BlastPoint's Banking Scorecard
United Pacific Bank
Micro
Specialty: Commercial
CA
FDIC cert 23805
Designations: ✓ Community bank
City Of Industry, CA
2498
banks in Micro tier nationally
36 in CA
View Micro leaderboard (CA) →
United Pacific Bank faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Efficiency Ratio 23.49% above tier
- - Non-Interest-Bearing Deposit Share 16.88% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$186.0M
+16.0% YoY
-0.4% QoQ
|
-$31.5M |
$217.5M
+2.3% YoY
|
$4.7B
+7.1% YoY
|
$5.9B
+6.5% YoY
|
47% |
| Total Loans ? |
$135.1M
+12.0% YoY
-1.6% QoQ
|
-$4.1M |
$139.2M
+2.8% YoY
|
$3.2B
+8.7% YoY
|
$3.1B
+8.5% YoY
|
55% |
| Total Deposits ? |
$151.8M
+20.6% YoY
-0.6% QoQ
|
-$31.9M |
$183.7M
+1.8% YoY
|
$3.9B
+6.8% YoY
|
$4.7B
+6.3% YoY
|
46% |
| Return on Assets ? |
0.37%
-72.4% YoY
-8.1% QoQ
|
-0.72% |
1.08%
+14.7% YoY
|
0.96%
+10.8% YoY
|
1.12%
+15.6% YoY
|
Bottom 14% in tier |
| Net Interest Margin ? |
4.03%
-10.4% YoY
-0.4% QoQ
|
+0.18% |
3.85%
+6.6% YoY
|
3.80%
+7.5% YoY
|
3.75%
+7.1% YoY
|
59% |
| Efficiency Ratio ? |
91.21%
+36.1% YoY
+5.7% QoQ
|
+23.49% |
67.73%
-4.8% YoY
|
61.43%
-2.7% YoY
|
65.09%
-5.1% YoY
|
Bottom 8% in tier |
| Delinquency Rate ? |
0.16%
-3.3% QoQ
|
-0.48% |
0.64%
+24.4% YoY
|
0.69%
+31.8% YoY
|
0.66%
+20.3% YoY
|
66% |
| Loan-to-Deposit Ratio ? |
89.03%
-7.2% YoY
-0.9% QoQ
|
+14.50% |
74.53%
+0.5% YoY
|
85.48%
+0.3% YoY
|
78.04%
+0.7% YoY
|
75% |
| Non-Interest-Bearing Deposit Share ? |
5.51%
+7.1% YoY
-1.2% QoQ
|
-16.88% |
22.39%
-1.3% YoY
|
25.54%
-3.2% YoY
|
21.79%
-1.3% YoY
|
Bottom 6% in tier |
| Nonperforming Asset Ratio ? |
0.12%
-4.5% QoQ
|
-0.34% |
0.45%
+25.1% YoY
|
0.51%
+32.9% YoY
|
0.48%
+20.8% YoY
|
65% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
11.83%
-4.8% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.17%
-86.8% YoY
+21.1% QoQ
|
-0.40% |
0.56%
+0.3% YoY
|
0.50%
+8.5% YoY
|
0.65%
+0.6% YoY
|
18% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Efficiency Ratio
metric
Bottom 8%
in Micro
Why this stands out
Current:
91.21%
(Tier avg: 67.73%, National avg: 65.09%)
Non-Interest-Bearing Deposit Share
metric
Bottom 6%
in Micro
Why this stands out
Current:
5.51%
(Tier avg: 22.39%, National avg: 21.79%)
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
75
75th pctile
Loan-to-Deposit Ratio
Current: 89.03% · Tier avg: 74.53%
66
66th pctile
Delinquency Rate
Current: 0.16% · Tier avg: 0.64%
65
65th pctile
Nonperforming Asset Ratio
Current: 0.12% · Tier avg: 0.45%
59
59th pctile
Net Interest Margin
Current: 4.03% · Tier avg: 3.85%
55
55th pctile
Total Loans
Current: $135.1M · Tier avg: $139.2M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
47
47th pctile
Total Assets
Current: $186.0M · Tier avg: $217.5M
46
46th pctile
Total Deposits
Current: $151.8M · Tier avg: $183.7M
18
18th pctile
Non-Interest Income / Assets
Current: 0.17% · Tier avg: 0.56%
14
14th pctile
Return on Assets
Current: 0.37% · Tier avg: 1.08%
8
8th pctile
Efficiency Ratio
Current: 91.21% · Tier avg: 67.73%
6
6th pctile
Non-Interest-Bearing Deposit Share
Current: 5.51% · Tier avg: 22.39%
Top Weaknesses
6
6th pctile
Non-Interest-Bearing Deposit Share
Current: 5.51% · Tier avg: 22.39%
8
8th pctile
Efficiency Ratio
Current: 91.21% · Tier avg: 67.73%
14
14th pctile
Return on Assets
Current: 0.37% · Tier avg: 1.08%
18
18th pctile
Non-Interest Income / Assets
Current: 0.17% · Tier avg: 0.56%
46
46th pctile
Total Deposits
Current: $151.8M · Tier avg: $183.7M
47
47th pctile
Total Assets
Current: $186.0M · Tier avg: $217.5M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
55
55th pctile
Total Loans
Current: $135.1M · Tier avg: $139.2M
59
59th pctile
Net Interest Margin
Current: 4.03% · Tier avg: 3.85%
65
65th pctile
Nonperforming Asset Ratio
Current: 0.12% · Tier avg: 0.45%
66
66th pctile
Delinquency Rate
Current: 0.16% · Tier avg: 0.64%
75
75th pctile
Loan-to-Deposit Ratio
Current: 89.03% · Tier avg: 74.53%