BlastPoint's Banking Scorecard
Bank of America California, National Association
Mid-Market
Specialty: Mortgage
CA
FDIC cert 25178
San Francisco, CA
201
banks in Mid-Market tier nationally
18 in CA
View Mid-Market leaderboard (CA) →
Bank of America California, National Association has 1 strength but faces 6 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Tier 1 Capital Ratio 23.30% above tier
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 5% in Mid-Market
- - Liquidity Overhang: Bottom 20% in Mid-Market
- - Cost Spiral: Bottom 50% in Mid-Market
- - Net Interest Margin 1.85% below tier
- - Non-Interest-Bearing Deposit Share 20.64% below tier
- - Non-Interest Income / Assets 0.95% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$15.5B
-1.2% YoY
+3.3% QoQ
|
+$5.0B |
$10.5B
+2.9% YoY
|
$4.7B
+7.1% YoY
|
$5.9B
+6.5% YoY
|
82% |
| Total Loans ? |
$9.7B
-8.8% YoY
-2.5% QoQ
|
+$2.6B |
$7.1B
+4.5% YoY
|
$3.2B
+8.7% YoY
|
$3.1B
+8.5% YoY
|
79% |
| Total Deposits ? |
$13.1B
+3.2% YoY
+3.7% QoQ
|
+$4.5B |
$8.5B
+3.0% YoY
|
$3.9B
+6.8% YoY
|
$4.7B
+6.3% YoY
|
82% |
| Return on Assets ? |
0.54%
+21.3% YoY
+4.9% QoQ
|
-0.62% |
1.16%
+9.4% YoY
|
0.96%
+10.8% YoY
|
1.12%
+15.6% YoY
|
15% |
| Net Interest Margin ? |
1.55%
+39.8% YoY
+2.5% QoQ
|
-1.85% |
3.40%
+7.9% YoY
|
3.80%
+7.5% YoY
|
3.75%
+7.1% YoY
|
Bottom 5% in tier |
| Efficiency Ratio ? |
52.30%
+16.5% YoY
-3.1% QoQ
|
-4.30% |
56.60%
-3.2% YoY
|
61.43%
-2.7% YoY
|
65.09%
-5.1% YoY
|
67% |
| Delinquency Rate ? |
0.69%
-8.2% YoY
-5.8% QoQ
|
0 |
0.68%
+12.0% YoY
|
0.69%
+31.8% YoY
|
0.66%
+20.3% YoY
|
44% |
| Loan-to-Deposit Ratio ? |
74.27%
-11.6% YoY
-6.0% QoQ
|
-11.20% |
85.47%
+1.1% YoY
|
85.48%
+0.3% YoY
|
78.04%
+0.7% YoY
|
79% |
| Non-Interest-Bearing Deposit Share ? | 0.00% | -20.64% |
20.64%
-0.3% YoY
|
25.54%
-3.2% YoY
|
21.79%
-1.3% YoY
|
Bottom 2% in tier |
| Nonperforming Asset Ratio ? |
0.45%
-11.5% YoY
-10.8% QoQ
|
-0.05% |
0.50%
+7.3% YoY
|
0.51%
+32.9% YoY
|
0.48%
+20.8% YoY
|
46% |
| Tier 1 Capital Ratio ? |
36.85%
+14.5% YoY
+4.0% QoQ
|
+23.30% |
13.55%
+1.8% YoY
|
11.83%
-4.8% YoY
|
9.75%
-1.9% YoY
|
Top 1% in tier |
| Non-Interest Income / Assets ? |
0.01%
+150.6% YoY
-51.6% QoQ
|
-0.95% |
0.96%
+7.1% YoY
|
0.50%
+8.5% YoY
|
0.65%
+0.6% YoY
|
Bottom 1% in tier |
Signature Analysis
Strengths (1)
Tier 1 Capital Ratio
metric
Top 1%
in Mid-Market
Why this stands out
Current:
36.85%
(Tier avg: 13.55%, National avg: 9.75%)
Concerns (6)
Flatlined Growth
risk
#3 of 44 · Bottom 5% in Mid-Market
Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Why this signature
Return on Assets:
0.54%
(Tier: 1.16%, National: 1.12%)
44 of 44 Mid-Market banks match
·
308 nationally
↓ Shrinking
-35 banks QoQ
Liquidity Overhang
risk
#6 of 26 · Bottom 20% in Mid-Market
Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Why this signature
Tier 1 Risk-Based Capital Ratio:
36.85%
(Tier: 13.55%, National: 9.75%)
Loan-to-Deposit Ratio:
74.27%
(Tier: 85.47%, National: 78.04%)
26 of 26 Mid-Market banks match
·
314 nationally
→ Stable
+6 banks QoQ
Cost Spiral
risk
#4 of 7 · Bottom 50% in Mid-Market
Historically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.
Why this signature
Efficiency Ratio:
52.30%
(Tier: 56.60%, National: 65.09%)
7 of 7 Mid-Market banks match
·
50 nationally
↓ Shrinking
-10 banks QoQ
Net Interest Margin
metric
Bottom 5%
in Mid-Market
Why this stands out
Current:
1.55%
(Tier avg: 3.40%, National avg: 3.75%)
Non-Interest-Bearing Deposit Share
metric
Bottom 2%
in Mid-Market
Why this stands out
Current:
0.00%
(Tier avg: 20.64%, National avg: 21.79%)
Non-Interest Income / Assets
metric
Bottom 1%
in Mid-Market
Why this stands out
Current:
0.01%
(Tier avg: 0.96%, National avg: 0.65%)
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: 36.85% · Tier avg: 13.55%
82
82th pctile
Total Assets
Current: $15.5B · Tier avg: $10.5B
82
82th pctile
Total Deposits
Current: $13.1B · Tier avg: $8.5B
79
79th pctile
Loan-to-Deposit Ratio
Current: 74.27% · Tier avg: 85.47%
79
79th pctile
Total Loans
Current: $9.7B · Tier avg: $7.1B
67
67th pctile
Efficiency Ratio
Current: 52.30% · Tier avg: 56.60%
46
46th pctile
Nonperforming Asset Ratio
Current: 0.45% · Tier avg: 0.50%
44
44th pctile
Delinquency Rate
Current: 0.69% · Tier avg: 0.68%
15
15th pctile
Return on Assets
Current: 0.54% · Tier avg: 1.16%
5
5th pctile
Net Interest Margin
Current: 1.55% · Tier avg: 3.40%
2
2th pctile
Non-Interest-Bearing Deposit Share
Current: 0.00% · Tier avg: 20.64%
1
1th pctile
Non-Interest Income / Assets
Current: 0.01% · Tier avg: 0.96%
Top Weaknesses
1
1th pctile
Non-Interest Income / Assets
Current: 0.01% · Tier avg: 0.96%
2
2th pctile
Non-Interest-Bearing Deposit Share
Current: 0.00% · Tier avg: 20.64%
5
5th pctile
Net Interest Margin
Current: 1.55% · Tier avg: 3.40%
15
15th pctile
Return on Assets
Current: 0.54% · Tier avg: 1.16%
44
44th pctile
Delinquency Rate
Current: 0.69% · Tier avg: 0.68%
46
46th pctile
Nonperforming Asset Ratio
Current: 0.45% · Tier avg: 0.50%
67
67th pctile
Efficiency Ratio
Current: 52.30% · Tier avg: 56.60%
79
79th pctile
Total Loans
Current: $9.7B · Tier avg: $7.1B
79
79th pctile
Loan-to-Deposit Ratio
Current: 74.27% · Tier avg: 85.47%
82
82th pctile
Total Deposits
Current: $13.1B · Tier avg: $8.5B
82
82th pctile
Total Assets
Current: $15.5B · Tier avg: $10.5B
100
100th pctile
Tier 1 Capital Ratio
Current: 36.85% · Tier avg: 13.55%