BlastPoint's Banking Scorecard
Preferred Bank
Mid-Market
Specialty: Commercial
CA
FDIC cert 33539
Los Angeles, CA
201
banks in Mid-Market tier nationally
18 in CA
View Mid-Market leaderboard (CA) →
Preferred Bank has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 26.20% below tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 42% in Mid-Market
- - Non-Interest Income / Assets 0.77% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$7.6B
+9.8% YoY
+1.8% QoQ
|
-$2.9B |
$10.5B
+2.9% YoY
|
$4.7B
+7.1% YoY
|
$5.9B
+6.5% YoY
|
41% |
| Total Loans ? |
$6.0B
+7.2% YoY
+3.1% QoQ
|
-$1.1B |
$7.1B
+4.5% YoY
|
$3.2B
+8.7% YoY
|
$3.1B
+8.5% YoY
|
50% |
| Total Deposits ? |
$6.4B
+7.2% YoY
+1.8% QoQ
|
-$2.2B |
$8.5B
+3.0% YoY
|
$3.9B
+6.8% YoY
|
$4.7B
+6.3% YoY
|
43% |
| Return on Assets ? |
1.84%
-4.2% YoY
+0.3% QoQ
|
+0.67% |
1.16%
+9.4% YoY
|
0.96%
+10.8% YoY
|
1.12%
+15.6% YoY
|
Top 11% in tier |
| Net Interest Margin ? |
3.85%
-7.1% YoY
-0.1% QoQ
|
+0.45% |
3.40%
+7.9% YoY
|
3.80%
+7.5% YoY
|
3.75%
+7.1% YoY
|
71% |
| Efficiency Ratio ? |
30.41%
-2.1% YoY
-1.0% QoQ
|
-26.20% |
56.60%
-3.2% YoY
|
61.43%
-2.7% YoY
|
65.09%
-5.1% YoY
|
Top 4% in tier |
| Delinquency Rate ? |
0.86%
+411.5% YoY
+182.6% QoQ
|
+0.17% |
0.68%
+12.0% YoY
|
0.69%
+31.8% YoY
|
0.66%
+20.3% YoY
|
31% |
| Loan-to-Deposit Ratio ? |
94.27%
-0.0% YoY
+1.2% QoQ
|
+8.80% |
85.47%
+1.1% YoY
|
85.48%
+0.3% YoY
|
78.04%
+0.7% YoY
|
75% |
| Non-Interest-Bearing Deposit Share ? |
11.35%
-7.3% YoY
+4.7% QoQ
|
-9.28% |
20.64%
-0.3% YoY
|
25.54%
-3.2% YoY
|
21.79%
-1.3% YoY
|
19% |
| Nonperforming Asset Ratio ? |
0.72%
+105.1% YoY
-23.3% QoQ
|
+0.22% |
0.50%
+7.3% YoY
|
0.51%
+32.9% YoY
|
0.48%
+20.8% YoY
|
25% |
| Tier 1 Capital Ratio ? |
11.26%
-4.6% YoY
-0.7% QoQ
|
-2.29% |
13.55%
+1.8% YoY
|
11.83%
-4.8% YoY
|
9.75%
-1.9% YoY
|
18% |
| Non-Interest Income / Assets ? |
0.19%
+10.8% YoY
+69.6% QoQ
|
-0.77% |
0.96%
+7.1% YoY
|
0.50%
+8.5% YoY
|
0.65%
+0.6% YoY
|
Bottom 7% in tier |
Signature Analysis
Strengths (1)
Efficiency Ratio
metric
Top 4%
in Mid-Market
Why this stands out
Current:
30.41%
(Tier avg: 56.60%, National avg: 65.09%)
Concerns (2)
Liquidity Strain
risk
#34 of 80 · Bottom 42% 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:
94.27%
(Tier: 85.47%, National: 78.04%)
80 of 80 Mid-Market banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank declining
Non-Interest Income / Assets
metric
Bottom 7%
in Mid-Market
Why this stands out
Current:
0.19%
(Tier avg: 0.96%, 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
96
96th pctile
Efficiency Ratio
Current: 30.41% · Tier avg: 56.60%
89
89th pctile
Return on Assets
Current: 1.84% · Tier avg: 1.16%
75
75th pctile
Loan-to-Deposit Ratio
Current: 94.27% · Tier avg: 85.47%
71
71th pctile
Net Interest Margin
Current: 3.85% · Tier avg: 3.40%
50
50th pctile
Total Loans
Current: $6.0B · Tier avg: $7.1B
43
43th pctile
Total Deposits
Current: $6.4B · Tier avg: $8.5B
41
41th pctile
Total Assets
Current: $7.6B · Tier avg: $10.5B
31
31th pctile
Delinquency Rate
Current: 0.86% · Tier avg: 0.68%
25
25th pctile
Nonperforming Asset Ratio
Current: 0.72% · Tier avg: 0.50%
19
19th pctile
Non-Interest-Bearing Deposit Share
Current: 11.35% · Tier avg: 20.64%
18
18th pctile
Tier 1 Capital Ratio
Current: 11.26% · Tier avg: 13.55%
7
7th pctile
Non-Interest Income / Assets
Current: 0.19% · Tier avg: 0.96%
Top Weaknesses
7
7th pctile
Non-Interest Income / Assets
Current: 0.19% · Tier avg: 0.96%
18
18th pctile
Tier 1 Capital Ratio
Current: 11.26% · Tier avg: 13.55%
19
19th pctile
Non-Interest-Bearing Deposit Share
Current: 11.35% · Tier avg: 20.64%
25
25th pctile
Nonperforming Asset Ratio
Current: 0.72% · Tier avg: 0.50%
31
31th pctile
Delinquency Rate
Current: 0.86% · Tier avg: 0.68%
41
41th pctile
Total Assets
Current: $7.6B · Tier avg: $10.5B
43
43th pctile
Total Deposits
Current: $6.4B · Tier avg: $8.5B
50
50th pctile
Total Loans
Current: $6.0B · Tier avg: $7.1B
71
71th pctile
Net Interest Margin
Current: 3.85% · Tier avg: 3.40%
75
75th pctile
Loan-to-Deposit Ratio
Current: 94.27% · Tier avg: 85.47%
89
89th pctile
Return on Assets
Current: 1.84% · Tier avg: 1.16%
96
96th pctile
Efficiency Ratio
Current: 30.41% · Tier avg: 56.60%