BlastPoint's Banking Scorecard
EverTrust Bank
Community
Specialty: Commercial
CA
FDIC cert 34010
City Of Industry, CA
1484
banks in Community tier nationally
59 in CA
View Community leaderboard (CA) →
EverTrust Bank faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 26% 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 ? |
$1.1B
+17.1% YoY
+1.7% QoQ
|
-$283.5M |
$1.4B
+2.0% YoY
|
$4.7B
+7.1% YoY
|
$5.9B
+6.5% YoY
|
56% |
| Total Loans ? |
$832.1M
+27.1% YoY
+3.1% QoQ
|
-$143.3M |
$975.5M
+2.4% YoY
|
$3.2B
+8.7% YoY
|
$3.1B
+8.5% YoY
|
59% |
| Total Deposits ? |
$834.2M
+22.4% YoY
+2.2% QoQ
|
-$330.4M |
$1.2B
+1.7% YoY
|
$3.9B
+6.8% YoY
|
$4.7B
+6.3% YoY
|
50% |
| Return on Assets ? |
1.22%
-44.0% YoY
-3.8% QoQ
|
+0.06% |
1.16%
+17.2% YoY
|
0.96%
+10.8% YoY
|
1.12%
+15.6% YoY
|
58% |
| Net Interest Margin ? |
3.78%
-4.9% YoY
-1.7% QoQ
|
+0.12% |
3.66%
+9.1% YoY
|
3.80%
+7.5% YoY
|
3.75%
+7.1% YoY
|
59% |
| Efficiency Ratio ? |
51.20%
-5.3% YoY
+1.2% QoQ
|
-11.44% |
62.63%
-5.3% YoY
|
61.43%
-2.7% YoY
|
65.09%
-5.1% YoY
|
82% |
| Delinquency Rate ? |
0.85%
+157.8% YoY
+150.0% QoQ
|
+0.22% |
0.63%
+18.3% YoY
|
0.69%
+31.8% YoY
|
0.66%
+20.3% YoY
|
30% |
| Loan-to-Deposit Ratio ? |
99.76%
+3.9% YoY
+0.9% QoQ
|
+16.69% |
83.06%
+0.3% YoY
|
85.48%
+0.3% YoY
|
78.04%
+0.7% YoY
|
Bottom 13% in tier |
| Non-Interest-Bearing Deposit Share ? |
15.30%
+10.1% YoY
-19.2% QoQ
|
-5.74% |
21.05%
-0.9% YoY
|
25.54%
-3.2% YoY
|
21.79%
-1.3% YoY
|
27% |
| Nonperforming Asset Ratio ? |
0.64%
+160.6% YoY
+142.7% QoQ
|
+0.14% |
0.50%
+20.3% YoY
|
0.51%
+32.9% YoY
|
0.48%
+20.8% YoY
|
32% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
11.83%
-4.8% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.07%
-47.6% YoY
+18.3% 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 (0)
No strengths identified
Concerns (2)
Margin Compression
decline
#32 of 120 · Bottom 26% in Community
Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Why this signature
Return on Assets:
1.22%
(Tier: 1.16%, National: 1.12%)
120 of 120 Community banks match
·
147 nationally
→ Stable
-9 banks QoQ
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
82
82th pctile
Efficiency Ratio
Current: 51.20% · Tier avg: 62.63%
59
59th pctile
Total Loans
Current: $832.1M · Tier avg: $975.5M
59
59th pctile
Net Interest Margin
Current: 3.78% · Tier avg: 3.66%
58
58th pctile
Return on Assets
Current: 1.22% · Tier avg: 1.16%
56
56th pctile
Total Assets
Current: $1.1B · Tier avg: $1.4B
50
50th pctile
Total Deposits
Current: $834.2M · Tier avg: $1.2B
32
32th pctile
Nonperforming Asset Ratio
Current: 0.64% · Tier avg: 0.50%
30
30th pctile
Delinquency Rate
Current: 0.85% · Tier avg: 0.63%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
27
27th pctile
Non-Interest-Bearing Deposit Share
Current: 15.30% · Tier avg: 21.05%
13
13th pctile
Loan-to-Deposit Ratio
Current: 99.76% · Tier avg: 83.06%
2
2th pctile
Non-Interest Income / Assets
Current: 0.07% · Tier avg: 0.74%
Top Weaknesses
2
2th pctile
Non-Interest Income / Assets
Current: 0.07% · Tier avg: 0.74%
13
13th pctile
Loan-to-Deposit Ratio
Current: 99.76% · Tier avg: 83.06%
27
27th pctile
Non-Interest-Bearing Deposit Share
Current: 15.30% · Tier avg: 21.05%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
30
30th pctile
Delinquency Rate
Current: 0.85% · Tier avg: 0.63%
32
32th pctile
Nonperforming Asset Ratio
Current: 0.64% · Tier avg: 0.50%
50
50th pctile
Total Deposits
Current: $834.2M · Tier avg: $1.2B
56
56th pctile
Total Assets
Current: $1.1B · Tier avg: $1.4B
58
58th pctile
Return on Assets
Current: 1.22% · Tier avg: 1.16%
59
59th pctile
Net Interest Margin
Current: 3.78% · Tier avg: 3.66%
59
59th pctile
Total Loans
Current: $832.1M · Tier avg: $975.5M
82
82th pctile
Efficiency Ratio
Current: 51.20% · Tier avg: 62.63%