BlastPoint's Banking Scorecard
Bank of Hope
Mid-Market
Specialty: Commercial
CA
FDIC cert 26610
Los Angeles, CA
201
banks in Mid-Market tier nationally
18 in CA
View Mid-Market leaderboard (CA) →
Bank of Hope faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 47% in Mid-Market
- - Credit Risk Growth: Bottom 48% in Mid-Market
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$18.5B
+8.7% YoY
+0.1% QoQ
|
+$8.1B |
$10.5B
+2.9% YoY
|
$4.7B
+7.1% YoY
|
$5.9B
+6.5% YoY
|
Top 12% in tier |
| Total Loans ? |
$14.6B
+8.5% YoY
+1.1% QoQ
|
+$7.5B |
$7.1B
+4.5% YoY
|
$3.2B
+8.7% YoY
|
$3.1B
+8.5% YoY
|
Top 6% in tier |
| Total Deposits ? |
$15.6B
+8.9% YoY
-1.4% QoQ
|
+$7.1B |
$8.5B
+3.0% YoY
|
$3.9B
+6.8% YoY
|
$4.7B
+6.3% YoY
|
Top 10% in tier |
| Return on Assets ? |
0.42%
-34.9% YoY
+65.2% QoQ
|
-0.74% |
1.16%
+9.4% YoY
|
0.96%
+10.8% YoY
|
1.12%
+15.6% YoY
|
Bottom 11% in tier |
| Net Interest Margin ? |
2.90%
+9.7% YoY
+1.9% QoQ
|
-0.50% |
3.40%
+7.9% YoY
|
3.80%
+7.5% YoY
|
3.75%
+7.1% YoY
|
24% |
| Efficiency Ratio ? |
69.20%
+7.9% YoY
-1.7% QoQ
|
+12.60% |
56.60%
-3.2% YoY
|
61.43%
-2.7% YoY
|
65.09%
-5.1% YoY
|
17% |
| Delinquency Rate ? |
1.03%
+18.7% YoY
+8.3% QoQ
|
+0.35% |
0.68%
+12.0% YoY
|
0.69%
+31.8% YoY
|
0.66%
+20.3% YoY
|
23% |
| Loan-to-Deposit Ratio ? |
93.67%
-0.3% YoY
+2.6% QoQ
|
+8.19% |
85.47%
+1.1% YoY
|
85.48%
+0.3% YoY
|
78.04%
+0.7% YoY
|
28% |
| Non-Interest-Bearing Deposit Share ? |
21.70%
-8.4% YoY
-2.5% QoQ
|
+1.06% |
20.64%
-0.3% YoY
|
25.54%
-3.2% YoY
|
21.79%
-1.3% YoY
|
51% |
| Nonperforming Asset Ratio ? |
0.82%
+18.9% YoY
+9.6% QoQ
|
+0.32% |
0.50%
+7.3% YoY
|
0.51%
+32.9% YoY
|
0.48%
+20.8% YoY
|
20% |
| Tier 1 Capital Ratio ? |
12.82%
-5.8% YoY
+1.2% QoQ
|
-0.73% |
13.55%
+1.8% YoY
|
11.83%
-4.8% YoY
|
9.75%
-1.9% YoY
|
46% |
| Non-Interest Income / Assets ? |
0.32%
+24.7% YoY
+35.8% QoQ
|
-0.63% |
0.96%
+7.1% YoY
|
0.50%
+8.5% YoY
|
0.65%
+0.6% YoY
|
19% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Liquidity Strain
risk
#38 of 80 · Bottom 47% in Mid-Market
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
93.67%
(Tier: 85.47%, National: 78.04%)
80 of 80 Mid-Market banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank declining
Credit Risk Growth
risk
#42 of 87 · Bottom 48% in Mid-Market
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
87 of 87 Mid-Market banks match
·
759 nationally
→ Stable
+24 banks QoQ
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
94
94th pctile
Total Loans
Current: $14.6B · Tier avg: $7.1B
90
90th pctile
Total Deposits
Current: $15.6B · Tier avg: $8.5B
88
88th pctile
Total Assets
Current: $18.5B · Tier avg: $10.5B
51
51th pctile
Non-Interest-Bearing Deposit Share
Current: 21.70% · Tier avg: 20.64%
46
46th pctile
Tier 1 Capital Ratio
Current: 12.82% · Tier avg: 13.55%
28
28th pctile
Loan-to-Deposit Ratio
Current: 93.67% · Tier avg: 85.47%
24
24th pctile
Net Interest Margin
Current: 2.90% · Tier avg: 3.40%
23
23th pctile
Delinquency Rate
Current: 1.03% · Tier avg: 0.68%
20
20th pctile
Nonperforming Asset Ratio
Current: 0.82% · Tier avg: 0.50%
19
19th pctile
Non-Interest Income / Assets
Current: 0.32% · Tier avg: 0.96%
17
17th pctile
Efficiency Ratio
Current: 69.20% · Tier avg: 56.60%
11
11th pctile
Return on Assets
Current: 0.42% · Tier avg: 1.16%
Top Weaknesses
11
11th pctile
Return on Assets
Current: 0.42% · Tier avg: 1.16%
17
17th pctile
Efficiency Ratio
Current: 69.20% · Tier avg: 56.60%
19
19th pctile
Non-Interest Income / Assets
Current: 0.32% · Tier avg: 0.96%
20
20th pctile
Nonperforming Asset Ratio
Current: 0.82% · Tier avg: 0.50%
23
23th pctile
Delinquency Rate
Current: 1.03% · Tier avg: 0.68%
24
24th pctile
Net Interest Margin
Current: 2.90% · Tier avg: 3.40%
28
28th pctile
Loan-to-Deposit Ratio
Current: 93.67% · Tier avg: 85.47%
46
46th pctile
Tier 1 Capital Ratio
Current: 12.82% · Tier avg: 13.55%
51
51th pctile
Non-Interest-Bearing Deposit Share
Current: 21.70% · Tier avg: 20.64%
88
88th pctile
Total Assets
Current: $18.5B · Tier avg: $10.5B
90
90th pctile
Total Deposits
Current: $15.6B · Tier avg: $8.5B
94
94th pctile
Total Loans
Current: $14.6B · Tier avg: $7.1B