BlastPoint's Banking Scorecard
Chino Commercial Bank, N.A.
Micro
Specialty: Commercial
CA
FDIC cert 35366
Designations: ✓ Community bank
Chino, CA
2498
banks in Micro tier nationally
36 in CA
View Micro leaderboard (CA) →
Chino Commercial Bank, N.A. shows strong momentum with 1 strength and 5.7% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 27.52% 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 ? |
$492.9M
+5.7% YoY
+1.1% QoQ
|
+$275.5M |
$217.5M
+2.3% YoY
|
$4.7B
+7.1% YoY
|
$5.9B
+6.5% YoY
|
Top 1% in tier |
| Total Loans ? |
$214.2M
+7.0% YoY
+4.7% QoQ
|
+$75.0M |
$139.2M
+2.8% YoY
|
$3.2B
+8.7% YoY
|
$3.1B
+8.5% YoY
|
77% |
| Total Deposits ? |
$376.5M
+5.8% YoY
-4.1% QoQ
|
+$192.9M |
$183.7M
+1.8% YoY
|
$3.9B
+6.8% YoY
|
$4.7B
+6.3% YoY
|
Top 6% in tier |
| Return on Assets ? |
1.34%
+7.1% YoY
-2.0% QoQ
|
+0.26% |
1.08%
+14.7% YoY
|
0.96%
+10.8% YoY
|
1.12%
+15.6% YoY
|
67% |
| Net Interest Margin ? |
3.61%
+8.1% YoY
+1.1% QoQ
|
-0.24% |
3.85%
+6.6% YoY
|
3.80%
+7.5% YoY
|
3.75%
+7.1% YoY
|
39% |
| Efficiency Ratio ? |
53.43%
-0.9% YoY
-0.0% QoQ
|
-14.29% |
67.73%
-4.8% YoY
|
61.43%
-2.7% YoY
|
65.09%
-5.1% YoY
|
84% |
| Delinquency Rate ? |
0.33%
-46.3% YoY
-18.4% QoQ
|
-0.31% |
0.64%
+24.4% YoY
|
0.69%
+31.8% YoY
|
0.66%
+20.3% YoY
|
54% |
| Loan-to-Deposit Ratio ? |
56.89%
+1.1% YoY
+9.1% QoQ
|
-17.63% |
74.53%
+0.5% YoY
|
85.48%
+0.3% YoY
|
78.04%
+0.7% YoY
|
20% |
| Non-Interest-Bearing Deposit Share ? |
49.92%
+2.2% YoY
+2.2% QoQ
|
+27.52% |
22.39%
-1.3% YoY
|
25.54%
-3.2% YoY
|
21.79%
-1.3% YoY
|
Top 2% in tier |
| Nonperforming Asset Ratio ? |
0.14%
-45.6% YoY
-15.6% QoQ
|
-0.31% |
0.45%
+25.1% YoY
|
0.51%
+32.9% YoY
|
0.48%
+20.8% YoY
|
62% |
| 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 ? |
0.73%
+7.0% YoY
+33.9% QoQ
|
+0.16% |
0.56%
+0.3% YoY
|
0.50%
+8.5% YoY
|
0.65%
+0.6% YoY
|
84% |
Signature Analysis
Strengths (1)
Non-Interest-Bearing Deposit Share
metric
Top 2%
in Micro
Why this stands out
Current:
49.92%
(Tier avg: 22.39%, National avg: 21.79%)
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
99
99th pctile
Total Assets
Current: $492.9M · Tier avg: $217.5M
98
98th pctile
Non-Interest-Bearing Deposit Share
Current: 49.92% · Tier avg: 22.39%
94
94th pctile
Total Deposits
Current: $376.5M · Tier avg: $183.7M
84
84th pctile
Efficiency Ratio
Current: 53.43% · Tier avg: 67.73%
84
84th pctile
Non-Interest Income / Assets
Current: 0.73% · Tier avg: 0.56%
77
77th pctile
Total Loans
Current: $214.2M · Tier avg: $139.2M
67
67th pctile
Return on Assets
Current: 1.34% · Tier avg: 1.08%
62
62th pctile
Nonperforming Asset Ratio
Current: 0.14% · Tier avg: 0.45%
54
54th pctile
Delinquency Rate
Current: 0.33% · Tier avg: 0.64%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
39
39th pctile
Net Interest Margin
Current: 3.61% · Tier avg: 3.85%
20
20th pctile
Loan-to-Deposit Ratio
Current: 56.89% · Tier avg: 74.53%
Top Weaknesses
20
20th pctile
Loan-to-Deposit Ratio
Current: 56.89% · Tier avg: 74.53%
39
39th pctile
Net Interest Margin
Current: 3.61% · Tier avg: 3.85%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
54
54th pctile
Delinquency Rate
Current: 0.33% · Tier avg: 0.64%
62
62th pctile
Nonperforming Asset Ratio
Current: 0.14% · Tier avg: 0.45%
67
67th pctile
Return on Assets
Current: 1.34% · Tier avg: 1.08%
77
77th pctile
Total Loans
Current: $214.2M · Tier avg: $139.2M
84
84th pctile
Non-Interest Income / Assets
Current: 0.73% · Tier avg: 0.56%
84
84th pctile
Efficiency Ratio
Current: 53.43% · Tier avg: 67.73%
94
94th pctile
Total Deposits
Current: $376.5M · Tier avg: $183.7M
98
98th pctile
Non-Interest-Bearing Deposit Share
Current: 49.92% · Tier avg: 22.39%
99
99th pctile
Total Assets
Current: $492.9M · Tier avg: $217.5M