BlastPoint's Banking Scorecard
HCN Bank
Community
Specialty: Commercial
CA
FDIC cert 21606
Riverside, CA
1484
banks in Community tier nationally
59 in CA
View Community leaderboard (CA) →
HCN Bank demonstrates 4 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 38% in Community
- + Efficiency Ratio 20.39% below tier
- + Delinquency Rate 0.63% below tier
- + Nonperforming Asset Ratio 0.50% below 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 ? |
$974.9M
+3.8% YoY
-2.1% QoQ
|
-$416.6M |
$1.4B
+2.0% YoY
|
$4.7B
+7.1% YoY
|
$5.9B
+6.5% YoY
|
48% |
| Total Loans ? |
$743.2M
+8.6% YoY
+0.6% QoQ
|
-$232.3M |
$975.5M
+2.4% YoY
|
$3.2B
+8.7% YoY
|
$3.1B
+8.5% YoY
|
53% |
| Total Deposits ? |
$853.8M
+3.2% YoY
-2.3% QoQ
|
-$310.8M |
$1.2B
+1.7% YoY
|
$3.9B
+6.8% YoY
|
$4.7B
+6.3% YoY
|
51% |
| Return on Assets ? |
2.33%
+2.2% YoY
-0.0% QoQ
|
+1.16% |
1.16%
+17.2% YoY
|
0.96%
+10.8% YoY
|
1.12%
+15.6% YoY
|
Top 4% in tier |
| Net Interest Margin ? |
4.03%
+1.8% YoY
+1.2% QoQ
|
+0.36% |
3.66%
+9.1% YoY
|
3.80%
+7.5% YoY
|
3.75%
+7.1% YoY
|
71% |
| Efficiency Ratio ? |
42.25%
+3.3% YoY
-2.3% QoQ
|
-20.39% |
62.63%
-5.3% YoY
|
61.43%
-2.7% YoY
|
65.09%
-5.1% YoY
|
Top 6% in tier |
| Delinquency Rate ? | 0.00% | -0.63% |
0.63%
+18.3% YoY
|
0.69%
+31.8% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
87.04%
+5.3% YoY
+2.9% QoQ
|
+3.98% |
83.06%
+0.3% YoY
|
85.48%
+0.3% YoY
|
78.04%
+0.7% YoY
|
43% |
| Non-Interest-Bearing Deposit Share ? |
33.49%
-15.2% YoY
-1.4% QoQ
|
+12.45% |
21.05%
-0.9% YoY
|
25.54%
-3.2% YoY
|
21.79%
-1.3% YoY
|
Top 10% in tier |
| Nonperforming Asset Ratio ? | 0.00% | -0.50% |
0.50%
+20.3% YoY
|
0.51%
+32.9% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? |
14.08%
-3.2% YoY
-0.6% QoQ
|
+3.84% |
10.24%
-0.6% YoY
|
11.83%
-4.8% YoY
|
9.75%
-1.9% YoY
|
69% |
| Non-Interest Income / Assets ? |
0.45%
-5.4% YoY
+35.4% QoQ
|
-0.29% |
0.74%
-1.3% YoY
|
0.50%
+8.5% YoY
|
0.65%
+0.6% YoY
|
42% |
Signature Analysis
Strengths (4)
Profitability Leader
growth
#141 of 371 · Top 38% in Community
Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Why this signature
Return on Assets:
2.33%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
444 nationally
→ Stable
+5 banks QoQ
|
QoQ rank improving
Efficiency Ratio
metric
Top 6%
in Community
Why this stands out
Current:
42.25%
(Tier avg: 62.63%, National avg: 65.09%)
Delinquency Rate
metric
Top 1%
in Community
Why this stands out
Current:
0.00%
(Tier avg: 0.63%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 1%
in Community
Why this stands out
Current:
0.00%
(Tier avg: 0.50%, National avg: 0.48%)
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
Delinquency Rate
Current: 0.00% · Tier avg: 0.63%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.50%
96
96th pctile
Return on Assets
Current: 2.33% · Tier avg: 1.16%
94
94th pctile
Efficiency Ratio
Current: 42.25% · Tier avg: 62.63%
90
90th pctile
Non-Interest-Bearing Deposit Share
Current: 33.49% · Tier avg: 21.05%
71
71th pctile
Net Interest Margin
Current: 4.03% · Tier avg: 3.66%
69
69th pctile
Tier 1 Capital Ratio
Current: 14.08% · Tier avg: 10.24%
53
53th pctile
Total Loans
Current: $743.2M · Tier avg: $975.5M
51
51th pctile
Total Deposits
Current: $853.8M · Tier avg: $1.2B
48
48th pctile
Total Assets
Current: $974.9M · Tier avg: $1.4B
43
43th pctile
Loan-to-Deposit Ratio
Current: 87.04% · Tier avg: 83.06%
42
42th pctile
Non-Interest Income / Assets
Current: 0.45% · Tier avg: 0.74%
Top Weaknesses
42
42th pctile
Non-Interest Income / Assets
Current: 0.45% · Tier avg: 0.74%
43
43th pctile
Loan-to-Deposit Ratio
Current: 87.04% · Tier avg: 83.06%
48
48th pctile
Total Assets
Current: $974.9M · Tier avg: $1.4B
51
51th pctile
Total Deposits
Current: $853.8M · Tier avg: $1.2B
53
53th pctile
Total Loans
Current: $743.2M · Tier avg: $975.5M
69
69th pctile
Tier 1 Capital Ratio
Current: 14.08% · Tier avg: 10.24%
71
71th pctile
Net Interest Margin
Current: 4.03% · Tier avg: 3.66%
90
90th pctile
Non-Interest-Bearing Deposit Share
Current: 33.49% · Tier avg: 21.05%
94
94th pctile
Efficiency Ratio
Current: 42.25% · Tier avg: 62.63%
96
96th pctile
Return on Assets
Current: 2.33% · Tier avg: 1.16%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.50%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.63%