BlastPoint's Banking Scorecard

PCB Bank

Community Specialty: Commercial CA FDIC cert 57463

Los Angeles, CA

1484 banks in Community tier nationally 59 in CA

View Community leaderboard (CA) →

PCB 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

- Credit Quality Pressure: Bottom 25% in Community
- Credit Risk Growth: Bottom 34% in Community

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Total Assets ?	$3.3B +7.1% YoY -2.4% QoQ	+$1.9B	$1.4B +2.0% YoY	$4.7B +7.1% YoY	$5.9B +6.5% YoY	Top 7% in tier
Total Loans ?	$2.8B +7.4% YoY +2.6% QoQ	+$1.8B	$975.5M +2.4% YoY	$3.2B +8.7% YoY	$3.1B +8.5% YoY	Top 4% in tier
Total Deposits ?	$2.8B +7.0% YoY -4.0% QoQ	+$1.6B	$1.2B +1.7% YoY	$3.9B +6.8% YoY	$4.7B +6.3% YoY	Top 6% in tier
Return on Assets ?	1.18% +28.7% YoY -0.9% QoQ	+0.02%	1.16% +17.2% YoY	0.96% +10.8% YoY	1.12% +15.6% YoY	55%
Net Interest Margin ?	3.36% +4.4% YoY +0.5% QoQ	-0.31%	3.66% +9.1% YoY	3.80% +7.5% YoY	3.75% +7.1% YoY	33%
Efficiency Ratio ?	50.03% -15.4% YoY +0.3% QoQ	-12.60%	62.63% -5.3% YoY	61.43% -2.7% YoY	65.09% -5.1% YoY	84%
Delinquency Rate ?	0.28% +56.9% YoY -5.5% QoQ	-0.35%	0.63% +18.3% YoY	0.69% +31.8% YoY	0.66% +20.3% YoY	62%
Loan-to-Deposit Ratio ?	99.76% +0.5% YoY +6.9% 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 ?	20.18% -4.7% YoY +5.1% QoQ	-0.87%	21.05% -0.9% YoY	25.54% -3.2% YoY	21.79% -1.3% YoY	51%
Nonperforming Asset Ratio ?	0.24% +57.4% YoY -0.6% QoQ	-0.26%	0.50% +20.3% YoY	0.51% +32.9% YoY	0.48% +20.8% YoY	60%
Tier 1 Capital Ratio ?	13.49% -1.6% YoY -0.9% QoQ	+3.25%	10.24% -0.6% YoY	11.83% -4.8% YoY	9.75% -1.9% YoY	63%
Non-Interest Income / Assets ?	0.36% -1.5% YoY +30.1% QoQ	-0.38%	0.74% -1.3% YoY	0.50% +8.5% YoY	0.65% +0.6% YoY	31%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (2)

Credit Quality Pressure

risk

#202 of 808 · Bottom 25% in Community

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.28%

(Tier: 0.63%, National: 0.66%)

better than tier avg

808 of 808 Community banks match · 961 nationally

→ Stable +22 banks QoQ | QoQ rank declining

Credit Risk Growth

risk

#216 of 642 · Bottom 34% 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%

Compare against:

Comparing against 1484 peers in Community tier

Top Strengths

Total Loans

Current: $2.8B · Tier avg: $975.5M

96th pctile

Total Deposits

Current: $2.8B · Tier avg: $1.2B

94th pctile

Total Assets

Current: $3.3B · Tier avg: $1.4B

93th pctile

Efficiency Ratio

Current: 50.03% · Tier avg: 62.63%

84th pctile

Tier 1 Capital Ratio

Current: 13.49% · Tier avg: 10.24%

63th pctile

Delinquency Rate

Current: 0.28% · Tier avg: 0.63%

62th pctile

Nonperforming Asset Ratio

Current: 0.24% · Tier avg: 0.50%

60th pctile

Return on Assets

Current: 1.18% · Tier avg: 1.16%

55th pctile

Non-Interest-Bearing Deposit Share

Current: 20.18% · Tier avg: 21.05%

51th pctile

Net Interest Margin

Current: 3.36% · Tier avg: 3.66%

33th pctile

Non-Interest Income / Assets

Current: 0.36% · Tier avg: 0.74%

31th pctile

Loan-to-Deposit Ratio

Current: 99.76% · Tier avg: 83.06%

13th pctile

Top Weaknesses