BlastPoint's Banking Scorecard
State Bank of India (California)
Community
Specialty: Commercial
CA
FDIC cert 23998
Los Angeles, CA
1484
banks in Community tier nationally
59 in CA
View Community leaderboard (CA) →
State Bank of India (California) faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Non-Interest-Bearing Deposit Share 11.63% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.3B
+8.2% YoY
+1.7% QoQ
|
-$48.9M |
$1.4B
+2.0% YoY
|
$4.7B
+7.1% YoY
|
$5.9B
+6.5% YoY
|
64% |
| Total Loans ? |
$1.2B
+9.1% YoY
+2.5% QoQ
|
+$179.7M |
$975.5M
+2.4% YoY
|
$3.2B
+8.7% YoY
|
$3.1B
+8.5% YoY
|
73% |
| Total Deposits ? |
$1.1B
+8.4% YoY
+1.4% QoQ
|
-$21.6M |
$1.2B
+1.7% YoY
|
$3.9B
+6.8% YoY
|
$4.7B
+6.3% YoY
|
65% |
| Return on Assets ? |
0.80%
-7.2% YoY
-3.4% QoQ
|
-0.36% |
1.16%
+17.2% YoY
|
0.96%
+10.8% YoY
|
1.12%
+15.6% YoY
|
24% |
| Net Interest Margin ? |
2.79%
-1.0% YoY
-1.4% QoQ
|
-0.87% |
3.66%
+9.1% YoY
|
3.80%
+7.5% YoY
|
3.75%
+7.1% YoY
|
Bottom 11% in tier |
| Efficiency Ratio ? |
58.59%
-0.6% YoY
+1.1% QoQ
|
-4.04% |
62.63%
-5.3% YoY
|
61.43%
-2.7% YoY
|
65.09%
-5.1% YoY
|
62% |
| Delinquency Rate ? |
1.67%
+79.5% YoY
+106.9% QoQ
|
+1.04% |
0.63%
+18.3% YoY
|
0.69%
+31.8% YoY
|
0.66%
+20.3% YoY
|
Bottom 13% in tier |
| Loan-to-Deposit Ratio ? |
101.07%
+0.6% YoY
+1.0% QoQ
|
+18.01% |
83.06%
+0.3% YoY
|
85.48%
+0.3% YoY
|
78.04%
+0.7% YoY
|
Top 11% in tier |
| Non-Interest-Bearing Deposit Share ? |
9.42%
-14.4% YoY
-5.5% QoQ
|
-11.63% |
21.05%
-0.9% YoY
|
25.54%
-3.2% YoY
|
21.79%
-1.3% YoY
|
Bottom 9% in tier |
| Nonperforming Asset Ratio ? |
1.44%
+80.9% YoY
+108.5% QoQ
|
+0.94% |
0.50%
+20.3% YoY
|
0.51%
+32.9% YoY
|
0.48%
+20.8% YoY
|
Bottom 11% in tier |
| Tier 1 Capital Ratio ? |
15.76%
-4.1% YoY
-1.9% QoQ
|
+5.52% |
10.24%
-0.6% YoY
|
11.83%
-4.8% YoY
|
9.75%
-1.9% YoY
|
81% |
| Non-Interest Income / Assets ? |
0.19%
+15.3% YoY
+34.9% QoQ
|
-0.55% |
0.74%
-1.3% YoY
|
0.50%
+8.5% YoY
|
0.65%
+0.6% YoY
|
Bottom 10% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Non-Interest-Bearing Deposit Share
metric
Bottom 9%
in Community
Why this stands out
Current:
9.42%
(Tier avg: 21.05%, 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
89
89th pctile
Loan-to-Deposit Ratio
Current: 101.07% · Tier avg: 83.06%
81
81th pctile
Tier 1 Capital Ratio
Current: 15.76% · Tier avg: 10.24%
73
73th pctile
Total Loans
Current: $1.2B · Tier avg: $975.5M
65
65th pctile
Total Deposits
Current: $1.1B · Tier avg: $1.2B
64
64th pctile
Total Assets
Current: $1.3B · Tier avg: $1.4B
62
62th pctile
Efficiency Ratio
Current: 58.59% · Tier avg: 62.63%
24
24th pctile
Return on Assets
Current: 0.80% · Tier avg: 1.16%
13
13th pctile
Delinquency Rate
Current: 1.67% · Tier avg: 0.63%
11
11th pctile
Nonperforming Asset Ratio
Current: 1.44% · Tier avg: 0.50%
11
11th pctile
Net Interest Margin
Current: 2.79% · Tier avg: 3.66%
10
10th pctile
Non-Interest Income / Assets
Current: 0.19% · Tier avg: 0.74%
9
9th pctile
Non-Interest-Bearing Deposit Share
Current: 9.42% · Tier avg: 21.05%
Top Weaknesses
9
9th pctile
Non-Interest-Bearing Deposit Share
Current: 9.42% · Tier avg: 21.05%
10
10th pctile
Non-Interest Income / Assets
Current: 0.19% · Tier avg: 0.74%
11
11th pctile
Net Interest Margin
Current: 2.79% · Tier avg: 3.66%
11
11th pctile
Nonperforming Asset Ratio
Current: 1.44% · Tier avg: 0.50%
13
13th pctile
Delinquency Rate
Current: 1.67% · Tier avg: 0.63%
24
24th pctile
Return on Assets
Current: 0.80% · Tier avg: 1.16%
62
62th pctile
Efficiency Ratio
Current: 58.59% · Tier avg: 62.63%
64
64th pctile
Total Assets
Current: $1.3B · Tier avg: $1.4B
65
65th pctile
Total Deposits
Current: $1.1B · Tier avg: $1.2B
73
73th pctile
Total Loans
Current: $1.2B · Tier avg: $975.5M
81
81th pctile
Tier 1 Capital Ratio
Current: 15.76% · Tier avg: 10.24%
89
89th pctile
Loan-to-Deposit Ratio
Current: 101.07% · Tier avg: 83.06%