BlastPoint's Banking Scorecard
Commercial Bank of California
Community
Specialty: Commercial
CA
FDIC cert 57417
Irvine, CA
1484
banks in Community tier nationally
59 in CA
View Community leaderboard (CA) →
Commercial Bank of California has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 18.16% above tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 48% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$3.7B
+4.6% YoY
-3.8% QoQ
|
+$2.3B |
$1.4B
+2.0% YoY
|
$4.7B
+7.1% YoY
|
$5.9B
+6.5% YoY
|
Top 4% in tier |
| Total Loans ? |
$2.7B
+9.8% YoY
+3.6% QoQ
|
+$1.8B |
$975.5M
+2.4% YoY
|
$3.2B
+8.7% YoY
|
$3.1B
+8.5% YoY
|
Top 4% in tier |
| Total Deposits ? |
$3.1B
+7.4% YoY
-4.8% QoQ
|
+$1.9B |
$1.2B
+1.7% YoY
|
$3.9B
+6.8% YoY
|
$4.7B
+6.3% YoY
|
Top 5% in tier |
| Return on Assets ? |
1.16%
+97.0% YoY
+6.9% QoQ
|
-0.01% |
1.16%
+17.2% YoY
|
0.96%
+10.8% YoY
|
1.12%
+15.6% YoY
|
52% |
| Net Interest Margin ? |
3.77%
+10.9% YoY
+1.2% QoQ
|
+0.11% |
3.66%
+9.1% YoY
|
3.80%
+7.5% YoY
|
3.75%
+7.1% YoY
|
58% |
| Efficiency Ratio ? |
56.70%
-17.0% YoY
-3.6% QoQ
|
-5.93% |
62.63%
-5.3% YoY
|
61.43%
-2.7% YoY
|
65.09%
-5.1% YoY
|
68% |
| Delinquency Rate ? |
0.41%
+30.5% YoY
+3.7% QoQ
|
-0.22% |
0.63%
+18.3% YoY
|
0.69%
+31.8% YoY
|
0.66%
+20.3% YoY
|
53% |
| Loan-to-Deposit Ratio ? |
88.87%
+2.2% YoY
+8.8% QoQ
|
+5.81% |
83.06%
+0.3% YoY
|
85.48%
+0.3% YoY
|
78.04%
+0.7% YoY
|
62% |
| Non-Interest-Bearing Deposit Share ? |
39.20%
-2.3% YoY
-6.6% QoQ
|
+18.16% |
21.05%
-0.9% YoY
|
25.54%
-3.2% YoY
|
21.79%
-1.3% YoY
|
Top 5% in tier |
| Nonperforming Asset Ratio ? |
0.40%
+79.1% YoY
+3.5% QoQ
|
-0.10% |
0.50%
+20.3% YoY
|
0.51%
+32.9% YoY
|
0.48%
+20.8% YoY
|
46% |
| Tier 1 Capital Ratio ? |
11.41%
+8.0% YoY
+1.8% QoQ
|
+1.16% |
10.24%
-0.6% YoY
|
11.83%
-4.8% YoY
|
9.75%
-1.9% YoY
|
40% |
| Non-Interest Income / Assets ? |
0.59%
+18.3% YoY
+39.3% QoQ
|
-0.14% |
0.74%
-1.3% YoY
|
0.50%
+8.5% YoY
|
0.65%
+0.6% YoY
|
60% |
Signature Analysis
Strengths (1)
Non-Interest-Bearing Deposit Share
metric
Top 5%
in Community
Why this stands out
Current:
39.20%
(Tier avg: 21.05%, National avg: 21.79%)
Concerns (1)
Credit Risk Growth
risk
#308 of 642 · Bottom 48% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
|
QoQ rank improving
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
96
96th pctile
Total Loans
Current: $2.7B · Tier avg: $975.5M
96
96th pctile
Total Assets
Current: $3.7B · Tier avg: $1.4B
95
95th pctile
Total Deposits
Current: $3.1B · Tier avg: $1.2B
95
95th pctile
Non-Interest-Bearing Deposit Share
Current: 39.20% · Tier avg: 21.05%
68
68th pctile
Efficiency Ratio
Current: 56.70% · Tier avg: 62.63%
62
62th pctile
Loan-to-Deposit Ratio
Current: 88.87% · Tier avg: 83.06%
60
60th pctile
Non-Interest Income / Assets
Current: 0.59% · Tier avg: 0.74%
58
58th pctile
Net Interest Margin
Current: 3.77% · Tier avg: 3.66%
53
53th pctile
Delinquency Rate
Current: 0.41% · Tier avg: 0.63%
52
52th pctile
Return on Assets
Current: 1.16% · Tier avg: 1.16%
46
46th pctile
Nonperforming Asset Ratio
Current: 0.40% · Tier avg: 0.50%
40
40th pctile
Tier 1 Capital Ratio
Current: 11.41% · Tier avg: 10.24%
Top Weaknesses
40
40th pctile
Tier 1 Capital Ratio
Current: 11.41% · Tier avg: 10.24%
46
46th pctile
Nonperforming Asset Ratio
Current: 0.40% · Tier avg: 0.50%
52
52th pctile
Return on Assets
Current: 1.16% · Tier avg: 1.16%
53
53th pctile
Delinquency Rate
Current: 0.41% · Tier avg: 0.63%
58
58th pctile
Net Interest Margin
Current: 3.77% · Tier avg: 3.66%
60
60th pctile
Non-Interest Income / Assets
Current: 0.59% · Tier avg: 0.74%
62
62th pctile
Loan-to-Deposit Ratio
Current: 88.87% · Tier avg: 83.06%
68
68th pctile
Efficiency Ratio
Current: 56.70% · Tier avg: 62.63%
95
95th pctile
Non-Interest-Bearing Deposit Share
Current: 39.20% · Tier avg: 21.05%
95
95th pctile
Total Deposits
Current: $3.1B · Tier avg: $1.2B
96
96th pctile
Total Assets
Current: $3.7B · Tier avg: $1.4B
96
96th pctile
Total Loans
Current: $2.7B · Tier avg: $975.5M