BlastPoint's Banking Scorecard
SMBC MANUBANK
Mid-Market
Specialty: Commercial
CA
FDIC cert 18618
Designations: ✓ Community bank
Los Angeles, CA
201
banks in Mid-Market tier nationally
18 in CA
View Mid-Market leaderboard (CA) →
SMBC MANUBANK has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Tier 1 Capital Ratio 3.72% above tier
Key Concerns
Areas that may need attention
- - NIB Deposit Bleed: Bottom 25% in Mid-Market
- - Efficiency Drag: Bottom 100% in Mid-Market
- - Return on Assets 3.59% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$7.7B
+21.2% YoY
+2.3% QoQ
|
-$2.8B |
$10.5B
+2.9% YoY
|
$4.7B
+7.1% YoY
|
$5.9B
+6.5% YoY
|
42% |
| Total Loans ? |
$4.6B
+18.0% YoY
+3.8% QoQ
|
-$2.5B |
$7.1B
+4.5% YoY
|
$3.2B
+8.7% YoY
|
$3.1B
+8.5% YoY
|
29% |
| Total Deposits ? |
$6.6B
+30.0% YoY
+4.1% QoQ
|
-$2.0B |
$8.5B
+3.0% YoY
|
$3.9B
+6.8% YoY
|
$4.7B
+6.3% YoY
|
46% |
| Return on Assets ? |
-2.43%
+21.1% YoY
-5.7% QoQ
|
-3.59% |
1.16%
+9.4% YoY
|
0.96%
+10.8% YoY
|
1.12%
+15.6% YoY
|
Bottom 1% in tier |
| Net Interest Margin ? |
3.54%
-4.9% YoY
-0.1% QoQ
|
+0.15% |
3.40%
+7.9% YoY
|
3.80%
+7.5% YoY
|
3.75%
+7.1% YoY
|
52% |
| Efficiency Ratio ? |
150.21%
-0.3% YoY
-1.0% QoQ
|
+93.60% |
56.60%
-3.2% YoY
|
61.43%
-2.7% YoY
|
65.09%
-5.1% YoY
|
Bottom 1% in tier |
| Delinquency Rate ? |
0.40%
-76.9% YoY
-34.6% QoQ
|
-0.28% |
0.68%
+12.0% YoY
|
0.69%
+31.8% YoY
|
0.66%
+20.3% YoY
|
66% |
| Loan-to-Deposit Ratio ? |
70.24%
-9.3% YoY
-0.3% QoQ
|
-15.23% |
85.47%
+1.1% YoY
|
85.48%
+0.3% YoY
|
78.04%
+0.7% YoY
|
15% |
| Non-Interest-Bearing Deposit Share ? |
9.13%
-22.6% YoY
-13.2% QoQ
|
-11.50% |
20.64%
-0.3% YoY
|
25.54%
-3.2% YoY
|
21.79%
-1.3% YoY
|
15% |
| Nonperforming Asset Ratio ? |
0.24%
-77.5% YoY
-33.6% QoQ
|
-0.26% |
0.50%
+7.3% YoY
|
0.51%
+32.9% YoY
|
0.48%
+20.8% YoY
|
75% |
| Tier 1 Capital Ratio ? |
17.27%
-22.7% YoY
-5.5% QoQ
|
+3.72% |
13.55%
+1.8% YoY
|
11.83%
-4.8% YoY
|
9.75%
-1.9% YoY
|
Top 10% in tier |
| Non-Interest Income / Assets ? |
0.26%
-4.4% YoY
+66.4% QoQ
|
-0.70% |
0.96%
+7.1% YoY
|
0.50%
+8.5% YoY
|
0.65%
+0.6% YoY
|
Bottom 11% in tier |
Signature Analysis
Strengths (1)
Tier 1 Capital Ratio
metric
Top 10%
in Mid-Market
Why this stands out
Current:
17.27%
(Tier avg: 13.55%, National avg: 9.75%)
Concerns (3)
NIB Deposit Bleed
decline
#3 of 9 · Bottom 25% in Mid-Market
Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.
Why this signature
Noninterest-Bearing Deposit Share:
9.13%
(Tier: 20.64%, National: 21.79%)
9 of 9 Mid-Market banks match
·
98 nationally
→ Stable
-10 banks QoQ
Efficiency Drag
risk
#9 of 9 · Bottom 100% in Mid-Market
Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Why this signature
Efficiency Ratio:
150.21%
(Tier: 56.60%, National: 65.09%)
9 of 9 Mid-Market banks match
·
163 nationally
→ Stable
-9 banks QoQ
Return on Assets
metric
Bottom 1%
in Mid-Market
Why this stands out
Current:
-2.43%
(Tier avg: 1.16%, National avg: 1.12%)
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
90
90th pctile
Tier 1 Capital Ratio
Current: 17.27% · Tier avg: 13.55%
75
75th pctile
Nonperforming Asset Ratio
Current: 0.24% · Tier avg: 0.50%
66
66th pctile
Delinquency Rate
Current: 0.40% · Tier avg: 0.68%
52
52th pctile
Net Interest Margin
Current: 3.54% · Tier avg: 3.40%
46
46th pctile
Total Deposits
Current: $6.6B · Tier avg: $8.5B
42
42th pctile
Total Assets
Current: $7.7B · Tier avg: $10.5B
29
29th pctile
Total Loans
Current: $4.6B · Tier avg: $7.1B
15
15th pctile
Non-Interest-Bearing Deposit Share
Current: 9.13% · Tier avg: 20.64%
15
15th pctile
Loan-to-Deposit Ratio
Current: 70.24% · Tier avg: 85.47%
11
11th pctile
Non-Interest Income / Assets
Current: 0.26% · Tier avg: 0.96%
0
0th pctile
Return on Assets
Current: -2.43% · Tier avg: 1.16%
0
0th pctile
Efficiency Ratio
Current: 150.21% · Tier avg: 56.60%
Top Weaknesses
0
0th pctile
Efficiency Ratio
Current: 150.21% · Tier avg: 56.60%
0
0th pctile
Return on Assets
Current: -2.43% · Tier avg: 1.16%
11
11th pctile
Non-Interest Income / Assets
Current: 0.26% · Tier avg: 0.96%
15
15th pctile
Loan-to-Deposit Ratio
Current: 70.24% · Tier avg: 85.47%
15
15th pctile
Non-Interest-Bearing Deposit Share
Current: 9.13% · Tier avg: 20.64%
29
29th pctile
Total Loans
Current: $4.6B · Tier avg: $7.1B
42
42th pctile
Total Assets
Current: $7.7B · Tier avg: $10.5B
46
46th pctile
Total Deposits
Current: $6.6B · Tier avg: $8.5B
52
52th pctile
Net Interest Margin
Current: 3.54% · Tier avg: 3.40%
66
66th pctile
Delinquency Rate
Current: 0.40% · Tier avg: 0.68%
75
75th pctile
Nonperforming Asset Ratio
Current: 0.24% · Tier avg: 0.50%
90
90th pctile
Tier 1 Capital Ratio
Current: 17.27% · Tier avg: 13.55%