BlastPoint's Banking Scorecard
Malaga Bank F.S.B.
Community
Specialty: Commercial
CA
FDIC cert 32282
Palos Verdes Peninsula, CA
1484
banks in Community tier nationally
59 in CA
View Community leaderboard (CA) →
Malaga Bank F.S.B. has 4 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 31.21% below tier
- + Delinquency Rate 0.63% below tier
- + Nonperforming Asset Ratio 0.50% below tier
- + Tier 1 Capital Ratio 18.67% above tier
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 1% in Community
- - Liquidity Strain: Bottom 47% in Community
- - Non-Interest Income / Assets 0.67% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.4B
+1.6% YoY
+0.5% QoQ
|
+$42.9M |
$1.4B
+2.0% YoY
|
$4.7B
+7.1% YoY
|
$5.9B
+6.5% YoY
|
68% |
| Total Loans ? |
$1.2B
-0.2% YoY
+2.4% QoQ
|
+$261.7M |
$975.5M
+2.4% YoY
|
$3.2B
+8.7% YoY
|
$3.1B
+8.5% YoY
|
75% |
| Total Deposits ? |
$938.9M
+0.5% YoY
+0.1% QoQ
|
-$225.7M |
$1.2B
+1.7% YoY
|
$3.9B
+6.8% YoY
|
$4.7B
+6.3% YoY
|
56% |
| Return on Assets ? |
1.59%
-3.4% YoY
-1.9% QoQ
|
+0.42% |
1.16%
+17.2% YoY
|
0.96%
+10.8% YoY
|
1.12%
+15.6% YoY
|
78% |
| Net Interest Margin ? |
3.29%
+1.8% YoY
-0.1% QoQ
|
-0.37% |
3.66%
+9.1% YoY
|
3.80%
+7.5% YoY
|
3.75%
+7.1% YoY
|
30% |
| Efficiency Ratio ? |
31.42%
+7.9% YoY
+4.0% QoQ
|
-31.21% |
62.63%
-5.3% YoY
|
61.43%
-2.7% YoY
|
65.09%
-5.1% YoY
|
Top 1% in tier |
| 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 ? |
131.78%
-0.6% YoY
+2.3% QoQ
|
+48.71% |
83.06%
+0.3% YoY
|
85.48%
+0.3% YoY
|
78.04%
+0.7% YoY
|
Bottom 1% in tier |
| Non-Interest-Bearing Deposit Share ? |
20.19%
+12.0% YoY
+7.8% QoQ
|
-0.85% |
21.05%
-0.9% YoY
|
25.54%
-3.2% YoY
|
21.79%
-1.3% YoY
|
51% |
| 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 ? |
28.91%
+4.8% YoY
-1.2% QoQ
|
+18.67% |
10.24%
-0.6% YoY
|
11.83%
-4.8% YoY
|
9.75%
-1.9% YoY
|
Top 1% in tier |
| Non-Interest Income / Assets ? |
0.07%
-43.4% YoY
+34.4% QoQ
|
-0.67% |
0.74%
-1.3% YoY
|
0.50%
+8.5% YoY
|
0.65%
+0.6% YoY
|
Bottom 2% in tier |
Signature Analysis
Strengths (4)
Efficiency Ratio
metric
Top 1%
in Community
Why this stands out
Current:
31.42%
(Tier avg: 62.63%, National avg: 65.09%)
Delinquency Rate
metric
Top 1%
in Community
Why this stands out
Current:
0.00%
(Tier avg: 0.63%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 1%
in Community
Why this stands out
Current:
0.00%
(Tier avg: 0.50%, National avg: 0.48%)
Tier 1 Capital Ratio
metric
Top 1%
in Community
Why this stands out
Current:
28.91%
(Tier avg: 10.24%, National avg: 9.75%)
Concerns (3)
Liquidity Overhang
risk
#3 of 268 · Bottom 1% in Community
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:
28.91%
(Tier: 10.24%, National: 9.75%)
Loan-to-Deposit Ratio:
131.78%
(Tier: 83.06%, National: 78.04%)
268 of 268 Community banks match
·
314 nationally
→ Stable
+6 banks QoQ
Liquidity Strain
risk
#244 of 513 · Bottom 47% in Community
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
131.78%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank declining
Non-Interest Income / Assets
metric
Bottom 2%
in Community
Why this stands out
Current:
0.07%
(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
Efficiency Ratio
Current: 31.42% · Tier avg: 62.63%
99
99th pctile
Tier 1 Capital Ratio
Current: 28.91% · Tier avg: 10.24%
78
78th pctile
Return on Assets
Current: 1.59% · Tier avg: 1.16%
75
75th pctile
Total Loans
Current: $1.2B · Tier avg: $975.5M
68
68th pctile
Total Assets
Current: $1.4B · Tier avg: $1.4B
56
56th pctile
Total Deposits
Current: $938.9M · Tier avg: $1.2B
51
51th pctile
Non-Interest-Bearing Deposit Share
Current: 20.19% · Tier avg: 21.05%
30
30th pctile
Net Interest Margin
Current: 3.29% · Tier avg: 3.66%
2
2th pctile
Non-Interest Income / Assets
Current: 0.07% · Tier avg: 0.74%
1
1th pctile
Loan-to-Deposit Ratio
Current: 131.78% · Tier avg: 83.06%
Top Weaknesses
1
1th pctile
Loan-to-Deposit Ratio
Current: 131.78% · Tier avg: 83.06%
2
2th pctile
Non-Interest Income / Assets
Current: 0.07% · Tier avg: 0.74%
30
30th pctile
Net Interest Margin
Current: 3.29% · Tier avg: 3.66%
51
51th pctile
Non-Interest-Bearing Deposit Share
Current: 20.19% · Tier avg: 21.05%
56
56th pctile
Total Deposits
Current: $938.9M · Tier avg: $1.2B
68
68th pctile
Total Assets
Current: $1.4B · Tier avg: $1.4B
75
75th pctile
Total Loans
Current: $1.2B · Tier avg: $975.5M
78
78th pctile
Return on Assets
Current: 1.59% · Tier avg: 1.16%
99
99th pctile
Tier 1 Capital Ratio
Current: 28.91% · Tier avg: 10.24%
99
99th pctile
Efficiency Ratio
Current: 31.42% · Tier avg: 62.63%
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%