BlastPoint's Banking Scorecard
Community Bank of Santa Maria
Micro
Specialty: Commercial
CA
FDIC cert 57073
Designations: ✓ Community bank
Santa Maria, CA
2498
banks in Micro tier nationally
36 in CA
View Micro leaderboard (CA) →
Community Bank of Santa Maria shows strong momentum with 3 strengths and 5.7% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Non-Interest-Bearing Deposit Share 18.95% above tier
- + Nonperforming Asset Ratio 0.45% below 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 ? |
$428.7M
+5.7% YoY
+3.6% QoQ
|
+$211.3M |
$217.5M
+2.3% YoY
|
$4.7B
+7.1% YoY
|
$5.9B
+6.5% YoY
|
Top 8% in tier |
| Total Loans ? |
$285.2M
+12.7% YoY
-0.4% QoQ
|
+$146.1M |
$139.2M
+2.8% YoY
|
$3.2B
+8.7% YoY
|
$3.1B
+8.5% YoY
|
Top 10% in tier |
| Total Deposits ? |
$384.5M
+4.9% YoY
+4.2% QoQ
|
+$200.9M |
$183.7M
+1.8% YoY
|
$3.9B
+6.8% YoY
|
$4.7B
+6.3% YoY
|
Top 5% in tier |
| Return on Assets ? |
1.04%
+15.6% YoY
+2.0% QoQ
|
-0.04% |
1.08%
+14.7% YoY
|
0.96%
+10.8% YoY
|
1.12%
+15.6% YoY
|
49% |
| Net Interest Margin ? |
4.16%
+6.3% YoY
+1.3% QoQ
|
+0.31% |
3.85%
+6.6% YoY
|
3.80%
+7.5% YoY
|
3.75%
+7.1% YoY
|
66% |
| Efficiency Ratio ? |
65.77%
-5.7% YoY
+0.3% QoQ
|
-1.95% |
67.73%
-4.8% YoY
|
61.43%
-2.7% YoY
|
65.09%
-5.1% YoY
|
51% |
| Delinquency Rate ? |
0.00%
-100.0% YoY
-100.0% QoQ
|
-0.64% |
0.64%
+24.4% YoY
|
0.69%
+31.8% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
74.18%
+7.3% YoY
-4.4% QoQ
|
-0.35% |
74.53%
+0.5% YoY
|
85.48%
+0.3% YoY
|
78.04%
+0.7% YoY
|
54% |
| Non-Interest-Bearing Deposit Share ? |
41.35%
+2.8% YoY
+4.6% QoQ
|
+18.95% |
22.39%
-1.3% YoY
|
25.54%
-3.2% YoY
|
21.79%
-1.3% YoY
|
Top 6% in tier |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% YoY
-100.0% QoQ
|
-0.45% |
0.45%
+25.1% YoY
|
0.51%
+32.9% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? |
14.57%
-4.6% YoY
+2.1% QoQ
|
+5.72% |
8.85%
-3.4% YoY
|
11.83%
-4.8% YoY
|
9.75%
-1.9% YoY
|
71% |
| Non-Interest Income / Assets ? |
0.34%
+15.6% YoY
+20.0% QoQ
|
-0.22% |
0.56%
+0.3% YoY
|
0.50%
+8.5% YoY
|
0.65%
+0.6% YoY
|
47% |
Signature Analysis
Strengths (3)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Non-Interest-Bearing Deposit Share
metric
Top 6%
in Micro
Why this stands out
Current:
41.35%
(Tier avg: 22.39%, National avg: 21.79%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
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
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
95
95th pctile
Total Deposits
Current: $384.5M · Tier avg: $183.7M
94
94th pctile
Non-Interest-Bearing Deposit Share
Current: 41.35% · Tier avg: 22.39%
92
92th pctile
Total Assets
Current: $428.7M · Tier avg: $217.5M
90
90th pctile
Total Loans
Current: $285.2M · Tier avg: $139.2M
71
71th pctile
Tier 1 Capital Ratio
Current: 14.57% · Tier avg: 8.85%
66
66th pctile
Net Interest Margin
Current: 4.16% · Tier avg: 3.85%
54
54th pctile
Loan-to-Deposit Ratio
Current: 74.18% · Tier avg: 74.53%
51
51th pctile
Efficiency Ratio
Current: 65.77% · Tier avg: 67.73%
49
49th pctile
Return on Assets
Current: 1.04% · Tier avg: 1.08%
47
47th pctile
Non-Interest Income / Assets
Current: 0.34% · Tier avg: 0.56%
Top Weaknesses
47
47th pctile
Non-Interest Income / Assets
Current: 0.34% · Tier avg: 0.56%
49
49th pctile
Return on Assets
Current: 1.04% · Tier avg: 1.08%
51
51th pctile
Efficiency Ratio
Current: 65.77% · Tier avg: 67.73%
54
54th pctile
Loan-to-Deposit Ratio
Current: 74.18% · Tier avg: 74.53%
66
66th pctile
Net Interest Margin
Current: 4.16% · Tier avg: 3.85%
71
71th pctile
Tier 1 Capital Ratio
Current: 14.57% · Tier avg: 8.85%
90
90th pctile
Total Loans
Current: $285.2M · Tier avg: $139.2M
92
92th pctile
Total Assets
Current: $428.7M · Tier avg: $217.5M
94
94th pctile
Non-Interest-Bearing Deposit Share
Current: 41.35% · Tier avg: 22.39%
95
95th pctile
Total Deposits
Current: $384.5M · Tier avg: $183.7M
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%