BlastPoint's Banking Scorecard
California Pacific Bank
Micro
Specialty: Commercial
CA
FDIC cert 23242
Designations: ✓ Community bank
Hayward, CA
2498
banks in Micro tier nationally
36 in CA
View Micro leaderboard (CA) →
California Pacific Bank has 5 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 2.36% above tier
- + Efficiency Ratio 19.57% below tier
- + Loan-to-Deposit Ratio 56.48% above tier
- + Non-Interest-Bearing Deposit Share 14.77% above tier
- + Tier 1 Capital Ratio 34.35% above tier
Key Concerns
Areas that may need attention
- - Delinquency Rate 17.69% above tier
- - Nonperforming Asset Ratio 16.40% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$97.2M
+18.0% YoY
-1.1% QoQ
|
-$120.3M |
$217.5M
+2.3% YoY
|
$4.7B
+7.1% YoY
|
$5.9B
+6.5% YoY
|
22% |
| Total Loans ? |
$72.5M
+21.5% YoY
+5.1% QoQ
|
-$66.7M |
$139.2M
+2.8% YoY
|
$3.2B
+8.7% YoY
|
$3.1B
+8.5% YoY
|
30% |
| Total Deposits ? |
$55.3M
+30.9% YoY
-0.8% QoQ
|
-$128.3M |
$183.7M
+1.8% YoY
|
$3.9B
+6.8% YoY
|
$4.7B
+6.3% YoY
|
Bottom 12% in tier |
| Return on Assets ? |
1.42%
-62.3% YoY
-50.7% QoQ
|
+0.34% |
1.08%
+14.7% YoY
|
0.96%
+10.8% YoY
|
1.12%
+15.6% YoY
|
71% |
| Net Interest Margin ? |
6.22%
-22.6% YoY
-10.4% QoQ
|
+2.36% |
3.85%
+6.6% YoY
|
3.80%
+7.5% YoY
|
3.75%
+7.1% YoY
|
Top 1% in tier |
| Efficiency Ratio ? |
48.15%
+39.9% YoY
+19.9% QoQ
|
-19.57% |
67.73%
-4.8% YoY
|
61.43%
-2.7% YoY
|
65.09%
-5.1% YoY
|
Top 8% in tier |
| Delinquency Rate ? |
18.33%
+85.3% YoY
-1.0% QoQ
|
+17.69% |
0.64%
+24.4% YoY
|
0.69%
+31.8% YoY
|
0.66%
+20.3% YoY
|
Bottom 1% in tier |
| Loan-to-Deposit Ratio ? |
131.01%
-7.1% YoY
+6.0% QoQ
|
+56.48% |
74.53%
+0.5% YoY
|
85.48%
+0.3% YoY
|
78.04%
+0.7% YoY
|
Top 1% in tier |
| Non-Interest-Bearing Deposit Share ? |
37.17%
-16.6% YoY
-6.1% QoQ
|
+14.77% |
22.39%
-1.3% YoY
|
25.54%
-3.2% YoY
|
21.79%
-1.3% YoY
|
Top 9% in tier |
| Nonperforming Asset Ratio ? |
16.86%
+135.2% YoY
+4.4% QoQ
|
+16.40% |
0.45%
+25.1% YoY
|
0.51%
+32.9% YoY
|
0.48%
+20.8% YoY
|
Bottom 1% in tier |
| Tier 1 Capital Ratio ? |
43.20%
-15.5% YoY
-4.2% QoQ
|
+34.35% |
8.85%
-3.4% YoY
|
11.83%
-4.8% YoY
|
9.75%
-1.9% YoY
|
Top 1% in tier |
| Non-Interest Income / Assets ? |
0.32%
-7.9% YoY
+41.4% QoQ
|
-0.24% |
0.56%
+0.3% YoY
|
0.50%
+8.5% YoY
|
0.65%
+0.6% YoY
|
44% |
Signature Analysis
Strengths (5)
Net Interest Margin
metric
Top 1%
in Micro
Why this stands out
Current:
6.22%
(Tier avg: 3.85%, National avg: 3.75%)
Efficiency Ratio
metric
Top 8%
in Micro
Why this stands out
Current:
48.15%
(Tier avg: 67.73%, National avg: 65.09%)
Loan-to-Deposit Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
131.01%
(Tier avg: 74.53%, National avg: 78.04%)
Non-Interest-Bearing Deposit Share
metric
Top 9%
in Micro
Why this stands out
Current:
37.17%
(Tier avg: 22.39%, National avg: 21.79%)
Tier 1 Capital Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
43.20%
(Tier avg: 8.85%, National avg: 9.75%)
Concerns (2)
Delinquency Rate
metric
Bottom 1%
in Micro
Why this stands out
Current:
18.33%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 1%
in Micro
Why this stands out
Current:
16.86%
(Tier avg: 0.45%, National avg: 0.48%)
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
Tier 1 Capital Ratio
Current: 43.20% · Tier avg: 8.85%
100
100th pctile
Loan-to-Deposit Ratio
Current: 131.01% · Tier avg: 74.53%
99
99th pctile
Net Interest Margin
Current: 6.22% · Tier avg: 3.85%
92
92th pctile
Efficiency Ratio
Current: 48.15% · Tier avg: 67.73%
91
91th pctile
Non-Interest-Bearing Deposit Share
Current: 37.17% · Tier avg: 22.39%
71
71th pctile
Return on Assets
Current: 1.42% · Tier avg: 1.08%
44
44th pctile
Non-Interest Income / Assets
Current: 0.32% · Tier avg: 0.56%
30
30th pctile
Total Loans
Current: $72.5M · Tier avg: $139.2M
22
22th pctile
Total Assets
Current: $97.2M · Tier avg: $217.5M
12
12th pctile
Total Deposits
Current: $55.3M · Tier avg: $183.7M
0
0th pctile
Delinquency Rate
Current: 18.33% · Tier avg: 0.64%
0
0th pctile
Nonperforming Asset Ratio
Current: 16.86% · Tier avg: 0.45%
Top Weaknesses
0
0th pctile
Nonperforming Asset Ratio
Current: 16.86% · Tier avg: 0.45%
0
0th pctile
Delinquency Rate
Current: 18.33% · Tier avg: 0.64%
12
12th pctile
Total Deposits
Current: $55.3M · Tier avg: $183.7M
22
22th pctile
Total Assets
Current: $97.2M · Tier avg: $217.5M
30
30th pctile
Total Loans
Current: $72.5M · Tier avg: $139.2M
44
44th pctile
Non-Interest Income / Assets
Current: 0.32% · Tier avg: 0.56%
71
71th pctile
Return on Assets
Current: 1.42% · Tier avg: 1.08%
91
91th pctile
Non-Interest-Bearing Deposit Share
Current: 37.17% · Tier avg: 22.39%
92
92th pctile
Efficiency Ratio
Current: 48.15% · Tier avg: 67.73%
99
99th pctile
Net Interest Margin
Current: 6.22% · Tier avg: 3.85%
100
100th pctile
Loan-to-Deposit Ratio
Current: 131.01% · Tier avg: 74.53%
100
100th pctile
Tier 1 Capital Ratio
Current: 43.20% · Tier avg: 8.85%