BlastPoint's Banking Scorecard
C3bank, National Association
Community
Specialty: Commercial
CA
FDIC cert 25249
Encinitas, CA
1484
banks in Community tier nationally
59 in CA
View Community leaderboard (CA) →
C3bank, National Association has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.63% below tier
- + Non-Interest-Bearing Deposit Share 29.76% above tier
- + Nonperforming Asset Ratio 0.50% below tier
Key Concerns
Areas that may need attention
- - Non-Interest Income / Assets 0.63% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$996.2M
+4.8% YoY
+6.7% QoQ
|
-$395.2M |
$1.4B
+2.0% YoY
|
$4.7B
+7.1% YoY
|
$5.9B
+6.5% YoY
|
49% |
| Total Loans ? |
$599.3M
+8.0% YoY
+4.0% QoQ
|
-$376.1M |
$975.5M
+2.4% YoY
|
$3.2B
+8.7% YoY
|
$3.1B
+8.5% YoY
|
41% |
| Total Deposits ? |
$885.8M
+4.4% YoY
+7.3% QoQ
|
-$278.8M |
$1.2B
+1.7% YoY
|
$3.9B
+6.8% YoY
|
$4.7B
+6.3% YoY
|
53% |
| Return on Assets ? |
1.19%
-0.6% YoY
+0.1% QoQ
|
+0.03% |
1.16%
+17.2% YoY
|
0.96%
+10.8% YoY
|
1.12%
+15.6% YoY
|
55% |
| Net Interest Margin ? |
3.62%
-4.0% YoY
-0.2% QoQ
|
-0.04% |
3.66%
+9.1% YoY
|
3.80%
+7.5% YoY
|
3.75%
+7.1% YoY
|
48% |
| Efficiency Ratio ? |
53.10%
-0.6% YoY
-0.7% QoQ
|
-9.53% |
62.63%
-5.3% YoY
|
61.43%
-2.7% YoY
|
65.09%
-5.1% YoY
|
77% |
| Delinquency Rate ? | 0.00% | -0.63% |
0.63%
+18.3% YoY
|
0.69%
+31.8% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
67.66%
+3.4% YoY
-3.1% QoQ
|
-15.40% |
83.06%
+0.3% YoY
|
85.48%
+0.3% YoY
|
78.04%
+0.7% YoY
|
84% |
| Non-Interest-Bearing Deposit Share ? |
50.80%
+9.5% YoY
+18.6% QoQ
|
+29.76% |
21.05%
-0.9% YoY
|
25.54%
-3.2% YoY
|
21.79%
-1.3% YoY
|
Top 1% in tier |
| Nonperforming Asset Ratio ? | 0.00% | -0.50% |
0.50%
+20.3% YoY
|
0.51%
+32.9% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? |
15.79%
-0.8% YoY
-2.0% QoQ
|
+5.55% |
10.24%
-0.6% YoY
|
11.83%
-4.8% YoY
|
9.75%
-1.9% YoY
|
82% |
| Non-Interest Income / Assets ? |
0.11%
+17.7% YoY
+34.8% QoQ
|
-0.63% |
0.74%
-1.3% YoY
|
0.50%
+8.5% YoY
|
0.65%
+0.6% YoY
|
Bottom 4% in tier |
Signature Analysis
Strengths (3)
Delinquency Rate
metric
Top 1%
in Community
Why this stands out
Current:
0.00%
(Tier avg: 0.63%, National avg: 0.66%)
Non-Interest-Bearing Deposit Share
metric
Top 1%
in Community
Why this stands out
Current:
50.80%
(Tier avg: 21.05%, National avg: 21.79%)
Nonperforming Asset Ratio
metric
Top 1%
in Community
Why this stands out
Current:
0.00%
(Tier avg: 0.50%, National avg: 0.48%)
Concerns (1)
Non-Interest Income / Assets
metric
Bottom 4%
in Community
Why this stands out
Current:
0.11%
(Tier avg: 0.74%, 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
Delinquency Rate
Current: 0.00% · Tier avg: 0.63%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.50%
99
99th pctile
Non-Interest-Bearing Deposit Share
Current: 50.80% · Tier avg: 21.05%
84
84th pctile
Loan-to-Deposit Ratio
Current: 67.66% · Tier avg: 83.06%
82
82th pctile
Tier 1 Capital Ratio
Current: 15.79% · Tier avg: 10.24%
77
77th pctile
Efficiency Ratio
Current: 53.10% · Tier avg: 62.63%
55
55th pctile
Return on Assets
Current: 1.19% · Tier avg: 1.16%
53
53th pctile
Total Deposits
Current: $885.8M · Tier avg: $1.2B
49
49th pctile
Total Assets
Current: $996.2M · Tier avg: $1.4B
48
48th pctile
Net Interest Margin
Current: 3.62% · Tier avg: 3.66%
41
41th pctile
Total Loans
Current: $599.3M · Tier avg: $975.5M
4
4th pctile
Non-Interest Income / Assets
Current: 0.11% · Tier avg: 0.74%
Top Weaknesses
4
4th pctile
Non-Interest Income / Assets
Current: 0.11% · Tier avg: 0.74%
41
41th pctile
Total Loans
Current: $599.3M · Tier avg: $975.5M
48
48th pctile
Net Interest Margin
Current: 3.62% · Tier avg: 3.66%
49
49th pctile
Total Assets
Current: $996.2M · Tier avg: $1.4B
53
53th pctile
Total Deposits
Current: $885.8M · Tier avg: $1.2B
55
55th pctile
Return on Assets
Current: 1.19% · Tier avg: 1.16%
77
77th pctile
Efficiency Ratio
Current: 53.10% · Tier avg: 62.63%
82
82th pctile
Tier 1 Capital Ratio
Current: 15.79% · Tier avg: 10.24%
84
84th pctile
Loan-to-Deposit Ratio
Current: 67.66% · Tier avg: 83.06%
99
99th pctile
Non-Interest-Bearing Deposit Share
Current: 50.80% · Tier avg: 21.05%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.50%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.63%