BlastPoint's Banking Scorecard

Bank Irvine

$100M-$1B Specialty: Other CA FDIC cert 59296

Designations: ✓ Minority Depository Institution

Irvine, CA

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

Bank Irvine 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 10.36% below tier average

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 14.1% in tier
- Non-Interest Income / Assets 0.25% below tier average
- ROA 0.34% below tier average
- Net Interest Margin 0.64% below tier average

Get updates when Bank Irvine releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Total Assets ?	$306.5M +25.8% YoY +7.2% QoQ	-$79.6M	$386.1M +0.5% YoY	$4.7B +7.7% YoY	$6.2B +9.1% YoY	47%
Total Loans ?	$213.2M +12.7% YoY -1.5% QoQ	-$42.5M	$255.7M +1.1% YoY	$3.2B +8.4% YoY	$3.2B +10.8% YoY	52%
Total Deposits ?	$236.0M +34.2% YoY +9.0% QoQ	-$92.0M	$328.0M +0.1% YoY	$3.9B +7.0% YoY	$4.8B +8.2% YoY	42%
Return on Assets ?	0.92% +82.1% YoY +6.4% QoQ	-0.34%	1.27% +12.9% YoY	1.80% +29.4% YoY	1.23% +13.4% YoY	33%
Net Interest Margin ?	3.29% -11.2% YoY -13.3% QoQ	-0.64%	3.93% +6.0% YoY	3.85% +3.8% YoY	3.89% +5.7% YoY	21%
Efficiency Ratio ?	54.93% -19.0% YoY -4.9% QoQ	-10.36%	65.29% -4.5% YoY	68.78% -8.1% YoY	66.95% -4.1% YoY	74%
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 ?	90.34% -16.0% YoY -9.6% QoQ	+13.70%	76.64% +0.8% YoY	85.13% +2.0% YoY	76.70% +0.9% YoY	24%
Non-Interest-Bearing Deposit Share ?	9.72% +10.1% YoY -7.5% QoQ	-12.30%	22.02% -1.0% YoY	25.15% -3.9% YoY	22.01% -1.2% YoY	Bottom 10.2% 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 ?	23.07% -18.3% YoY -11.1% QoQ	+7.24%	15.83% +1.5% YoY	21.08% -3.4% YoY	17.06% +0.8% YoY	Top 8.3% in tier
Non-Interest Income / Assets ?	0.03% -54.8% QoQ	-0.25%	0.28% +9.3% YoY	0.70% +11.6% YoY	0.32% +4.1% YoY	Bottom 6.3% in tier

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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 (1)

Liquidity Overhang

risk

#105 of 739 • Bottom 14.1% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature

Tier 1 Capital Ratio: 23.07%

(Tier: 15.83%, National: 17.06%)

better than tier avg

Loan-to-Deposit Ratio: 90.34%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

739 of 739 Community banks match · 939 nationally

→ Stable +13 banks QoQ | QoQ rank declining

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 (3 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

222

Tier 1 Capital Ratio

capital

Value: 23.07%

Peer Median: 15.83%

#222 of 2664 Top 8.3% in $100M-$1B

Top Weaknesses (4 metrics)

2496

Non-Interest Income / Assets

revenue_mix

Value: 0.03%

Peer Median: 0.28%

#2496 of 2664 Bottom 6.3% in $100M-$1B

2392

Non-Interest-Bearing Deposit Share

funding

Value: 9.72%

Peer Median: 22.02%

#2392 of 2664 Bottom 10.2% in $100M-$1B

2096

Net Interest Margin

profitability

Value: 3.29%

Peer Median: 3.93%

#2096 of 2664 Bottom 21.4% in $100M-$1B

2038

Loan-to-Deposit Ratio

liquidity

Value: 90.34%

Peer Median: 76.64%

#2038 of 2664 Bottom 23.5% in $100M-$1B