BlastPoint's Banking Scorecard
Savings Bank of Mendocino County
Designations: ✓ Community bank
Ukiah, CA
9 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 885 banks in the $1B-$10B peer group nationwide — 1 of 49 in CA.
- Deposits +1.4% year over year ($1.0B on the books).
- Delinquency rate 0.37%.
- Return on assets 1.14%.
- Efficiency ratio 60.49% vs a 59.73% peer average.
- Loan-to-deposit ratio 70.42% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Savings Bank of Mendocino County has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 12.95% above tier average
- + Delinquency Rate 0.50% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.26% below tier average
- - Net Interest Margin 0.06% below tier average
- - Efficiency Ratio 0.76% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.3B
-3.3% YoY
-0.7% QoQ
|
-$1.5B |
$2.8B
-0.6% YoY
|
$4.9B
+8.2% YoY
|
$6.3B
+7.7% YoY
|
22% |
| Total Loans ? |
$730.6M
-1.8% YoY
-0.5% QoQ
|
-$1.2B |
$2.0B
-0.3% YoY
|
$3.3B
+8.0% YoY
|
$3.2B
+9.4% YoY
|
Bottom 9.3% in tier |
| Total Deposits ? |
$1.0B
+1.4% YoY
-0.3% QoQ
|
-$1.3B |
$2.3B
-0.5% YoY
|
$4.0B
+7.9% YoY
|
$4.9B
+7.3% YoY
|
18% |
| Return on Assets ? |
1.14%
+26.3% YoY
+4.9% QoQ
|
-0.26% |
1.39%
+17.0% YoY
|
1.69%
+23.4% YoY
|
1.30%
+12.1% YoY
|
40% |
| Net Interest Margin ? |
3.81%
+12.9% YoY
+1.1% QoQ
|
-0.06% |
3.87%
+6.2% YoY
|
3.84%
+2.9% YoY
|
3.95%
+4.9% YoY
|
56% |
| Efficiency Ratio ? |
60.49%
-7.9% YoY
-1.7% QoQ
|
+0.76% |
59.73%
-12.6% YoY
|
64.67%
-10.5% YoY
|
70.05%
+2.5% YoY
|
46% |
| Delinquency Rate ? |
0.37%
-1.0% QoQ
|
-0.50% |
0.87%
+11.7% YoY
|
1.15%
+46.6% YoY
|
0.98%
+16.3% YoY
|
64% |
| Loan-to-Deposit Ratio ? |
70.42%
-3.1% YoY
-0.2% QoQ
|
-14.61% |
85.04%
-0.1% YoY
|
86.69%
+1.8% YoY
|
79.03%
+2.3% YoY
|
84% |
| Non-Interest-Bearing Deposit Share ? |
34.22%
+3.2% YoY
+0.6% QoQ
|
+12.95% |
21.27%
-1.5% YoY
|
25.07%
-3.4% YoY
|
21.98%
-0.6% YoY
|
Top 9.5% in tier |
| Nonperforming Asset Ratio ? |
0.21%
-0.8% QoQ
|
-0.47% |
0.67%
+11.7% YoY
|
0.91%
+41.3% YoY
|
0.69%
+15.8% YoY
|
71% |
| Tier 1 Capital Ratio ? |
17.93%
+6.7% YoY
+2.9% QoQ
|
+3.09% |
14.84%
-0.4% YoY
|
20.69%
-2.9% YoY
|
17.09%
+0.8% YoY
|
Top 11.9% in tier |
| Non-Interest Income / Assets ? |
0.17%
-17.0% YoY
+108.2% QoQ
|
-0.36% |
0.53%
+2.5% YoY
|
1.26%
+3.5% YoY
|
0.66%
+5.2% YoY
|
24% |
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 |
34.2%
+1.1pp YoY +0.2pp QoQ |
+12.9pp | 21.4% | 25.5% | 22.2% | 90% |
| Brokered Deposits | n/a | n/a | 9.5% | 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 |
8.0%
-1.2pp YoY 0.0pp QoQ |
-6.0pp | 14.0% | 11.8% | 12.5% | 34% |
| CRE |
76.3%
+1.0pp YoY -0.2pp QoQ |
+26.3pp | 50.0% | 67.5% | 41.4% | 94% |
| 1-4 Family |
11.3%
+0.3pp YoY +0.3pp QoQ |
-15.1pp | 26.4% | 16.5% | 31.3% | 21% |
| Consumer |
4.4%
0.0pp YoY -0.1pp QoQ |
-0.3pp | 4.7% | 5.3% | 5.0% | 79% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 15.6% | 23.7% | 19.7% | n/a |
| Leverage Ratio |
17.9%
+1.1pp YoY +0.5pp QoQ |
+6.6pp | 11.3% | 14.5% | 12.6% | 97% |
| Total Capital Ratio | n/a | n/a | 16.7% | 25.1% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
163
-4 (-2.4%) YoY 0 QoQ |
-151 | 313 | 337 | 482 | 28% |
| Assets per Employee ($) |
$7.9M
-1.0% YoY -0.7% QoQ |
-$2.6M | $10.5M | $11.3M | $8.8M | 38% |
| Branch Count |
9
0 YoY 0 QoQ |
-11 | 20 | 15 | 18 | 25% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
0.0pp QoQ |
-0.1pp | 0.2% | 0.3% | 0.4% | 49% |
| Nonaccrual |
0.3%
+0.3pp YoY 0.0pp QoQ |
-0.5pp | 0.8% | 1.4% | 1.0% | 34% |
| Allowance Coverage |
6.92x
-94.4% YoY +1.8% QoQ |
-11.79x | 18.71x | 17.11x | 20.23x | 83% |
| Net Charge-off Rate (YTD) |
-0.0%
0.0pp YoY |
-0.3pp | 0.3% | 0.3% | 0.2% | 6% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
8.2%
+0.7pp YoY +0.2pp QoQ |
-4.4pp | 12.6% | 8.2% | 11.6% | 20% |
| Cost of Funds (YTD) |
0.9%
-0.3pp YoY -0.1pp QoQ |
-1.0pp | 1.9% | 1.9% | 1.7% | 4% |
| Net Income ($, YTD) |
$7.4M
+25.4% YoY — QoQ |
-$11.8M | $19.2M | $28.5M | $40.4M | 26% |
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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 (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.