BlastPoint's Banking Scorecard
Bank of Whittier, National Association
Micro
Specialty: Commercial
CA
FDIC cert 24211
Designations: ✓ Community bank
Whittier, CA
2498
banks in Micro tier nationally
36 in CA
View Micro leaderboard (CA) →
Bank of Whittier, National Association has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Nonperforming Asset Ratio 0.45% below tier
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.54% below tier
- - Non-Interest-Bearing Deposit Share 13.45% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$168.9M
-6.8% YoY
+0.9% QoQ
|
-$48.6M |
$217.5M
+2.3% YoY
|
$4.7B
+7.1% YoY
|
$5.9B
+6.5% YoY
|
43% |
| Total Loans ? |
$82.5M
-0.9% YoY
+0.4% QoQ
|
-$56.7M |
$139.2M
+2.8% YoY
|
$3.2B
+8.7% YoY
|
$3.1B
+8.5% YoY
|
35% |
| Total Deposits ? |
$141.6M
-9.3% YoY
+0.2% QoQ
|
-$42.1M |
$183.7M
+1.8% YoY
|
$3.9B
+6.8% YoY
|
$4.7B
+6.3% YoY
|
43% |
| Return on Assets ? |
0.76%
+14.9% YoY
+14.0% QoQ
|
-0.32% |
1.08%
+14.7% YoY
|
0.96%
+10.8% YoY
|
1.12%
+15.6% YoY
|
31% |
| Net Interest Margin ? |
2.32%
+7.0% YoY
+3.6% QoQ
|
-1.54% |
3.85%
+6.6% YoY
|
3.80%
+7.5% YoY
|
3.75%
+7.1% YoY
|
Bottom 4% in tier |
| Efficiency Ratio ? |
61.44%
-4.7% YoY
-3.3% QoQ
|
-6.28% |
67.73%
-4.8% YoY
|
61.43%
-2.7% YoY
|
65.09%
-5.1% YoY
|
63% |
| Delinquency Rate ? | 0.00% | -0.64% |
0.64%
+24.4% YoY
|
0.69%
+31.8% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
58.27%
+9.2% YoY
+0.2% QoQ
|
-16.26% |
74.53%
+0.5% YoY
|
85.48%
+0.3% YoY
|
78.04%
+0.7% YoY
|
78% |
| Non-Interest-Bearing Deposit Share ? |
8.95%
+16.6% YoY
+4.4% QoQ
|
-13.45% |
22.39%
-1.3% YoY
|
25.54%
-3.2% YoY
|
21.79%
-1.3% YoY
|
Bottom 10% in tier |
| Nonperforming Asset Ratio ? | 0.00% | -0.45% |
0.45%
+25.1% YoY
|
0.51%
+32.9% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| 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 ? |
0.67%
+0.1% YoY
+38.8% QoQ
|
+0.11% |
0.56%
+0.3% YoY
|
0.50%
+8.5% YoY
|
0.65%
+0.6% YoY
|
82% |
Signature Analysis
Strengths (2)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
Concerns (2)
Net Interest Margin
metric
Bottom 4%
in Micro
Why this stands out
Current:
2.32%
(Tier avg: 3.85%, National avg: 3.75%)
Non-Interest-Bearing Deposit Share
metric
Bottom 10%
in Micro
Why this stands out
Current:
8.95%
(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
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
82
82th pctile
Non-Interest Income / Assets
Current: 0.67% · Tier avg: 0.56%
78
78th pctile
Loan-to-Deposit Ratio
Current: 58.27% · Tier avg: 74.53%
63
63th pctile
Efficiency Ratio
Current: 61.44% · Tier avg: 67.73%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
43
43th pctile
Total Assets
Current: $168.9M · Tier avg: $217.5M
43
43th pctile
Total Deposits
Current: $141.6M · Tier avg: $183.7M
35
35th pctile
Total Loans
Current: $82.5M · Tier avg: $139.2M
31
31th pctile
Return on Assets
Current: 0.76% · Tier avg: 1.08%
10
10th pctile
Non-Interest-Bearing Deposit Share
Current: 8.95% · Tier avg: 22.39%
4
4th pctile
Net Interest Margin
Current: 2.32% · Tier avg: 3.85%
Top Weaknesses
4
4th pctile
Net Interest Margin
Current: 2.32% · Tier avg: 3.85%
10
10th pctile
Non-Interest-Bearing Deposit Share
Current: 8.95% · Tier avg: 22.39%
31
31th pctile
Return on Assets
Current: 0.76% · Tier avg: 1.08%
35
35th pctile
Total Loans
Current: $82.5M · Tier avg: $139.2M
43
43th pctile
Total Deposits
Current: $141.6M · Tier avg: $183.7M
43
43th pctile
Total Assets
Current: $168.9M · Tier avg: $217.5M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
63
63th pctile
Efficiency Ratio
Current: 61.44% · Tier avg: 67.73%
78
78th pctile
Loan-to-Deposit Ratio
Current: 58.27% · Tier avg: 74.53%
82
82th pctile
Non-Interest Income / Assets
Current: 0.67% · Tier avg: 0.56%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%