BlastPoint's Banking Scorecard
California Bank of Commerce, National Association
Community
Specialty: Commercial
CA
FDIC cert 57044
San Diego, CA
1484
banks in Community tier nationally
59 in CA
View Community leaderboard (CA) →
California Bank of Commerce, National Association demonstrates 2 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 10% in Community
- + Deposit Franchise: Top 32% in Community
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 ? |
$4.0B
+0.0% YoY
-1.7% QoQ
|
+$2.6B |
$1.4B
+2.0% YoY
|
$4.7B
+7.1% YoY
|
$5.9B
+6.5% YoY
|
Top 3% in tier |
| Total Loans ? |
$3.0B
-2.6% YoY
+2.3% QoQ
|
+$2.0B |
$975.5M
+2.4% YoY
|
$3.2B
+8.7% YoY
|
$3.1B
+8.5% YoY
|
Top 2% in tier |
| Total Deposits ? |
$3.4B
-0.4% YoY
-2.6% QoQ
|
+$2.2B |
$1.2B
+1.7% YoY
|
$3.9B
+6.8% YoY
|
$4.7B
+6.3% YoY
|
Top 3% in tier |
| Return on Assets ? |
1.66%
+547.2% YoY
+0.4% QoQ
|
+0.49% |
1.16%
+17.2% YoY
|
0.96%
+10.8% YoY
|
1.12%
+15.6% YoY
|
82% |
| Net Interest Margin ? |
4.79%
+6.1% YoY
-0.1% QoQ
|
+1.13% |
3.66%
+9.1% YoY
|
3.80%
+7.5% YoY
|
3.75%
+7.1% YoY
|
Top 7% in tier |
| Efficiency Ratio ? |
52.46%
-28.2% YoY
+3.5% QoQ
|
-10.17% |
62.63%
-5.3% YoY
|
61.43%
-2.7% YoY
|
65.09%
-5.1% YoY
|
79% |
| Delinquency Rate ? |
0.53%
-37.8% YoY
+0.8% QoQ
|
-0.10% |
0.63%
+18.3% YoY
|
0.69%
+31.8% YoY
|
0.66%
+20.3% YoY
|
45% |
| Loan-to-Deposit Ratio ? |
89.21%
-2.3% YoY
+5.1% QoQ
|
+6.15% |
83.06%
+0.3% YoY
|
85.48%
+0.3% YoY
|
78.04%
+0.7% YoY
|
37% |
| Non-Interest-Bearing Deposit Share ? |
35.34%
-4.7% YoY
-2.3% QoQ
|
+14.29% |
21.05%
-0.9% YoY
|
25.54%
-3.2% YoY
|
21.79%
-1.3% YoY
|
Top 8% in tier |
| Nonperforming Asset Ratio ? |
0.40%
-47.5% YoY
+4.9% QoQ
|
-0.10% |
0.50%
+20.3% YoY
|
0.51%
+32.9% YoY
|
0.48%
+20.8% YoY
|
45% |
| Tier 1 Capital Ratio ? |
13.26%
+6.9% YoY
+2.4% QoQ
|
+3.01% |
10.24%
-0.6% YoY
|
11.83%
-4.8% YoY
|
9.75%
-1.9% YoY
|
60% |
| Non-Interest Income / Assets ? |
0.27%
+132.8% YoY
+39.4% QoQ
|
-0.46% |
0.74%
-1.3% YoY
|
0.50%
+8.5% YoY
|
0.65%
+0.6% YoY
|
20% |
Signature Analysis
Strengths (2)
Profitability Leader
growth
#38 of 371 · Top 10% in Community
Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Why this signature
Return on Assets:
1.66%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
444 nationally
→ Stable
+5 banks QoQ
|
QoQ rank improving
Deposit Franchise
growth
#48 of 150 · Top 32% in Community
Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.
Why this signature
Noninterest-Bearing Deposit Share:
35.34%
(Tier: 21.05%, National: 21.79%)
Net Interest Margin:
4.79%
(Tier: 3.66%, National: 3.75%)
150 of 150 Community banks match
·
176 nationally
→ Stable
+2 banks QoQ
|
QoQ rank improving
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
98
98th pctile
Total Loans
Current: $3.0B · Tier avg: $975.5M
97
97th pctile
Total Deposits
Current: $3.4B · Tier avg: $1.2B
97
97th pctile
Total Assets
Current: $4.0B · Tier avg: $1.4B
93
93th pctile
Net Interest Margin
Current: 4.79% · Tier avg: 3.66%
92
92th pctile
Non-Interest-Bearing Deposit Share
Current: 35.34% · Tier avg: 21.05%
82
82th pctile
Return on Assets
Current: 1.66% · Tier avg: 1.16%
79
79th pctile
Efficiency Ratio
Current: 52.46% · Tier avg: 62.63%
60
60th pctile
Tier 1 Capital Ratio
Current: 13.26% · Tier avg: 10.24%
45
45th pctile
Nonperforming Asset Ratio
Current: 0.40% · Tier avg: 0.50%
45
45th pctile
Delinquency Rate
Current: 0.53% · Tier avg: 0.63%
37
37th pctile
Loan-to-Deposit Ratio
Current: 89.21% · Tier avg: 83.06%
20
20th pctile
Non-Interest Income / Assets
Current: 0.27% · Tier avg: 0.74%
Top Weaknesses
20
20th pctile
Non-Interest Income / Assets
Current: 0.27% · Tier avg: 0.74%
37
37th pctile
Loan-to-Deposit Ratio
Current: 89.21% · Tier avg: 83.06%
45
45th pctile
Delinquency Rate
Current: 0.53% · Tier avg: 0.63%
45
45th pctile
Nonperforming Asset Ratio
Current: 0.40% · Tier avg: 0.50%
60
60th pctile
Tier 1 Capital Ratio
Current: 13.26% · Tier avg: 10.24%
79
79th pctile
Efficiency Ratio
Current: 52.46% · Tier avg: 62.63%
82
82th pctile
Return on Assets
Current: 1.66% · Tier avg: 1.16%
92
92th pctile
Non-Interest-Bearing Deposit Share
Current: 35.34% · Tier avg: 21.05%
93
93th pctile
Net Interest Margin
Current: 4.79% · Tier avg: 3.66%
97
97th pctile
Total Assets
Current: $4.0B · Tier avg: $1.4B
97
97th pctile
Total Deposits
Current: $3.4B · Tier avg: $1.2B
98
98th pctile
Total Loans
Current: $3.0B · Tier avg: $975.5M