BlastPoint's Banking Scorecard
Bank Irvine
Designations: ✓ Minority Depository Institution
Irvine, 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 +42.9% year over year ($234.7M on the books).
- Delinquency rate 0.00%.
- Return on assets 0.97%.
- Efficiency ratio 52.97% vs a 64.48% peer average.
- Loan-to-deposit ratio 100.42% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Bank Irvine has 3 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.92% below tier average
- + Nonperforming Asset Ratio 0.67% below tier average
- + Efficiency Ratio 11.51% below tier average
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 9.8% in tier
- - Non-Interest Income / Assets 0.53% below tier average
- - ROA 0.36% below tier average
- - Net Interest Margin 0.64% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$305.6M
+31.1% YoY
-0.3% QoQ
|
-$80.9M |
$386.6M
+1.2% YoY
|
$4.9B
+8.2% YoY
|
$6.3B
+7.7% YoY
|
47% |
| Total Loans ? |
$235.7M
+26.5% YoY
+10.6% QoQ
|
-$22.6M |
$258.3M
+1.7% YoY
|
$3.3B
+8.0% YoY
|
$3.2B
+9.4% YoY
|
56% |
| Total Deposits ? |
$234.7M
+42.9% YoY
-0.5% QoQ
|
-$92.0M |
$326.7M
+0.7% YoY
|
$4.0B
+7.9% YoY
|
$4.9B
+7.3% YoY
|
42% |
| Return on Assets ? |
0.97%
+5.1% YoY
+4.4% QoQ
|
-0.36% |
1.32%
+10.8% YoY
|
1.69%
+23.4% YoY
|
1.30%
+12.1% YoY
|
31% |
| Net Interest Margin ? |
3.34%
-14.3% YoY
+1.6% QoQ
|
-0.64% |
3.99%
+5.0% YoY
|
3.84%
+2.9% YoY
|
3.95%
+4.9% YoY
|
21% |
| Efficiency Ratio ? |
52.97%
-11.3% YoY
-3.6% QoQ
|
-11.51% |
64.48%
-3.2% YoY
|
64.67%
-10.5% YoY
|
70.05%
+2.5% YoY
|
77% |
| Delinquency Rate ? | 0.00% | -0.92% |
0.92%
+15.7% YoY
|
1.15%
+46.6% YoY
|
0.98%
+16.3% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
100.42%
-11.5% YoY
+11.2% QoQ
|
+22.47% |
77.95%
+1.0% YoY
|
86.69%
+1.8% YoY
|
79.03%
+2.3% YoY
|
Bottom 9.6% in tier |
| Non-Interest-Bearing Deposit Share ? |
13.28%
+64.2% YoY
+36.6% QoQ
|
-8.75% |
22.03%
-0.6% YoY
|
25.07%
-3.4% YoY
|
21.98%
-0.6% YoY
|
18% |
| Nonperforming Asset Ratio ? | 0.00% | -0.67% |
0.67%
+16.4% YoY
|
0.91%
+41.3% YoY
|
0.69%
+15.8% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
22.76%
-18.7% YoY
-1.3% QoQ
|
+6.85% |
15.91%
+1.4% YoY
|
20.69%
-2.9% YoY
|
17.09%
+0.8% YoY
|
Top 9.3% in tier |
| Non-Interest Income / Assets ? |
0.04%
-35.9% YoY
+47.3% QoQ
|
-0.53% |
0.57%
+7.6% YoY
|
1.26%
+3.5% YoY
|
0.66%
+5.2% YoY
|
Bottom 3.7% in tier |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 |
13.3%
+5.2pp YoY +3.6pp QoQ |
-8.9pp | 22.1% | 25.5% | 22.2% | 18% |
| Brokered Deposits | n/a | n/a | 7.9% | 11.0% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
12.0%
+5.1pp YoY +6.6pp QoQ |
+0.5pp | 11.6% | 11.8% | 12.5% | 64% |
| CRE | n/a | n/a | 39.5% | 67.5% | 41.4% | n/a |
| 1-4 Family |
61.1%
-2.7pp YoY -4.3pp QoQ |
+28.5pp | 32.6% | 16.5% | 31.3% | 90% |
| Consumer | n/a | n/a | 4.1% | 5.3% | 5.0% | n/a |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 23.7% | 19.7% | n/a |
| Leverage Ratio |
22.8%
-5.3pp YoY -0.3pp QoQ |
+10.6pp | 12.2% | 14.5% | 12.6% | 97% |
| Total Capital Ratio | n/a | n/a | 19.9% | 25.1% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
26
+1 (+4.0%) YoY -1 (-3.7%) QoQ |
-33 | 58 | 337 | 482 | 21% |
| Assets per Employee ($) |
$11.8M
+26.0% YoY +3.5% QoQ |
+$4.2M | $7.5M | $11.3M | $8.8M | 92% |
| Branch Count |
1
0 YoY 0 QoQ |
-4 | 4 | 15 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.3% | 0.4% | n/a |
| Nonaccrual | n/a | n/a | 0.9% | 1.4% | 1.0% | n/a |
| Allowance Coverage | n/a | n/a | 24.15x | 17.11x | 20.23x | n/a |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.1% | 0.3% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
4.2%
+0.3pp YoY +0.2pp QoQ |
-8.0pp | 12.2% | 8.2% | 11.6% | 11% |
| Cost of Funds (YTD) |
2.5%
-0.1pp YoY 0.0pp QoQ |
+0.8pp | 1.7% | 1.9% | 1.7% | 90% |
| Net Income ($, YTD) |
$1.4M
+36.8% YoY — QoQ |
-$1.1M | $2.6M | $28.5M | $40.4M | 40% |
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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 (0)
Concerns (1)
Liquidity Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.