BlastPoint's Banking Scorecard
Bank of Stockton
Community
Specialty: Commercial
CA
FDIC cert 1536
Stockton, CA
1484
banks in Community tier nationally
59 in CA
View Community leaderboard (CA) →
Bank of Stockton shows strong momentum with 1 strength and 7.5% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 5% in Community
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$4.8B
+7.5% YoY
+0.8% QoQ
|
+$3.4B |
$1.4B
+2.0% YoY
|
$4.7B
+7.1% YoY
|
$5.9B
+6.5% YoY
|
Top 1% in tier |
| Total Loans ? |
$2.4B
+4.2% YoY
+3.1% QoQ
|
+$1.4B |
$975.5M
+2.4% YoY
|
$3.2B
+8.7% YoY
|
$3.1B
+8.5% YoY
|
Top 6% in tier |
| Total Deposits ? |
$3.7B
+5.0% YoY
+1.1% QoQ
|
+$2.6B |
$1.2B
+1.7% YoY
|
$3.9B
+6.8% YoY
|
$4.7B
+6.3% YoY
|
Top 2% in tier |
| Return on Assets ? |
2.34%
+30.3% YoY
-25.0% QoQ
|
+1.18% |
1.16%
+17.2% YoY
|
0.96%
+10.8% YoY
|
1.12%
+15.6% YoY
|
Top 4% in tier |
| Net Interest Margin ? |
3.42%
+9.3% YoY
+2.2% QoQ
|
-0.24% |
3.66%
+9.1% YoY
|
3.80%
+7.5% YoY
|
3.75%
+7.1% YoY
|
38% |
| Efficiency Ratio ? |
53.30%
-7.0% YoY
+2.4% QoQ
|
-9.34% |
62.63%
-5.3% YoY
|
61.43%
-2.7% YoY
|
65.09%
-5.1% YoY
|
77% |
| Delinquency Rate ? |
0.08%
-50.6% YoY
+3.8% QoQ
|
-0.55% |
0.63%
+18.3% YoY
|
0.69%
+31.8% YoY
|
0.66%
+20.3% YoY
|
83% |
| Loan-to-Deposit Ratio ? |
63.95%
-0.8% YoY
+2.0% QoQ
|
-19.11% |
83.06%
+0.3% YoY
|
85.48%
+0.3% YoY
|
78.04%
+0.7% YoY
|
Bottom 12% in tier |
| Non-Interest-Bearing Deposit Share ? |
28.42%
-3.8% YoY
+3.6% QoQ
|
+7.37% |
21.05%
-0.9% YoY
|
25.54%
-3.2% YoY
|
21.79%
-1.3% YoY
|
81% |
| Nonperforming Asset Ratio ? |
0.04%
-52.1% YoY
+6.2% QoQ
|
-0.46% |
0.50%
+20.3% YoY
|
0.51%
+32.9% YoY
|
0.48%
+20.8% YoY
|
Top 12% in tier |
| Tier 1 Capital Ratio ? |
18.10%
+4.2% YoY
-1.2% QoQ
|
+7.85% |
10.24%
-0.6% YoY
|
11.83%
-4.8% YoY
|
9.75%
-1.9% YoY
|
Top 11% in tier |
| Non-Interest Income / Assets ? |
0.59%
+1.4% YoY
+33.6% QoQ
|
-0.15% |
0.74%
-1.3% YoY
|
0.50%
+8.5% YoY
|
0.65%
+0.6% YoY
|
59% |
Signature Analysis
Strengths (1)
Profitability Leader
growth
#20 of 371 · Top 5% in Community
Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Why this signature
Return on Assets:
2.34%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
444 nationally
→ Stable
+5 banks QoQ
|
QoQ rank declining
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
100
100th pctile
Total Assets
Current: $4.8B · Tier avg: $1.4B
98
98th pctile
Total Deposits
Current: $3.7B · Tier avg: $1.2B
96
96th pctile
Return on Assets
Current: 2.34% · Tier avg: 1.16%
94
94th pctile
Total Loans
Current: $2.4B · Tier avg: $975.5M
89
89th pctile
Tier 1 Capital Ratio
Current: 18.10% · Tier avg: 10.24%
88
88th pctile
Nonperforming Asset Ratio
Current: 0.04% · Tier avg: 0.50%
83
83th pctile
Delinquency Rate
Current: 0.08% · Tier avg: 0.63%
81
81th pctile
Non-Interest-Bearing Deposit Share
Current: 28.42% · Tier avg: 21.05%
77
77th pctile
Efficiency Ratio
Current: 53.30% · Tier avg: 62.63%
59
59th pctile
Non-Interest Income / Assets
Current: 0.59% · Tier avg: 0.74%
38
38th pctile
Net Interest Margin
Current: 3.42% · Tier avg: 3.66%
12
12th pctile
Loan-to-Deposit Ratio
Current: 63.95% · Tier avg: 83.06%
Top Weaknesses
12
12th pctile
Loan-to-Deposit Ratio
Current: 63.95% · Tier avg: 83.06%
38
38th pctile
Net Interest Margin
Current: 3.42% · Tier avg: 3.66%
59
59th pctile
Non-Interest Income / Assets
Current: 0.59% · Tier avg: 0.74%
77
77th pctile
Efficiency Ratio
Current: 53.30% · Tier avg: 62.63%
81
81th pctile
Non-Interest-Bearing Deposit Share
Current: 28.42% · Tier avg: 21.05%
83
83th pctile
Delinquency Rate
Current: 0.08% · Tier avg: 0.63%
88
88th pctile
Nonperforming Asset Ratio
Current: 0.04% · Tier avg: 0.50%
89
89th pctile
Tier 1 Capital Ratio
Current: 18.10% · Tier avg: 10.24%
94
94th pctile
Total Loans
Current: $2.4B · Tier avg: $975.5M
96
96th pctile
Return on Assets
Current: 2.34% · Tier avg: 1.16%
98
98th pctile
Total Deposits
Current: $3.7B · Tier avg: $1.2B
100
100th pctile
Total Assets
Current: $4.8B · Tier avg: $1.4B