BlastPoint's Banking Scorecard

Open Bank

Community Specialty: Commercial CA FDIC cert 57944

Los Angeles, CA

1484 banks in Community tier nationally 59 in CA

View Community leaderboard (CA) →

Open Bank shows stable performance across key metrics

Key Strengths

Areas where this bank excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

No key concerns identified

Get updates when Open Bank releases new data →

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Total Assets ?	$2.7B +12.0% YoY +1.4% QoQ	+$1.3B	$1.4B +2.0% YoY	$4.7B +7.1% YoY	$5.9B +6.5% YoY	Top 13% in tier
Total Loans ?	$2.2B +12.4% YoY +2.2% QoQ	+$1.2B	$975.5M +2.4% YoY	$3.2B +8.7% YoY	$3.1B +8.5% YoY	Top 8% in tier
Total Deposits ?	$2.3B +12.5% YoY +0.3% QoQ	+$1.1B	$1.2B +1.7% YoY	$3.9B +6.8% YoY	$4.7B +6.3% YoY	Top 12% in tier
Return on Assets ?	1.05% +10.2% YoY +3.3% QoQ	-0.11%	1.16% +17.2% YoY	0.96% +10.8% YoY	1.12% +15.6% YoY	44%
Net Interest Margin ?	3.25% +7.0% YoY +1.4% QoQ	-0.41%	3.66% +9.1% YoY	3.80% +7.5% YoY	3.75% +7.1% YoY	28%
Efficiency Ratio ?	57.72% -3.7% YoY -0.2% QoQ	-4.91%	62.63% -5.3% YoY	61.43% -2.7% YoY	65.09% -5.1% YoY	65%
Delinquency Rate ?	1.61% +21.6% YoY +14.4% QoQ	+0.98%	0.63% +18.3% YoY	0.69% +31.8% YoY	0.66% +20.3% YoY	Bottom 14% in tier
Loan-to-Deposit Ratio ?	95.42% -0.0% YoY +1.9% QoQ	+12.36%	83.06% +0.3% YoY	85.48% +0.3% YoY	78.04% +0.7% YoY	78%
Non-Interest-Bearing Deposit Share ?	23.11% -7.7% YoY -4.1% QoQ	+2.07%	21.05% -0.9% YoY	25.54% -3.2% YoY	21.79% -1.3% YoY	63%
Nonperforming Asset Ratio ?	1.32% +16.4% YoY +12.1% QoQ	+0.82%	0.50% +20.3% YoY	0.51% +32.9% YoY	0.48% +20.8% YoY	Bottom 13% in tier
Tier 1 Capital Ratio ?	12.05% +7.1% YoY +11.4% QoQ	+1.81%	10.24% -0.6% YoY	11.83% -4.8% YoY	9.75% -1.9% YoY	47%
Non-Interest Income / Assets ?	0.61% -12.1% YoY +24.8% QoQ	-0.13%	0.74% -1.3% YoY	0.50% +8.5% YoY	0.65% +0.6% YoY	62%

Signature Analysis

Strengths (0)

No strengths identified

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%

Compare against:

Comparing against 1484 peers in Community tier

Top Strengths

Total Loans

Current: $2.2B · Tier avg: $975.5M

92th pctile

Total Deposits

Current: $2.3B · Tier avg: $1.2B

88th pctile

Total Assets

Current: $2.7B · Tier avg: $1.4B

87th pctile

Loan-to-Deposit Ratio

Current: 95.42% · Tier avg: 83.06%

78th pctile

Efficiency Ratio

Current: 57.72% · Tier avg: 62.63%

65th pctile

Non-Interest-Bearing Deposit Share

Current: 23.11% · Tier avg: 21.05%

63th pctile

Non-Interest Income / Assets

Current: 0.61% · Tier avg: 0.74%

62th pctile

Tier 1 Capital Ratio

Current: 12.05% · Tier avg: 10.24%

47th pctile

Return on Assets

Current: 1.05% · Tier avg: 1.16%

44th pctile

Net Interest Margin

Current: 3.25% · Tier avg: 3.66%

28th pctile

Delinquency Rate

Current: 1.61% · Tier avg: 0.63%

14th pctile

Nonperforming Asset Ratio

Current: 1.32% · Tier avg: 0.50%

13th pctile

Top Weaknesses