BlastPoint's Banking Scorecard
Icon Business Bank
Designations: ✓ Minority Depository Institution
Riverside, CA
2 branches across CA
Icon Business Bank has 2 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.48% above tier average
- + Delinquency Rate 0.61% below tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 34.4% in tier
- - Return on Assets 2.15% below tier average
- - Efficiency Ratio 54.41% above tier average
- - Loan-to-Deposit Ratio 23.83% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$156.7M
+29.3% YoY
+6.6% QoQ
|
-$229.4M |
$386.1M
+0.5% YoY
|
$4.7B
+7.7% YoY
|
$6.2B
+9.1% YoY
|
16% |
| Total Loans ? |
$125.3M
+67.0% YoY
+7.1% QoQ
|
-$130.4M |
$255.7M
+1.1% YoY
|
$3.2B
+8.4% YoY
|
$3.2B
+10.8% YoY
|
28% |
| Total Deposits ? |
$124.7M
+22.6% YoY
-0.7% QoQ
|
-$203.2M |
$328.0M
+0.1% YoY
|
$3.9B
+7.0% YoY
|
$4.8B
+8.2% YoY
|
Bottom 13.4% in tier |
| Return on Assets ? |
-0.88%
+81.5% YoY
+71.8% QoQ
|
-2.15% |
1.27%
+12.9% YoY
|
1.80%
+29.4% YoY
|
1.23%
+13.4% YoY
|
Bottom 1.2% in tier |
| Net Interest Margin ? |
4.42%
+15.7% YoY
+11.7% QoQ
|
+0.48% |
3.93%
+6.0% YoY
|
3.85%
+3.8% YoY
|
3.89%
+5.7% YoY
|
79% |
| Efficiency Ratio ? |
119.69%
-43.2% YoY
-22.5% QoQ
|
+54.41% |
65.29%
-4.5% YoY
|
68.78%
-8.1% YoY
|
66.95%
-4.1% YoY
|
Bottom 0.8% in tier |
| Delinquency Rate ? |
0.27%
+133.1% QoQ
|
-0.61% |
0.89%
+18.8% YoY
|
1.17%
+69.3% YoY
|
0.95%
+18.8% YoY
|
59% |
| Loan-to-Deposit Ratio ? |
100.46%
+36.2% YoY
+7.9% QoQ
|
+23.83% |
76.64%
+0.8% YoY
|
85.13%
+2.0% YoY
|
76.70%
+0.9% YoY
|
Bottom 8.0% in tier |
| Non-Interest-Bearing Deposit Share ? |
21.28%
+36.8% YoY
+12.6% QoQ
|
-0.74% |
22.02%
-1.0% YoY
|
25.15%
-3.9% YoY
|
22.01%
-1.2% YoY
|
51% |
| Nonperforming Asset Ratio ? |
0.22%
+134.3% QoQ
|
-0.42% |
0.64%
+19.7% YoY
|
0.91%
+65.9% YoY
|
0.67%
+19.3% YoY
|
58% |
| Tier 1 Capital Ratio ? |
10.73%
-25.1% YoY
+32.4% QoQ
|
-5.10% |
15.83%
+1.5% YoY
|
21.08%
-3.4% YoY
|
17.06%
+0.8% YoY
|
19% |
| Non-Interest Income / Assets ? |
0.06%
+100.2% YoY
-84.3% QoQ
|
-0.22% |
0.28%
+9.3% YoY
|
0.70%
+11.6% YoY
|
0.32%
+4.1% YoY
|
29% |
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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)
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.