BlastPoint

BlastPoint's Banking Scorecard

Icon Business Bank

$100M-$1B Specialty: Commercial CA FDIC cert 59314

Designations: ✓ Minority Depository Institution

Riverside, CA

2 branches across 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 -6.4% year over year ($129.2M on the books).
  • Delinquency rate 0.22%.
  • Return on assets -0.88%.
  • Efficiency ratio 118.37% vs a 64.48% peer average.
  • Loan-to-deposit ratio 93.89% 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) →

Icon Business Bank has 2 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

  • + Net Interest Margin 0.40% above tier average
  • + Delinquency Rate 0.70% below tier average

Key Concerns

Areas that may need attention

  • - Capital Constraint: Bottom 21.5% in tier
  • - Credit Quality Pressure: Bottom 29.9% in tier
  • - Return on Assets 2.20% below tier average
  • - Efficiency Ratio 53.89% above tier average
Get updates when Icon Business 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 ? $155.5M
-0.3% YoY -0.7% QoQ
-$231.1M $386.6M
+1.2% YoY
$4.9B
+8.2% YoY
$6.3B
+7.7% YoY
16%
Total Loans ? $121.3M
+13.8% YoY -3.2% QoQ
-$137.0M $258.3M
+1.7% YoY
$3.3B
+8.0% YoY
$3.2B
+9.4% YoY
26%
Total Deposits ? $129.2M
-6.4% YoY +3.6% QoQ
-$197.5M $326.7M
+0.7% YoY
$4.0B
+7.9% YoY
$4.9B
+7.3% YoY
15%
Return on Assets ? -0.88%
+80.4% YoY +0.4% QoQ
-2.20% 1.32%
+10.8% YoY
1.69%
+23.4% YoY
1.30%
+12.1% YoY
Bottom 1.3% in tier
Net Interest Margin ? 4.39%
+23.3% YoY -0.6% QoQ
+0.40% 3.99%
+5.0% YoY
3.84%
+2.9% YoY
3.95%
+4.9% YoY
74%
Efficiency Ratio ? 118.37%
-40.8% YoY -1.1% QoQ
+53.89% 64.48%
-3.2% YoY
64.67%
-10.5% YoY
70.05%
+2.5% YoY
Bottom 1.0% in tier
Delinquency Rate ? 0.22%
+877.6% YoY -19.3% QoQ
-0.70% 0.92%
+15.7% YoY
1.15%
+46.6% YoY
0.98%
+16.3% YoY
64%
Loan-to-Deposit Ratio ? 93.89%
+21.6% YoY -6.5% QoQ
+15.94% 77.95%
+1.0% YoY
86.69%
+1.8% YoY
79.03%
+2.3% YoY
18%
Non-Interest-Bearing Deposit Share ? 24.60%
+12.5% YoY +15.6% QoQ
+2.57% 22.03%
-0.6% YoY
25.07%
-3.4% YoY
21.98%
-0.6% YoY
65%
Nonperforming Asset Ratio ? 0.17%
-21.4% QoQ
-0.50% 0.67%
+16.4% YoY
0.91%
+41.3% YoY
0.69%
+15.8% YoY
63%
Tier 1 Capital Ratio ? 11.94%
+12.7% YoY +11.3% QoQ
-3.97% 15.91%
+1.4% YoY
20.69%
-2.9% YoY
17.09%
+0.8% YoY
35%
Non-Interest Income / Assets ? 0.23%
+365.9% YoY +252.1% QoQ
-0.34% 0.57%
+7.6% YoY
1.26%
+3.5% YoY
0.66%
+5.2% YoY
58%

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 24.6%
+2.7pp YoY
+3.3pp QoQ
 +2.5pp 22.1% 25.5% 22.2% 64%
Brokered Deposits 0.7%
-4.4pp YoY
-3.8pp QoQ
 -7.2pp 7.9% 11.0% 8.5% 14%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
C&I 46.3%
+3.7pp YoY
+0.6pp QoQ
 +34.8pp 11.6% 11.8% 12.5% 99%
CRE n/a n/a 39.5% 67.5% 41.4% n/a
1-4 Family n/a n/a 32.6% 16.5% 31.3% n/a
Consumer 13.8%
-5.6pp YoY
-2.0pp QoQ
 +9.7pp 4.1% 5.3% 5.0% 95%

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 11.9%
+1.3pp YoY
+1.2pp QoQ
 -0.2pp 12.2% 14.5% 12.6% 64%
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
-5 (-16.1%) YoY
0 QoQ
 -33 58 337 482 21%
Assets per Employee ($) $6.0M
+18.9% YoY
-0.7% QoQ
 -$1.5M $7.5M $11.3M $8.8M 33%
Branch Count 2
0 YoY
0 QoQ
 -3 4 15 18 11%

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 0.2%
+0.2pp YoY
-0.1pp QoQ
 -0.7pp 0.9% 1.4% 1.0% 31%
Allowance Coverage 5.43x
-89.7% YoY
+21.7% QoQ
 -18.72x 24.15x 17.11x 20.23x 72%
Net Charge-off Rate (YTD) 0.1%
-0.3pp YoY
+0.2pp QoQ
 -0.1pp 0.1% 0.3% 0.2% 72%

Profitability

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
ROE -8.6%
+28.9pp YoY
+0.8pp QoQ
 -20.7pp 12.2% 8.2% 11.6% 1%
Cost of Funds (YTD) 2.5%
-0.7pp YoY
-0.1pp QoQ
 +0.8pp 1.7% 1.9% 1.7% 90%
Net Income ($, YTD) $-671000.0
+75.9% YoY
— QoQ
 -$3.2M $2.6M $28.5M $40.4M 2%

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 Constraint

risk
#24 of 107 • Bottom 21.5% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.

Why this signature
Loan-to-Deposit Ratio: 93.89%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
Tier 1 Capital Ratio: 11.94%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
107 of 107 Community banks match · 143 nationally
→ Stable -5 banks QoQ

Credit Quality Pressure

risk
#377 of 1256 • Bottom 29.9% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.22%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (5 metrics)

2618
Efficiency Ratio
profitability
Value: 118.37%
Peer Median: 64.48%
#2618 of 2643 Bottom 1.0% in $100M-$1B
2609
Return on Assets
profitability
Value: -0.88%
Peer Median: 1.32%
#2609 of 2643 Bottom 1.3% in $100M-$1B
2239
Total Deposits
size
Value: $129.19M
Peer Median: $326.73M
#2239 of 2643 Bottom 15.3% in $100M-$1B
2227
Total Assets
size
Value: $155.51M
Peer Median: $386.57M
#2227 of 2643 Bottom 15.8% in $100M-$1B
2162
Loan-to-Deposit Ratio
liquidity
Value: 93.89%
Peer Median: 77.95%
#2162 of 2643 Bottom 18.2% in $100M-$1B
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