BlastPoint's Banking Scorecard
BAC Community Bank
Community
Specialty: Commercial
CA
FDIC cert 19434
Stockton, CA
1484
banks in Community tier nationally
59 in CA
View Community leaderboard (CA) →
BAC Community Bank has 3 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 42% in Community
- + Non-Interest-Bearing Deposit Share 17.44% above tier
- + Nonperforming Asset Ratio 0.49% below tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 1% in Community
- - Flatlined Growth: Bottom 19% in Community
- - Credit Risk Growth: Bottom 22% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$786.3M
+0.4% YoY
-0.2% QoQ
|
-$605.2M |
$1.4B
+2.0% YoY
|
$4.7B
+7.1% YoY
|
$5.9B
+6.5% YoY
|
34% |
| Total Loans ? |
$475.4M
+6.6% YoY
+2.9% QoQ
|
-$500.1M |
$975.5M
+2.4% YoY
|
$3.2B
+8.7% YoY
|
$3.1B
+8.5% YoY
|
26% |
| Total Deposits ? |
$670.9M
-3.9% YoY
-2.8% QoQ
|
-$493.7M |
$1.2B
+1.7% YoY
|
$3.9B
+6.8% YoY
|
$4.7B
+6.3% YoY
|
36% |
| Return on Assets ? |
0.70%
+68.9% YoY
-4.5% QoQ
|
-0.46% |
1.16%
+17.2% YoY
|
0.96%
+10.8% YoY
|
1.12%
+15.6% YoY
|
20% |
| Net Interest Margin ? |
3.24%
+10.7% YoY
+0.1% QoQ
|
-0.43% |
3.66%
+9.1% YoY
|
3.80%
+7.5% YoY
|
3.75%
+7.1% YoY
|
27% |
| Efficiency Ratio ? |
78.38%
-5.0% YoY
+1.3% QoQ
|
+15.74% |
62.63%
-5.3% YoY
|
61.43%
-2.7% YoY
|
65.09%
-5.1% YoY
|
Bottom 12% in tier |
| Delinquency Rate ? | 0.01% | -0.62% |
0.63%
+18.3% YoY
|
0.69%
+31.8% YoY
|
0.66%
+20.3% YoY
|
Top 6% in tier |
| Loan-to-Deposit Ratio ? |
70.86%
+10.9% YoY
+5.8% QoQ
|
-12.20% |
83.06%
+0.3% YoY
|
85.48%
+0.3% YoY
|
78.04%
+0.7% YoY
|
21% |
| Non-Interest-Bearing Deposit Share ? |
38.49%
+6.1% YoY
+1.3% QoQ
|
+17.44% |
21.05%
-0.9% YoY
|
25.54%
-3.2% YoY
|
21.79%
-1.3% YoY
|
Top 5% in tier |
| Nonperforming Asset Ratio ? | 0.01% | -0.49% |
0.50%
+20.3% YoY
|
0.51%
+32.9% YoY
|
0.48%
+20.8% YoY
|
Top 6% in tier |
| Tier 1 Capital Ratio ? |
15.85%
+1.0% YoY
-1.4% QoQ
|
+5.60% |
10.24%
-0.6% YoY
|
11.83%
-4.8% YoY
|
9.75%
-1.9% YoY
|
82% |
| Non-Interest Income / Assets ? |
0.33%
-5.8% YoY
+31.4% QoQ
|
-0.41% |
0.74%
-1.3% YoY
|
0.50%
+8.5% YoY
|
0.65%
+0.6% YoY
|
26% |
Signature Analysis
Strengths (3)
Credit Quality Leader
growth
#157 of 371 · Top 42% in Community
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why this signature
Delinquency Rate:
0.01%
(Tier: 0.63%, National: 0.66%)
371 of 371 Community banks match
·
443 nationally
→ Stable
+6 banks QoQ
|
QoQ rank improving
Non-Interest-Bearing Deposit Share
metric
Top 5%
in Community
Why this stands out
Current:
38.49%
(Tier avg: 21.05%, National avg: 21.79%)
Nonperforming Asset Ratio
metric
Top 6%
in Community
Why this stands out
Current:
0.01%
(Tier avg: 0.50%, National avg: 0.48%)
Concerns (3)
Credit Quality Pressure
risk
#10 of 808 · Bottom 1% in Community
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.01%
(Tier: 0.63%, National: 0.66%)
808 of 808 Community banks match
·
961 nationally
→ Stable
+22 banks QoQ
Flatlined Growth
risk
#48 of 245 · Bottom 19% in Community
Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Why this signature
Return on Assets:
0.70%
(Tier: 1.16%, National: 1.12%)
245 of 245 Community banks match
·
308 nationally
↓ Shrinking
-35 banks QoQ
Credit Risk Growth
risk
#145 of 642 · Bottom 22% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
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
95
95th pctile
Non-Interest-Bearing Deposit Share
Current: 38.49% · Tier avg: 21.05%
94
94th pctile
Nonperforming Asset Ratio
Current: 0.01% · Tier avg: 0.50%
94
94th pctile
Delinquency Rate
Current: 0.01% · Tier avg: 0.63%
82
82th pctile
Tier 1 Capital Ratio
Current: 15.85% · Tier avg: 10.24%
36
36th pctile
Total Deposits
Current: $670.9M · Tier avg: $1.2B
34
34th pctile
Total Assets
Current: $786.3M · Tier avg: $1.4B
27
27th pctile
Net Interest Margin
Current: 3.24% · Tier avg: 3.66%
26
26th pctile
Total Loans
Current: $475.4M · Tier avg: $975.5M
26
26th pctile
Non-Interest Income / Assets
Current: 0.33% · Tier avg: 0.74%
21
21th pctile
Loan-to-Deposit Ratio
Current: 70.86% · Tier avg: 83.06%
20
20th pctile
Return on Assets
Current: 0.70% · Tier avg: 1.16%
12
12th pctile
Efficiency Ratio
Current: 78.38% · Tier avg: 62.63%
Top Weaknesses
12
12th pctile
Efficiency Ratio
Current: 78.38% · Tier avg: 62.63%
20
20th pctile
Return on Assets
Current: 0.70% · Tier avg: 1.16%
21
21th pctile
Loan-to-Deposit Ratio
Current: 70.86% · Tier avg: 83.06%
26
26th pctile
Non-Interest Income / Assets
Current: 0.33% · Tier avg: 0.74%
26
26th pctile
Total Loans
Current: $475.4M · Tier avg: $975.5M
27
27th pctile
Net Interest Margin
Current: 3.24% · Tier avg: 3.66%
34
34th pctile
Total Assets
Current: $786.3M · Tier avg: $1.4B
36
36th pctile
Total Deposits
Current: $670.9M · Tier avg: $1.2B
82
82th pctile
Tier 1 Capital Ratio
Current: 15.85% · Tier avg: 10.24%
94
94th pctile
Delinquency Rate
Current: 0.01% · Tier avg: 0.63%
94
94th pctile
Nonperforming Asset Ratio
Current: 0.01% · Tier avg: 0.50%
95
95th pctile
Non-Interest-Bearing Deposit Share
Current: 38.49% · Tier avg: 21.05%