BlastPoint's Banking Scorecard
City National Bank
Large
Specialty: Commercial
CA
FDIC cert 17281
Los Angeles, CA
69
banks in Large tier nationally
4 in CA
View Large leaderboard (CA) →
City National Bank faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 23% in Large
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$98.4B
+6.8% YoY
+2.0% QoQ
|
+$23.6B |
$74.9B
-4.4% YoY
|
$4.7B
+7.1% YoY
|
$5.9B
+6.5% YoY
|
78% |
| Total Loans ? |
$68.2B
+9.5% YoY
+3.8% QoQ
|
+$21.8B |
$46.4B
-2.1% YoY
|
$3.2B
+8.7% YoY
|
$3.1B
+8.5% YoY
|
84% |
| Total Deposits ? |
$78.5B
+2.5% YoY
-2.1% QoQ
|
+$18.1B |
$60.5B
-4.5% YoY
|
$3.9B
+6.8% YoY
|
$4.7B
+6.3% YoY
|
78% |
| Return on Assets ? |
0.95%
+12.7% YoY
+5.3% QoQ
|
-0.24% |
1.19%
+17.8% YoY
|
0.96%
+10.8% YoY
|
1.12%
+15.6% YoY
|
25% |
| Net Interest Margin ? |
3.27%
-1.7% YoY
+1.0% QoQ
|
-0.19% |
3.46%
+13.1% YoY
|
3.80%
+7.5% YoY
|
3.75%
+7.1% YoY
|
39% |
| Efficiency Ratio ? |
65.09%
-6.8% YoY
-1.3% QoQ
|
+10.06% |
55.03%
-2.8% YoY
|
61.43%
-2.7% YoY
|
65.09%
-5.1% YoY
|
Bottom 12% in tier |
| Delinquency Rate ? |
0.61%
+33.1% YoY
+31.1% QoQ
|
-0.26% |
0.88%
-0.3% YoY
|
0.69%
+31.8% YoY
|
0.66%
+20.3% YoY
|
62% |
| Loan-to-Deposit Ratio ? |
86.83%
+6.9% YoY
+6.0% QoQ
|
+5.11% |
81.72%
+3.9% YoY
|
85.48%
+0.3% YoY
|
78.04%
+0.7% YoY
|
43% |
| Non-Interest-Bearing Deposit Share ? |
29.73%
-1.8% YoY
-6.1% QoQ
|
+9.76% |
19.97%
+0.5% YoY
|
25.54%
-3.2% YoY
|
21.79%
-1.3% YoY
|
82% |
| Nonperforming Asset Ratio ? |
0.43%
+36.5% YoY
+33.1% QoQ
|
-0.13% |
0.55%
+9.0% YoY
|
0.51%
+32.9% YoY
|
0.48%
+20.8% YoY
|
61% |
| Tier 1 Capital Ratio ? |
16.18%
-0.4% YoY
-0.6% QoQ
|
+2.85% |
13.33%
-0.7% YoY
|
11.83%
-4.8% YoY
|
9.75%
-1.9% YoY
|
84% |
| Non-Interest Income / Assets ? |
0.74%
+4.4% YoY
+35.0% QoQ
|
-0.34% |
1.09%
+2.4% YoY
|
0.50%
+8.5% YoY
|
0.65%
+0.6% YoY
|
50% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Liquidity Overhang
risk
#4 of 14 · Bottom 23% in Large
Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Why this signature
Tier 1 Risk-Based Capital Ratio:
16.18%
(Tier: 13.33%, National: 9.75%)
Loan-to-Deposit Ratio:
86.83%
(Tier: 81.72%, National: 78.04%)
14 of 14 Large banks match
·
314 nationally
→ Stable
+6 banks QoQ
|
QoQ rank improving
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
84
84th pctile
Total Loans
Current: $68.2B · Tier avg: $46.4B
84
84th pctile
Tier 1 Capital Ratio
Current: 16.18% · Tier avg: 13.33%
82
82th pctile
Non-Interest-Bearing Deposit Share
Current: 29.73% · Tier avg: 19.97%
78
78th pctile
Total Assets
Current: $98.4B · Tier avg: $74.9B
78
78th pctile
Total Deposits
Current: $78.5B · Tier avg: $60.5B
62
62th pctile
Delinquency Rate
Current: 0.61% · Tier avg: 0.88%
61
61th pctile
Nonperforming Asset Ratio
Current: 0.43% · Tier avg: 0.55%
50
50th pctile
Non-Interest Income / Assets
Current: 0.74% · Tier avg: 1.09%
43
43th pctile
Loan-to-Deposit Ratio
Current: 86.83% · Tier avg: 81.72%
39
39th pctile
Net Interest Margin
Current: 3.27% · Tier avg: 3.46%
25
25th pctile
Return on Assets
Current: 0.95% · Tier avg: 1.19%
12
12th pctile
Efficiency Ratio
Current: 65.09% · Tier avg: 55.03%
Top Weaknesses
12
12th pctile
Efficiency Ratio
Current: 65.09% · Tier avg: 55.03%
25
25th pctile
Return on Assets
Current: 0.95% · Tier avg: 1.19%
39
39th pctile
Net Interest Margin
Current: 3.27% · Tier avg: 3.46%
43
43th pctile
Loan-to-Deposit Ratio
Current: 86.83% · Tier avg: 81.72%
50
50th pctile
Non-Interest Income / Assets
Current: 0.74% · Tier avg: 1.09%
61
61th pctile
Nonperforming Asset Ratio
Current: 0.43% · Tier avg: 0.55%
62
62th pctile
Delinquency Rate
Current: 0.61% · Tier avg: 0.88%
78
78th pctile
Total Deposits
Current: $78.5B · Tier avg: $60.5B
78
78th pctile
Total Assets
Current: $98.4B · Tier avg: $74.9B
82
82th pctile
Non-Interest-Bearing Deposit Share
Current: 29.73% · Tier avg: 19.97%
84
84th pctile
Tier 1 Capital Ratio
Current: 16.18% · Tier avg: 13.33%
84
84th pctile
Total Loans
Current: $68.2B · Tier avg: $46.4B