BlastPoint's Banking Scorecard
Commonwealth Business Bank
Community
Specialty: Commercial
CA
FDIC cert 57873
Los Angeles, CA
1484
banks in Community tier nationally
59 in CA
View Community leaderboard (CA) →
Commonwealth Business Bank has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Tier 1 Capital Ratio 8.76% above tier
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 18% in Community
- - Liquidity Overhang: Bottom 36% in Community
- - Cost Spiral: Bottom 46% in Community
- - NIB Deposit Bleed: Bottom 68% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.0B
+10.5% YoY
+2.3% QoQ
|
+$615.5M |
$1.4B
+2.0% YoY
|
$4.7B
+7.1% YoY
|
$5.9B
+6.5% YoY
|
79% |
| Total Loans ? |
$1.4B
+1.7% YoY
+1.0% QoQ
|
+$471.0M |
$975.5M
+2.4% YoY
|
$3.2B
+8.7% YoY
|
$3.1B
+8.5% YoY
|
80% |
| Total Deposits ? |
$1.7B
+15.3% YoY
+2.5% QoQ
|
+$543.1M |
$1.2B
+1.7% YoY
|
$3.9B
+6.8% YoY
|
$4.7B
+6.3% YoY
|
80% |
| Return on Assets ? |
0.98%
-26.0% YoY
-1.6% QoQ
|
-0.18% |
1.16%
+17.2% YoY
|
0.96%
+10.8% YoY
|
1.12%
+15.6% YoY
|
38% |
| Net Interest Margin ? |
3.38%
-9.2% YoY
-1.0% QoQ
|
-0.29% |
3.66%
+9.1% YoY
|
3.80%
+7.5% YoY
|
3.75%
+7.1% YoY
|
35% |
| Efficiency Ratio ? |
60.03%
+10.3% YoY
+1.1% QoQ
|
-2.60% |
62.63%
-5.3% YoY
|
61.43%
-2.7% YoY
|
65.09%
-5.1% YoY
|
56% |
| Delinquency Rate ? |
1.54%
-6.6% YoY
-13.2% QoQ
|
+0.92% |
0.63%
+18.3% YoY
|
0.69%
+31.8% YoY
|
0.66%
+20.3% YoY
|
Bottom 15% in tier |
| Loan-to-Deposit Ratio ? |
84.70%
-11.8% YoY
-1.4% QoQ
|
+1.64% |
83.06%
+0.3% YoY
|
85.48%
+0.3% YoY
|
78.04%
+0.7% YoY
|
50% |
| Non-Interest-Bearing Deposit Share ? |
17.78%
-13.8% YoY
+5.1% QoQ
|
-3.27% |
21.05%
-0.9% YoY
|
25.54%
-3.2% YoY
|
21.79%
-1.3% YoY
|
38% |
| Nonperforming Asset Ratio ? |
1.39%
+5.4% YoY
+6.3% QoQ
|
+0.90% |
0.50%
+20.3% YoY
|
0.51%
+32.9% YoY
|
0.48%
+20.8% YoY
|
Bottom 12% in tier |
| Tier 1 Capital Ratio ? |
19.01%
+0.3% YoY
-1.1% QoQ
|
+8.76% |
10.24%
-0.6% YoY
|
11.83%
-4.8% YoY
|
9.75%
-1.9% YoY
|
Top 9% in tier |
| Non-Interest Income / Assets ? |
0.39%
-23.7% YoY
+27.1% QoQ
|
-0.35% |
0.74%
-1.3% YoY
|
0.50%
+8.5% YoY
|
0.65%
+0.6% YoY
|
34% |
Signature Analysis
Strengths (1)
Tier 1 Capital Ratio
metric
Top 9%
in Community
Why this stands out
Current:
19.01%
(Tier avg: 10.24%, National avg: 9.75%)
Concerns (4)
Margin Compression
decline
#22 of 120 · Bottom 18% in Community
Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Why this signature
Return on Assets:
0.98%
(Tier: 1.16%, National: 1.12%)
120 of 120 Community banks match
·
147 nationally
→ Stable
-9 banks QoQ
|
QoQ rank improving
Liquidity Overhang
risk
#96 of 268 · Bottom 36% in Community
Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Why this signature
Tier 1 Risk-Based Capital Ratio:
19.01%
(Tier: 10.24%, National: 9.75%)
Loan-to-Deposit Ratio:
84.70%
(Tier: 83.06%, National: 78.04%)
268 of 268 Community banks match
·
314 nationally
→ Stable
+6 banks QoQ
|
QoQ rank declining
Cost Spiral
risk
#19 of 40 · Bottom 46% in Community
Historically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.
Why this signature
Efficiency Ratio:
60.03%
(Tier: 62.63%, National: 65.09%)
40 of 40 Community banks match
·
50 nationally
↓ Shrinking
-10 banks QoQ
NIB Deposit Bleed
decline
#61 of 89 · Bottom 68% 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:
17.78%
(Tier: 21.05%, National: 21.79%)
89 of 89 Community banks match
·
98 nationally
→ Stable
-10 banks QoQ
|
QoQ rank declining
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
91
91th pctile
Tier 1 Capital Ratio
Current: 19.01% · Tier avg: 10.24%
80
80th pctile
Total Deposits
Current: $1.7B · Tier avg: $1.2B
80
80th pctile
Total Loans
Current: $1.4B · Tier avg: $975.5M
79
79th pctile
Total Assets
Current: $2.0B · Tier avg: $1.4B
56
56th pctile
Efficiency Ratio
Current: 60.03% · Tier avg: 62.63%
50
50th pctile
Loan-to-Deposit Ratio
Current: 84.70% · Tier avg: 83.06%
38
38th pctile
Non-Interest-Bearing Deposit Share
Current: 17.78% · Tier avg: 21.05%
38
38th pctile
Return on Assets
Current: 0.98% · Tier avg: 1.16%
35
35th pctile
Net Interest Margin
Current: 3.38% · Tier avg: 3.66%
34
34th pctile
Non-Interest Income / Assets
Current: 0.39% · Tier avg: 0.74%
15
15th pctile
Delinquency Rate
Current: 1.54% · Tier avg: 0.63%
12
12th pctile
Nonperforming Asset Ratio
Current: 1.39% · Tier avg: 0.50%
Top Weaknesses
12
12th pctile
Nonperforming Asset Ratio
Current: 1.39% · Tier avg: 0.50%
15
15th pctile
Delinquency Rate
Current: 1.54% · Tier avg: 0.63%
34
34th pctile
Non-Interest Income / Assets
Current: 0.39% · Tier avg: 0.74%
35
35th pctile
Net Interest Margin
Current: 3.38% · Tier avg: 3.66%
38
38th pctile
Return on Assets
Current: 0.98% · Tier avg: 1.16%
38
38th pctile
Non-Interest-Bearing Deposit Share
Current: 17.78% · Tier avg: 21.05%
50
50th pctile
Loan-to-Deposit Ratio
Current: 84.70% · Tier avg: 83.06%
56
56th pctile
Efficiency Ratio
Current: 60.03% · Tier avg: 62.63%
79
79th pctile
Total Assets
Current: $2.0B · Tier avg: $1.4B
80
80th pctile
Total Loans
Current: $1.4B · Tier avg: $975.5M
80
80th pctile
Total Deposits
Current: $1.7B · Tier avg: $1.2B
91
91th pctile
Tier 1 Capital Ratio
Current: 19.01% · Tier avg: 10.24%