BlastPoint's Banking Scorecard
Savings Bank of Mendocino County
Designations: ✓ Community bank
Ukiah, CA
9 branches across CA
Savings Bank of Mendocino County has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.52% below tier average
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 15.7% in tier
- - Flatlined Growth: Bottom 21.3% in tier
- - ROA 0.28% below tier average
- - Efficiency Ratio 0.50% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.3B
-1.5% YoY
-3.7% QoQ
|
-$1.5B |
$2.8B
-0.1% YoY
|
$4.7B
+7.7% YoY
|
$6.2B
+9.1% YoY
|
23% |
| Total Loans ? |
$734.0M
+1.0% YoY
-0.1% QoQ
|
-$1.2B |
$2.0B
+0.6% YoY
|
$3.2B
+8.4% YoY
|
$3.2B
+10.8% YoY
|
Bottom 9.5% in tier |
| Total Deposits ? |
$1.0B
+1.7% YoY
+1.1% QoQ
|
-$1.3B |
$2.3B
-0.3% YoY
|
$3.9B
+7.0% YoY
|
$4.8B
+8.2% YoY
|
18% |
| Return on Assets ? |
1.08%
+31.9% YoY
+12.5% QoQ
|
-0.28% |
1.37%
+19.6% YoY
|
1.80%
+29.4% YoY
|
1.23%
+13.4% YoY
|
39% |
| Net Interest Margin ? |
3.77%
+13.1% YoY
+7.4% QoQ
|
-0.05% |
3.82%
+6.9% YoY
|
3.85%
+3.8% YoY
|
3.89%
+5.7% YoY
|
58% |
| Efficiency Ratio ? |
61.56%
-8.6% YoY
-8.5% QoQ
|
+0.50% |
61.06%
-4.6% YoY
|
68.78%
-8.1% YoY
|
66.95%
-4.1% YoY
|
44% |
| Delinquency Rate ? |
0.37%
+771.4% QoQ
|
-0.52% |
0.89%
+14.1% YoY
|
1.17%
+69.3% YoY
|
0.95%
+18.8% YoY
|
64% |
| Loan-to-Deposit Ratio ? |
70.54%
-0.7% YoY
-1.2% QoQ
|
-13.66% |
84.20%
+0.3% YoY
|
85.13%
+2.0% YoY
|
76.70%
+0.9% YoY
|
82% |
| Non-Interest-Bearing Deposit Share ? |
34.02%
+2.3% YoY
+4.1% QoQ
|
+12.73% |
21.29%
-2.5% YoY
|
25.15%
-3.9% YoY
|
22.01%
-1.2% YoY
|
Top 10.7% in tier |
| Nonperforming Asset Ratio ? |
0.21%
+803.7% QoQ
|
-0.46% |
0.67%
+15.6% YoY
|
0.91%
+65.9% YoY
|
0.67%
+19.3% YoY
|
72% |
| Tier 1 Capital Ratio ? |
17.43%
+4.9% YoY
+3.9% QoQ
|
+2.27% |
15.16%
+2.0% YoY
|
21.08%
-3.4% YoY
|
17.06%
+0.8% YoY
|
Top 13.6% in tier |
| Non-Interest Income / Assets ? |
0.08%
-2.9% YoY
-77.1% QoQ
|
-0.18% |
0.26%
+1.6% YoY
|
0.70%
+11.6% YoY
|
0.32%
+4.1% YoY
|
23% |
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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 (2)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.