BlastPoint's Banking Scorecard
Mizrahi Tefahot Bank, Ltd.
Mid-Market
Specialty: Commercial
CA
FDIC cert 33661
Los Angeles, CA
201
banks in Mid-Market tier nationally
18 in CA
View Mid-Market leaderboard (CA) →
Mizrahi Tefahot Bank, Ltd. has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Nonperforming Asset Ratio 0.50% below tier
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 4% in Mid-Market
- - Return on Assets 1.16% below tier
- - Net Interest Margin 3.40% below tier
- - Delinquency Rate 0.91% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$8.7B
-0.8% YoY
-12.9% QoQ
|
-$1.8B |
$10.5B
+2.9% YoY
|
$4.7B
+7.1% YoY
|
$5.9B
+6.5% YoY
|
52% |
| Total Loans ? |
$2.8B
+45.9% YoY
+5.5% QoQ
|
-$4.4B |
$7.1B
+4.5% YoY
|
$3.2B
+8.7% YoY
|
$3.1B
+8.5% YoY
|
Bottom 4% in tier |
| Total Deposits ? |
$4.0B
+48.4% YoY
+10.2% QoQ
|
-$4.5B |
$8.5B
+3.0% YoY
|
$3.9B
+6.8% YoY
|
$4.7B
+6.3% YoY
|
Bottom 4% in tier |
| Return on Assets ? | 0.00% | -1.16% |
1.16%
+9.4% YoY
|
0.96%
+10.8% YoY
|
1.12%
+15.6% YoY
|
Bottom 6% in tier |
| Net Interest Margin ? | 0.00% | -3.40% |
3.40%
+7.9% YoY
|
3.80%
+7.5% YoY
|
3.75%
+7.1% YoY
|
Bottom 3% in tier |
| Efficiency Ratio ? | 0.00% | -56.60% |
56.60%
-3.2% YoY
|
61.43%
-2.7% YoY
|
65.09%
-5.1% YoY
|
- |
| Delinquency Rate ? |
1.59%
+283.1% YoY
+208.2% QoQ
|
+0.91% |
0.68%
+12.0% YoY
|
0.69%
+31.8% YoY
|
0.66%
+20.3% YoY
|
Bottom 9% in tier |
| Loan-to-Deposit Ratio ? |
68.73%
-1.7% YoY
-4.3% QoQ
|
-16.74% |
85.47%
+1.1% YoY
|
85.48%
+0.3% YoY
|
78.04%
+0.7% YoY
|
Top 12% in tier |
| Non-Interest-Bearing Deposit Share ? | - | - |
20.64%
-0.3% YoY
|
25.54%
-3.2% YoY
|
21.79%
-1.3% YoY
|
- |
| Nonperforming Asset Ratio ? | 0.00% | -0.50% |
0.50%
+7.3% YoY
|
0.51%
+32.9% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -13.55% |
13.55%
+1.8% YoY
|
11.83%
-4.8% YoY
|
9.75%
-1.9% YoY
|
Bottom 1% in tier |
| Non-Interest Income / Assets ? | - | - |
0.96%
+7.1% YoY
|
0.50%
+8.5% YoY
|
0.65%
+0.6% YoY
|
- |
Signature Analysis
Strengths (1)
Nonperforming Asset Ratio
metric
Top 1%
in Mid-Market
Why this stands out
Current:
0.00%
(Tier avg: 0.50%, National avg: 0.48%)
Concerns (4)
Capital Thin
risk
#3 of 51 · Bottom 4% in Mid-Market
Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Why this signature
Tier 1 Risk-Based Capital Ratio:
0.00%
(Tier: 13.55%, National: 9.75%)
51 of 51 Mid-Market banks match
·
505 nationally
→ Stable
+11 banks QoQ
|
QoQ rank improving
Return on Assets
metric
Bottom 6%
in Mid-Market
Why this stands out
Current:
0.00%
(Tier avg: 1.16%, National avg: 1.12%)
Net Interest Margin
metric
Bottom 3%
in Mid-Market
Why this stands out
Current:
0.00%
(Tier avg: 3.40%, National avg: 3.75%)
Delinquency Rate
metric
Bottom 9%
in Mid-Market
Why this stands out
Current:
1.59%
(Tier avg: 0.68%, National avg: 0.66%)
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
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.50%
88
88th pctile
Loan-to-Deposit Ratio
Current: 68.73% · Tier avg: 85.47%
52
52th pctile
Total Assets
Current: $8.7B · Tier avg: $10.5B
9
9th pctile
Delinquency Rate
Current: 1.59% · Tier avg: 0.68%
6
6th pctile
Return on Assets
Current: 0.00% · Tier avg: 1.16%
4
4th pctile
Total Loans
Current: $2.8B · Tier avg: $7.1B
4
4th pctile
Total Deposits
Current: $4.0B · Tier avg: $8.5B
3
3th pctile
Net Interest Margin
Current: 0.00% · Tier avg: 3.40%
0
0th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 13.55%
Top Weaknesses
0
0th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 13.55%
3
3th pctile
Net Interest Margin
Current: 0.00% · Tier avg: 3.40%
4
4th pctile
Total Deposits
Current: $4.0B · Tier avg: $8.5B
4
4th pctile
Total Loans
Current: $2.8B · Tier avg: $7.1B
6
6th pctile
Return on Assets
Current: 0.00% · Tier avg: 1.16%
9
9th pctile
Delinquency Rate
Current: 1.59% · Tier avg: 0.68%
52
52th pctile
Total Assets
Current: $8.7B · Tier avg: $10.5B
88
88th pctile
Loan-to-Deposit Ratio
Current: 68.73% · Tier avg: 85.47%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.50%