13% |
1.27%
+12.9% YoY
|
1.80%
+29.4% YoY
|
1.23%
+13.4% YoY
|
62% |
| Net Interest Margin ? |
5.30%
-4.7% YoY
-5.4% QoQ
|
+1.37% |
3.93%
+6.0% YoY
|
3.85%
+3.8% YoY
|
3.89%
+5.7% YoY
|
Top 4.3% in tier |
| Efficiency Ratio ? |
57.07%
+0.1% YoY
-0.7% QoQ
|
-8.22% |
65.29%
-4.5% YoY
|
68.78%
-8.1% YoY
|
66.95%
-4.1% YoY
|
68% |
| Delinquency Rate ? |
1.11%
+349.9% YoY
-33.8% QoQ
|
+0.22% |
0.89%
+18.8% YoY
|
1.17%
+69.3% YoY
|
0.95%
+18.8% YoY
|
26% |
| Loan-to-Deposit Ratio ? |
64.04%
-16.1% YoY
-14.3% QoQ
|
-12.60% |
76.64%
+0.8% YoY
|
85.13%
+2.0% YoY
|
76.70%
+0.9% YoY
|
76% |
| Non-Interest-Bearing Deposit Share ? |
49.84%
-9.5% YoY
-13.5% QoQ
|
+27.82% |
22.02%
-1.0% YoY
|
25.15%
-3.9% YoY
|
22.01%
-1.2% YoY
|
Top 1.6% in tier |
| Nonperforming Asset Ratio ? |
0.62%
+286.7% YoY
-41.6% QoQ
|
-0.02% |
0.64%
+19.7% YoY
|
0.91%
+65.9% YoY
|
0.67%
+19.3% YoY
|
32% |
| Tier 1 Capital Ratio ? |
16.67%
+6.4% YoY
+3.0% QoQ
|
+0.84% |
15.83%
+1.5% YoY
|
21.08%
-3.4% YoY
|
17.06%
+0.8% YoY
|
76% |
| Non-Interest Income / Assets ? |
0.03%
+3.7% YoY
-76.9% QoQ
|
-0.25% |
0.28%
+9.3% YoY
|
0.70%
+11.6% YoY
|
0.32%
+4.1% YoY
|
Bottom 10.5% in tier |
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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 (1)
Deposit Franchise
growthTop-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.