BlastPoint's Banking Scorecard
Home Bank of California
Micro
Specialty: Commercial
CA
FDIC cert 26271
Designations: ✓ Community bank
San Diego, CA
2498
banks in Micro tier nationally
36 in CA
View Micro leaderboard (CA) →
Home Bank of California has 5 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 1.15% above tier
- + Efficiency Ratio 21.34% below tier
- + Delinquency Rate 0.64% below tier
- + Loan-to-Deposit Ratio 40.81% above tier
- + Nonperforming Asset Ratio 0.45% below tier
Key Concerns
Areas that may need attention
- - Non-Interest-Bearing Deposit Share 17.29% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$246.7M
+2.8% YoY
-2.9% QoQ
|
+$29.2M |
$217.5M
+2.3% YoY
|
$4.7B
+7.1% YoY
|
$5.9B
+6.5% YoY
|
62% |
| Total Loans ? |
$225.7M
+2.5% YoY
-3.1% QoQ
|
+$86.5M |
$139.2M
+2.8% YoY
|
$3.2B
+8.7% YoY
|
$3.1B
+8.5% YoY
|
80% |
| Total Deposits ? |
$195.6M
+3.5% YoY
-0.9% QoQ
|
+$12.0M |
$183.7M
+1.8% YoY
|
$3.9B
+6.8% YoY
|
$4.7B
+6.3% YoY
|
58% |
| Return on Assets ? |
2.23%
+38.9% YoY
+2.9% QoQ
|
+1.15% |
1.08%
+14.7% YoY
|
0.96%
+10.8% YoY
|
1.12%
+15.6% YoY
|
Top 6% in tier |
| Net Interest Margin ? |
4.30%
+2.6% YoY
+1.0% QoQ
|
+0.45% |
3.85%
+6.6% YoY
|
3.80%
+7.5% YoY
|
3.75%
+7.1% YoY
|
72% |
| Efficiency Ratio ? |
46.39%
-18.5% YoY
-2.3% QoQ
|
-21.34% |
67.73%
-4.8% YoY
|
61.43%
-2.7% YoY
|
65.09%
-5.1% YoY
|
Top 6% in tier |
| 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 ? |
115.34%
-0.9% YoY
-2.2% QoQ
|
+40.81% |
74.53%
+0.5% YoY
|
85.48%
+0.3% YoY
|
78.04%
+0.7% YoY
|
Top 2% in tier |
| Non-Interest-Bearing Deposit Share ? |
5.11%
-21.3% YoY
+0.4% QoQ
|
-17.29% |
22.39%
-1.3% YoY
|
25.54%
-3.2% YoY
|
21.79%
-1.3% YoY
|
Bottom 5% 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 ? |
0.13%
+27.6% YoY
+28.5% QoQ
|
-0.44% |
0.56%
+0.3% YoY
|
0.50%
+8.5% YoY
|
0.65%
+0.6% YoY
|
Bottom 11% in tier |
Signature Analysis
Strengths (5)
Return on Assets
metric
Top 6%
in Micro
Why this stands out
Current:
2.23%
(Tier avg: 1.08%, National avg: 1.12%)
Efficiency Ratio
metric
Top 6%
in Micro
Why this stands out
Current:
46.39%
(Tier avg: 67.73%, National avg: 65.09%)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Loan-to-Deposit Ratio
metric
Top 2%
in Micro
Why this stands out
Current:
115.34%
(Tier avg: 74.53%, National avg: 78.04%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
Concerns (1)
Non-Interest-Bearing Deposit Share
metric
Bottom 5%
in Micro
Why this stands out
Current:
5.11%
(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%
98
98th pctile
Loan-to-Deposit Ratio
Current: 115.34% · Tier avg: 74.53%
94
94th pctile
Return on Assets
Current: 2.23% · Tier avg: 1.08%
94
94th pctile
Efficiency Ratio
Current: 46.39% · Tier avg: 67.73%
80
80th pctile
Total Loans
Current: $225.7M · Tier avg: $139.2M
72
72th pctile
Net Interest Margin
Current: 4.30% · Tier avg: 3.85%
62
62th pctile
Total Assets
Current: $246.7M · Tier avg: $217.5M
58
58th pctile
Total Deposits
Current: $195.6M · Tier avg: $183.7M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
11
11th pctile
Non-Interest Income / Assets
Current: 0.13% · Tier avg: 0.56%
5
5th pctile
Non-Interest-Bearing Deposit Share
Current: 5.11% · Tier avg: 22.39%
Top Weaknesses
5
5th pctile
Non-Interest-Bearing Deposit Share
Current: 5.11% · Tier avg: 22.39%
11
11th pctile
Non-Interest Income / Assets
Current: 0.13% · Tier avg: 0.56%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
58
58th pctile
Total Deposits
Current: $195.6M · Tier avg: $183.7M
62
62th pctile
Total Assets
Current: $246.7M · Tier avg: $217.5M
72
72th pctile
Net Interest Margin
Current: 4.30% · Tier avg: 3.85%
80
80th pctile
Total Loans
Current: $225.7M · Tier avg: $139.2M
94
94th pctile
Efficiency Ratio
Current: 46.39% · Tier avg: 67.73%
94
94th pctile
Return on Assets
Current: 2.23% · Tier avg: 1.08%
98
98th pctile
Loan-to-Deposit Ratio
Current: 115.34% · Tier avg: 74.53%
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%