BlastPoint's Banking Scorecard
Asian Pacific National Bank
Micro
Specialty: Commercial
CA
FDIC cert 33013
Designations: ✓ Community bank
San Gabriel, CA
2498
banks in Micro tier nationally
36 in CA
View Micro leaderboard (CA) →
Asian Pacific National Bank demonstrates 2 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Nonperforming Asset Ratio 0.45% below 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 ? |
$57.4M
+2.9% YoY
-1.4% QoQ
|
-$160.1M |
$217.5M
+2.3% YoY
|
$4.7B
+7.1% YoY
|
$5.9B
+6.5% YoY
|
Bottom 9% in tier |
| Total Loans ? |
$30.3M
+8.9% YoY
-2.9% QoQ
|
-$108.9M |
$139.2M
+2.8% YoY
|
$3.2B
+8.7% YoY
|
$3.1B
+8.5% YoY
|
Bottom 11% in tier |
| Total Deposits ? |
$45.8M
+3.8% YoY
-1.8% QoQ
|
-$137.9M |
$183.7M
+1.8% YoY
|
$3.9B
+6.8% YoY
|
$4.7B
+6.3% YoY
|
Bottom 9% in tier |
| Return on Assets ? |
0.68%
+166.0% YoY
+7.5% QoQ
|
-0.41% |
1.08%
+14.7% YoY
|
0.96%
+10.8% YoY
|
1.12%
+15.6% YoY
|
26% |
| Net Interest Margin ? |
3.37%
+17.1% YoY
+2.9% QoQ
|
-0.49% |
3.85%
+6.6% YoY
|
3.80%
+7.5% YoY
|
3.75%
+7.1% YoY
|
28% |
| Efficiency Ratio ? |
78.15%
-12.8% YoY
-1.7% QoQ
|
+10.42% |
67.73%
-4.8% YoY
|
61.43%
-2.7% YoY
|
65.09%
-5.1% YoY
|
23% |
| 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 ? |
66.07%
+4.9% YoY
-1.2% QoQ
|
-8.45% |
74.53%
+0.5% YoY
|
85.48%
+0.3% YoY
|
78.04%
+0.7% YoY
|
33% |
| Non-Interest-Bearing Deposit Share ? |
12.19%
+1.4% YoY
+0.9% QoQ
|
-10.21% |
22.39%
-1.3% YoY
|
25.54%
-3.2% YoY
|
21.79%
-1.3% YoY
|
16% |
| 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 ? |
0.21%
-0.3% YoY
+35.3% QoQ
|
-0.35% |
0.56%
+0.3% YoY
|
0.50%
+8.5% YoY
|
0.65%
+0.6% YoY
|
25% |
Signature Analysis
Strengths (2)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
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
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%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
33
33th pctile
Loan-to-Deposit Ratio
Current: 66.07% · Tier avg: 74.53%
28
28th pctile
Net Interest Margin
Current: 3.37% · Tier avg: 3.85%
26
26th pctile
Return on Assets
Current: 0.68% · Tier avg: 1.08%
25
25th pctile
Non-Interest Income / Assets
Current: 0.21% · Tier avg: 0.56%
23
23th pctile
Efficiency Ratio
Current: 78.15% · Tier avg: 67.73%
16
16th pctile
Non-Interest-Bearing Deposit Share
Current: 12.19% · Tier avg: 22.39%
11
11th pctile
Total Loans
Current: $30.3M · Tier avg: $139.2M
9
9th pctile
Total Assets
Current: $57.4M · Tier avg: $217.5M
9
9th pctile
Total Deposits
Current: $45.8M · Tier avg: $183.7M
Top Weaknesses
9
9th pctile
Total Deposits
Current: $45.8M · Tier avg: $183.7M
9
9th pctile
Total Assets
Current: $57.4M · Tier avg: $217.5M
11
11th pctile
Total Loans
Current: $30.3M · Tier avg: $139.2M
16
16th pctile
Non-Interest-Bearing Deposit Share
Current: 12.19% · Tier avg: 22.39%
23
23th pctile
Efficiency Ratio
Current: 78.15% · Tier avg: 67.73%
25
25th pctile
Non-Interest Income / Assets
Current: 0.21% · Tier avg: 0.56%
26
26th pctile
Return on Assets
Current: 0.68% · Tier avg: 1.08%
28
28th pctile
Net Interest Margin
Current: 3.37% · Tier avg: 3.85%
33
33th pctile
Loan-to-Deposit Ratio
Current: 66.07% · Tier avg: 74.53%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
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%