BlastPoint's Banking Scorecard
Mechanics Bank
Mid-Market
Specialty: Commercial
CA
FDIC cert 1768
Walnut Creek, CA
201
banks in Mid-Market tier nationally
18 in CA
View Mid-Market leaderboard (CA) →
Mechanics Bank shows strong momentum with 1 strength and 35.6% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 14.82% above tier
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 ? |
$22.4B
+35.6% YoY
-1.5% QoQ
|
+$11.9B |
$10.5B
+2.9% YoY
|
$4.7B
+7.1% YoY
|
$5.9B
+6.5% YoY
|
Top 5% in tier |
| Total Loans ? |
$14.0B
+46.8% YoY
-2.9% QoQ
|
+$6.9B |
$7.1B
+4.5% YoY
|
$3.2B
+8.7% YoY
|
$3.1B
+8.5% YoY
|
Top 7% in tier |
| Total Deposits ? |
$19.0B
+36.5% YoY
-2.2% QoQ
|
+$10.5B |
$8.5B
+3.0% YoY
|
$3.9B
+6.8% YoY
|
$4.7B
+6.3% YoY
|
Top 4% in tier |
| Return on Assets ? |
1.44%
+746.6% YoY
+36.5% QoQ
|
+0.28% |
1.16%
+9.4% YoY
|
0.96%
+10.8% YoY
|
1.12%
+15.6% YoY
|
71% |
| Net Interest Margin ? |
3.45%
+2.4% YoY
+4.4% QoQ
|
+0.06% |
3.40%
+7.9% YoY
|
3.80%
+7.5% YoY
|
3.75%
+7.1% YoY
|
48% |
| Efficiency Ratio ? |
55.79%
-1.6% YoY
-8.0% QoQ
|
-0.81% |
56.60%
-3.2% YoY
|
61.43%
-2.7% YoY
|
65.09%
-5.1% YoY
|
57% |
| Delinquency Rate ? |
0.34%
+183.6% YoY
-23.3% QoQ
|
-0.35% |
0.68%
+12.0% YoY
|
0.69%
+31.8% YoY
|
0.66%
+20.3% YoY
|
73% |
| Loan-to-Deposit Ratio ? |
73.72%
+7.6% YoY
-0.8% QoQ
|
-11.75% |
85.47%
+1.1% YoY
|
85.48%
+0.3% YoY
|
78.04%
+0.7% YoY
|
80% |
| Non-Interest-Bearing Deposit Share ? |
35.46%
-11.9% YoY
+2.2% QoQ
|
+14.82% |
20.64%
-0.3% YoY
|
25.54%
-3.2% YoY
|
21.79%
-1.3% YoY
|
Top 6% in tier |
| Nonperforming Asset Ratio ? |
0.23%
+43.4% YoY
-18.6% QoQ
|
-0.26% |
0.50%
+7.3% YoY
|
0.51%
+32.9% YoY
|
0.48%
+20.8% YoY
|
75% |
| Tier 1 Capital Ratio ? |
15.59%
-3.4% YoY
+4.8% QoQ
|
+2.04% |
13.55%
+1.8% YoY
|
11.83%
-4.8% YoY
|
9.75%
-1.9% YoY
|
Top 15% in tier |
| Non-Interest Income / Assets ? |
0.97%
+136.2% YoY
+58.2% QoQ
|
+0.02% |
0.96%
+7.1% YoY
|
0.50%
+8.5% YoY
|
0.65%
+0.6% YoY
|
76% |
Signature Analysis
Strengths (1)
Non-Interest-Bearing Deposit Share
metric
Top 6%
in Mid-Market
Why this stands out
Current:
35.46%
(Tier avg: 20.64%, National avg: 21.79%)
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
96
96th pctile
Total Deposits
Current: $19.0B · Tier avg: $8.5B
95
95th pctile
Total Assets
Current: $22.4B · Tier avg: $10.5B
94
94th pctile
Non-Interest-Bearing Deposit Share
Current: 35.46% · Tier avg: 20.64%
93
93th pctile
Total Loans
Current: $14.0B · Tier avg: $7.1B
85
85th pctile
Tier 1 Capital Ratio
Current: 15.59% · Tier avg: 13.55%
80
80th pctile
Loan-to-Deposit Ratio
Current: 73.72% · Tier avg: 85.47%
76
76th pctile
Non-Interest Income / Assets
Current: 0.97% · Tier avg: 0.96%
75
75th pctile
Nonperforming Asset Ratio
Current: 0.23% · Tier avg: 0.50%
73
73th pctile
Delinquency Rate
Current: 0.34% · Tier avg: 0.68%
71
71th pctile
Return on Assets
Current: 1.44% · Tier avg: 1.16%
57
57th pctile
Efficiency Ratio
Current: 55.79% · Tier avg: 56.60%
48
48th pctile
Net Interest Margin
Current: 3.45% · Tier avg: 3.40%
Top Weaknesses
48
48th pctile
Net Interest Margin
Current: 3.45% · Tier avg: 3.40%
57
57th pctile
Efficiency Ratio
Current: 55.79% · Tier avg: 56.60%
71
71th pctile
Return on Assets
Current: 1.44% · Tier avg: 1.16%
73
73th pctile
Delinquency Rate
Current: 0.34% · Tier avg: 0.68%
75
75th pctile
Nonperforming Asset Ratio
Current: 0.23% · Tier avg: 0.50%
76
76th pctile
Non-Interest Income / Assets
Current: 0.97% · Tier avg: 0.96%
80
80th pctile
Loan-to-Deposit Ratio
Current: 73.72% · Tier avg: 85.47%
85
85th pctile
Tier 1 Capital Ratio
Current: 15.59% · Tier avg: 13.55%
93
93th pctile
Total Loans
Current: $14.0B · Tier avg: $7.1B
94
94th pctile
Non-Interest-Bearing Deposit Share
Current: 35.46% · Tier avg: 20.64%
95
95th pctile
Total Assets
Current: $22.4B · Tier avg: $10.5B
96
96th pctile
Total Deposits
Current: $19.0B · Tier avg: $8.5B