BlastPoint's Banking Scorecard
Tustin Community Bank
Micro
Specialty: Commercial
CA
FDIC cert 32908
Designations: ✓ Community bank
Tustin, CA
2498
banks in Micro tier nationally
36 in CA
View Micro leaderboard (CA) →
Tustin Community Bank demonstrates 1 strength
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 2.01% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$82.2M
+3.5% YoY
+3.0% QoQ
|
-$135.3M |
$217.5M
+2.3% YoY
|
$4.7B
+7.1% YoY
|
$5.9B
+6.5% YoY
|
17% |
| Total Loans ? |
$62.3M
-0.2% YoY
+5.7% QoQ
|
-$76.9M |
$139.2M
+2.8% YoY
|
$3.2B
+8.7% YoY
|
$3.1B
+8.5% YoY
|
25% |
| Total Deposits ? |
$68.7M
+11.7% YoY
+7.0% QoQ
|
-$115.0M |
$183.7M
+1.8% YoY
|
$3.9B
+6.8% YoY
|
$4.7B
+6.3% YoY
|
17% |
| Return on Assets ? |
0.64%
-28.8% YoY
+6.3% QoQ
|
-0.45% |
1.08%
+14.7% YoY
|
0.96%
+10.8% YoY
|
1.12%
+15.6% YoY
|
24% |
| Net Interest Margin ? |
5.87%
-7.5% YoY
+1.0% QoQ
|
+2.01% |
3.85%
+6.6% YoY
|
3.80%
+7.5% YoY
|
3.75%
+7.1% YoY
|
Top 3% in tier |
| Efficiency Ratio ? |
84.02%
+4.3% YoY
-0.5% QoQ
|
+16.29% |
67.73%
-4.8% YoY
|
61.43%
-2.7% YoY
|
65.09%
-5.1% YoY
|
Bottom 14% in tier |
| Delinquency Rate ? |
0.01%
-70.5% YoY
|
-0.63% |
0.64%
+24.4% YoY
|
0.69%
+31.8% YoY
|
0.66%
+20.3% YoY
|
81% |
| Loan-to-Deposit Ratio ? |
90.73%
-10.7% YoY
-1.2% QoQ
|
+16.20% |
74.53%
+0.5% YoY
|
85.48%
+0.3% YoY
|
78.04%
+0.7% YoY
|
79% |
| Non-Interest-Bearing Deposit Share ? |
18.27%
+29.8% YoY
-5.5% QoQ
|
-4.13% |
22.39%
-1.3% YoY
|
25.54%
-3.2% YoY
|
21.79%
-1.3% YoY
|
35% |
| Nonperforming Asset Ratio ? |
0.01%
-71.6% YoY
|
-0.45% |
0.45%
+25.1% YoY
|
0.51%
+32.9% YoY
|
0.48%
+20.8% YoY
|
82% |
| 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 ? |
0.28%
+14.4% YoY
+21.3% QoQ
|
-0.28% |
0.56%
+0.3% YoY
|
0.50%
+8.5% YoY
|
0.65%
+0.6% YoY
|
37% |
Signature Analysis
Strengths (1)
Net Interest Margin
metric
Top 3%
in Micro
Why this stands out
Current:
5.87%
(Tier avg: 3.85%, National avg: 3.75%)
Concerns (0)
No concerns identified
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
97
97th pctile
Net Interest Margin
Current: 5.87% · Tier avg: 3.85%
82
82th pctile
Nonperforming Asset Ratio
Current: 0.01% · Tier avg: 0.45%
81
81th pctile
Delinquency Rate
Current: 0.01% · Tier avg: 0.64%
79
79th pctile
Loan-to-Deposit Ratio
Current: 90.73% · Tier avg: 74.53%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
37
37th pctile
Non-Interest Income / Assets
Current: 0.28% · Tier avg: 0.56%
35
35th pctile
Non-Interest-Bearing Deposit Share
Current: 18.27% · Tier avg: 22.39%
25
25th pctile
Total Loans
Current: $62.3M · Tier avg: $139.2M
24
24th pctile
Return on Assets
Current: 0.64% · Tier avg: 1.08%
17
17th pctile
Total Deposits
Current: $68.7M · Tier avg: $183.7M
17
17th pctile
Total Assets
Current: $82.2M · Tier avg: $217.5M
14
14th pctile
Efficiency Ratio
Current: 84.02% · Tier avg: 67.73%
Top Weaknesses
14
14th pctile
Efficiency Ratio
Current: 84.02% · Tier avg: 67.73%
17
17th pctile
Total Assets
Current: $82.2M · Tier avg: $217.5M
17
17th pctile
Total Deposits
Current: $68.7M · Tier avg: $183.7M
24
24th pctile
Return on Assets
Current: 0.64% · Tier avg: 1.08%
25
25th pctile
Total Loans
Current: $62.3M · Tier avg: $139.2M
35
35th pctile
Non-Interest-Bearing Deposit Share
Current: 18.27% · Tier avg: 22.39%
37
37th pctile
Non-Interest Income / Assets
Current: 0.28% · Tier avg: 0.56%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
79
79th pctile
Loan-to-Deposit Ratio
Current: 90.73% · Tier avg: 74.53%
81
81th pctile
Delinquency Rate
Current: 0.01% · Tier avg: 0.64%
82
82th pctile
Nonperforming Asset Ratio
Current: 0.01% · Tier avg: 0.45%
97
97th pctile
Net Interest Margin
Current: 5.87% · Tier avg: 3.85%