BlastPoint's Banking Scorecard
Golden State Bank
Community
Specialty: Commercial
CA
FDIC cert 57585
Glendale, CA
1484
banks in Community tier nationally
59 in CA
View Community leaderboard (CA) →
Golden State 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
- - NIB Deposit Bleed: Bottom 31% in Community
- - Non-Interest Income / Assets 0.71% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$953.5M
+13.9% YoY
+2.8% QoQ
|
-$437.9M |
$1.4B
+2.0% YoY
|
$4.7B
+7.1% YoY
|
$5.9B
+6.5% YoY
|
47% |
| Total Loans ? |
$809.8M
+15.7% YoY
+3.3% QoQ
|
-$165.6M |
$975.5M
+2.4% YoY
|
$3.2B
+8.7% YoY
|
$3.1B
+8.5% YoY
|
58% |
| Total Deposits ? |
$811.1M
+13.1% YoY
+1.4% QoQ
|
-$353.5M |
$1.2B
+1.7% YoY
|
$3.9B
+6.8% YoY
|
$4.7B
+6.3% YoY
|
48% |
| Return on Assets ? |
1.11%
+0.0% YoY
-0.5% QoQ
|
-0.05% |
1.16%
+17.2% YoY
|
0.96%
+10.8% YoY
|
1.12%
+15.6% YoY
|
49% |
| Net Interest Margin ? |
4.04%
+4.2% YoY
+1.2% QoQ
|
+0.38% |
3.66%
+9.1% YoY
|
3.80%
+7.5% YoY
|
3.75%
+7.1% YoY
|
72% |
| Efficiency Ratio ? |
57.06%
+5.6% YoY
+1.6% QoQ
|
-5.57% |
62.63%
-5.3% YoY
|
61.43%
-2.7% YoY
|
65.09%
-5.1% YoY
|
67% |
| Delinquency Rate ? |
0.88%
-41.2% QoQ
|
+0.25% |
0.63%
+18.3% YoY
|
0.69%
+31.8% YoY
|
0.66%
+20.3% YoY
|
29% |
| Loan-to-Deposit Ratio ? |
99.84%
+2.3% YoY
+1.9% QoQ
|
+16.78% |
83.06%
+0.3% YoY
|
85.48%
+0.3% YoY
|
78.04%
+0.7% YoY
|
Bottom 13% in tier |
| Non-Interest-Bearing Deposit Share ? |
11.61%
-20.8% YoY
-8.7% QoQ
|
-9.43% |
21.05%
-0.9% YoY
|
25.54%
-3.2% YoY
|
21.79%
-1.3% YoY
|
Bottom 14% in tier |
| Nonperforming Asset Ratio ? |
0.75%
-40.9% QoQ
|
+0.25% |
0.50%
+20.3% YoY
|
0.51%
+32.9% YoY
|
0.48%
+20.8% YoY
|
27% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
11.83%
-4.8% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.03%
-56.4% YoY
+32.8% QoQ
|
-0.71% |
0.74%
-1.3% YoY
|
0.50%
+8.5% YoY
|
0.65%
+0.6% YoY
|
Bottom 1% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
NIB Deposit Bleed
decline
#28 of 89 · Bottom 31% in Community
Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.
Why this signature
Noninterest-Bearing Deposit Share:
11.61%
(Tier: 21.05%, National: 21.79%)
89 of 89 Community banks match
·
98 nationally
→ Stable
-10 banks QoQ
Non-Interest Income / Assets
metric
Bottom 1%
in Community
Why this stands out
Current:
0.03%
(Tier avg: 0.74%, National avg: 0.65%)
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
72
72th pctile
Net Interest Margin
Current: 4.04% · Tier avg: 3.66%
67
67th pctile
Efficiency Ratio
Current: 57.06% · Tier avg: 62.63%
58
58th pctile
Total Loans
Current: $809.8M · Tier avg: $975.5M
49
49th pctile
Return on Assets
Current: 1.11% · Tier avg: 1.16%
48
48th pctile
Total Deposits
Current: $811.1M · Tier avg: $1.2B
47
47th pctile
Total Assets
Current: $953.5M · Tier avg: $1.4B
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
29
29th pctile
Delinquency Rate
Current: 0.88% · Tier avg: 0.63%
27
27th pctile
Nonperforming Asset Ratio
Current: 0.75% · Tier avg: 0.50%
14
14th pctile
Non-Interest-Bearing Deposit Share
Current: 11.61% · Tier avg: 21.05%
13
13th pctile
Loan-to-Deposit Ratio
Current: 99.84% · Tier avg: 83.06%
1
1th pctile
Non-Interest Income / Assets
Current: 0.03% · Tier avg: 0.74%
Top Weaknesses
1
1th pctile
Non-Interest Income / Assets
Current: 0.03% · Tier avg: 0.74%
13
13th pctile
Loan-to-Deposit Ratio
Current: 99.84% · Tier avg: 83.06%
14
14th pctile
Non-Interest-Bearing Deposit Share
Current: 11.61% · Tier avg: 21.05%
27
27th pctile
Nonperforming Asset Ratio
Current: 0.75% · Tier avg: 0.50%
29
29th pctile
Delinquency Rate
Current: 0.88% · Tier avg: 0.63%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
47
47th pctile
Total Assets
Current: $953.5M · Tier avg: $1.4B
48
48th pctile
Total Deposits
Current: $811.1M · Tier avg: $1.2B
49
49th pctile
Return on Assets
Current: 1.11% · Tier avg: 1.16%
58
58th pctile
Total Loans
Current: $809.8M · Tier avg: $975.5M
67
67th pctile
Efficiency Ratio
Current: 57.06% · Tier avg: 62.63%
72
72th pctile
Net Interest Margin
Current: 4.04% · Tier avg: 3.66%