BlastPoint's Banking Scorecard
Hatch Bank
Micro
Specialty: Consumer
CA
FDIC cert 25803
San Marcos, CA
2498
banks in Micro tier nationally
36 in CA
View Micro leaderboard (CA) →
Hatch Bank has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 2.43% above tier
- + Tier 1 Capital Ratio 20.40% above tier
- + Non-Interest Income / Assets 3.24% above tier
Key Concerns
Areas that may need attention
- - Non-Interest-Bearing Deposit Share 22.32% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$182.3M
+54.8% YoY
+11.9% QoQ
|
-$35.2M |
$217.5M
+2.3% YoY
|
$4.7B
+7.1% YoY
|
$5.9B
+6.5% YoY
|
46% |
| Total Loans ? |
$116.3M
+64.2% YoY
+19.7% QoQ
|
-$22.9M |
$139.2M
+2.8% YoY
|
$3.2B
+8.7% YoY
|
$3.1B
+8.5% YoY
|
48% |
| Total Deposits ? |
$55.9M
+64.3% YoY
+4.5% QoQ
|
-$127.7M |
$183.7M
+1.8% YoY
|
$3.9B
+6.8% YoY
|
$4.7B
+6.3% YoY
|
Bottom 12% in tier |
| Return on Assets ? |
3.51%
+210.2% YoY
-5.4% QoQ
|
+2.43% |
1.08%
+14.7% YoY
|
0.96%
+10.8% YoY
|
1.12%
+15.6% YoY
|
Top 1% in tier |
| Net Interest Margin ? |
4.83%
+76.7% YoY
-11.4% QoQ
|
+0.97% |
3.85%
+6.6% YoY
|
3.80%
+7.5% YoY
|
3.75%
+7.1% YoY
|
Top 13% in tier |
| Efficiency Ratio ? |
58.56%
-23.0% YoY
+1.4% QoQ
|
-9.16% |
67.73%
-4.8% YoY
|
61.43%
-2.7% YoY
|
65.09%
-5.1% YoY
|
71% |
| Delinquency Rate ? |
0.58%
+30.0% YoY
+89.1% QoQ
|
-0.06% |
0.64%
+24.4% YoY
|
0.69%
+31.8% YoY
|
0.66%
+20.3% YoY
|
42% |
| Loan-to-Deposit Ratio ? |
207.97%
-0.0% YoY
+14.5% QoQ
|
+133.44% |
74.53%
+0.5% YoY
|
85.48%
+0.3% YoY
|
78.04%
+0.7% YoY
|
- |
| Non-Interest-Bearing Deposit Share ? |
0.07%
-34.3% YoY
-4.3% QoQ
|
-22.32% |
22.39%
-1.3% YoY
|
25.54%
-3.2% YoY
|
21.79%
-1.3% YoY
|
Bottom 2% in tier |
| Nonperforming Asset Ratio ? |
0.37%
+37.9% YoY
+102.3% QoQ
|
-0.08% |
0.45%
+25.1% YoY
|
0.51%
+32.9% YoY
|
0.48%
+20.8% YoY
|
45% |
| Tier 1 Capital Ratio ? |
29.25%
-27.6% YoY
-12.1% QoQ
|
+20.40% |
8.85%
-3.4% YoY
|
11.83%
-4.8% YoY
|
9.75%
-1.9% YoY
|
Top 4% in tier |
| Non-Interest Income / Assets ? |
3.81%
-16.5% YoY
+33.7% QoQ
|
+3.24% |
0.56%
+0.3% YoY
|
0.50%
+8.5% YoY
|
0.65%
+0.6% YoY
|
Top 1% in tier |
Signature Analysis
Strengths (3)
Return on Assets
metric
Top 1%
in Micro
Why this stands out
Current:
3.51%
(Tier avg: 1.08%, National avg: 1.12%)
Tier 1 Capital Ratio
metric
Top 4%
in Micro
Why this stands out
Current:
29.25%
(Tier avg: 8.85%, National avg: 9.75%)
Non-Interest Income / Assets
metric
Top 1%
in Micro
Why this stands out
Current:
3.81%
(Tier avg: 0.56%, National avg: 0.65%)
Concerns (1)
Non-Interest-Bearing Deposit Share
metric
Bottom 2%
in Micro
Why this stands out
Current:
0.07%
(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
99
99th pctile
Return on Assets
Current: 3.51% · Tier avg: 1.08%
99
99th pctile
Non-Interest Income / Assets
Current: 3.81% · Tier avg: 0.56%
96
96th pctile
Tier 1 Capital Ratio
Current: 29.25% · Tier avg: 8.85%
87
87th pctile
Net Interest Margin
Current: 4.83% · Tier avg: 3.85%
71
71th pctile
Efficiency Ratio
Current: 58.56% · Tier avg: 67.73%
48
48th pctile
Total Loans
Current: $116.3M · Tier avg: $139.2M
46
46th pctile
Total Assets
Current: $182.3M · Tier avg: $217.5M
45
45th pctile
Nonperforming Asset Ratio
Current: 0.37% · Tier avg: 0.45%
42
42th pctile
Delinquency Rate
Current: 0.58% · Tier avg: 0.64%
12
12th pctile
Total Deposits
Current: $55.9M · Tier avg: $183.7M
2
2th pctile
Non-Interest-Bearing Deposit Share
Current: 0.07% · Tier avg: 22.39%
Top Weaknesses
2
2th pctile
Non-Interest-Bearing Deposit Share
Current: 0.07% · Tier avg: 22.39%
12
12th pctile
Total Deposits
Current: $55.9M · Tier avg: $183.7M
42
42th pctile
Delinquency Rate
Current: 0.58% · Tier avg: 0.64%
45
45th pctile
Nonperforming Asset Ratio
Current: 0.37% · Tier avg: 0.45%
46
46th pctile
Total Assets
Current: $182.3M · Tier avg: $217.5M
48
48th pctile
Total Loans
Current: $116.3M · Tier avg: $139.2M
71
71th pctile
Efficiency Ratio
Current: 58.56% · Tier avg: 67.73%
87
87th pctile
Net Interest Margin
Current: 4.83% · Tier avg: 3.85%
96
96th pctile
Tier 1 Capital Ratio
Current: 29.25% · Tier avg: 8.85%
99
99th pctile
Non-Interest Income / Assets
Current: 3.81% · Tier avg: 0.56%
99
99th pctile
Return on Assets
Current: 3.51% · Tier avg: 1.08%