BlastPoint's Banking Scorecard
California International Bank, N.A.
Micro
Specialty: Commercial
CA
FDIC cert 57974
Designations: ✓ Community bank
Westminster, CA
2498
banks in Micro tier nationally
36 in CA
View Micro leaderboard (CA) →
California International Bank, N.A. has 4 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 3.12% above tier
- + Delinquency Rate 0.64% below tier
- + Nonperforming Asset Ratio 0.45% below tier
- + Non-Interest Income / Assets 0.63% above tier
Key Concerns
Areas that may need attention
- - Non-Interest-Bearing Deposit Share 13.44% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$90.9M
+55.2% YoY
+1.6% QoQ
|
-$126.6M |
$217.5M
+2.3% YoY
|
$4.7B
+7.1% YoY
|
$5.9B
+6.5% YoY
|
20% |
| Total Loans ? |
$64.0M
+41.2% YoY
+9.6% QoQ
|
-$75.2M |
$139.2M
+2.8% YoY
|
$3.2B
+8.7% YoY
|
$3.1B
+8.5% YoY
|
26% |
| Total Deposits ? |
$76.5M
+64.4% YoY
-0.6% QoQ
|
-$107.2M |
$183.7M
+1.8% YoY
|
$3.9B
+6.8% YoY
|
$4.7B
+6.3% YoY
|
20% |
| Return on Assets ? |
1.35%
+29.0% QoQ
|
+0.26% |
1.08%
+14.7% YoY
|
0.96%
+10.8% YoY
|
1.12%
+15.6% YoY
|
67% |
| Net Interest Margin ? |
6.97%
-2.1% YoY
+0.2% QoQ
|
+3.12% |
3.85%
+6.6% YoY
|
3.80%
+7.5% YoY
|
3.75%
+7.1% YoY
|
Top 1% in tier |
| Efficiency Ratio ? |
81.62%
-18.1% YoY
-3.8% QoQ
|
+13.89% |
67.73%
-4.8% YoY
|
61.43%
-2.7% YoY
|
65.09%
-5.1% YoY
|
18% |
| Delinquency Rate ? | 0.00% | -0.64% |
0.64%
+24.4% YoY
|
0.69%
+31.8% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
83.63%
-14.1% YoY
+10.2% QoQ
|
+9.10% |
74.53%
+0.5% YoY
|
85.48%
+0.3% YoY
|
78.04%
+0.7% YoY
|
35% |
| Non-Interest-Bearing Deposit Share ? |
8.96%
-73.6% YoY
-55.0% QoQ
|
-13.44% |
22.39%
-1.3% YoY
|
25.54%
-3.2% YoY
|
21.79%
-1.3% YoY
|
Bottom 10% in tier |
| Nonperforming Asset Ratio ? | 0.00% | -0.45% |
0.45%
+25.1% YoY
|
0.51%
+32.9% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? |
0.00%
-100.0% YoY
|
-8.85% |
8.85%
-3.4% YoY
|
11.83%
-4.8% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
1.20%
+427.1% YoY
|
+0.63% |
0.56%
+0.3% YoY
|
0.50%
+8.5% YoY
|
0.65%
+0.6% YoY
|
Top 6% in tier |
Signature Analysis
Strengths (4)
Net Interest Margin
metric
Top 1%
in Micro
Why this stands out
Current:
6.97%
(Tier avg: 3.85%, National avg: 3.75%)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
Non-Interest Income / Assets
metric
Top 6%
in Micro
Why this stands out
Current:
1.20%
(Tier avg: 0.56%, National avg: 0.65%)
Concerns (1)
Non-Interest-Bearing Deposit Share
metric
Bottom 10%
in Micro
Why this stands out
Current:
8.96%
(Tier avg: 22.39%, National avg: 21.79%)
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
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Net Interest Margin
Current: 6.97% · Tier avg: 3.85%
94
94th pctile
Non-Interest Income / Assets
Current: 1.20% · Tier avg: 0.56%
67
67th pctile
Return on Assets
Current: 1.35% · Tier avg: 1.08%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
35
35th pctile
Loan-to-Deposit Ratio
Current: 83.63% · Tier avg: 74.53%
26
26th pctile
Total Loans
Current: $64.0M · Tier avg: $139.2M
20
20th pctile
Total Deposits
Current: $76.5M · Tier avg: $183.7M
20
20th pctile
Total Assets
Current: $90.9M · Tier avg: $217.5M
18
18th pctile
Efficiency Ratio
Current: 81.62% · Tier avg: 67.73%
10
10th pctile
Non-Interest-Bearing Deposit Share
Current: 8.96% · Tier avg: 22.39%
Top Weaknesses
10
10th pctile
Non-Interest-Bearing Deposit Share
Current: 8.96% · Tier avg: 22.39%
18
18th pctile
Efficiency Ratio
Current: 81.62% · Tier avg: 67.73%
20
20th pctile
Total Assets
Current: $90.9M · Tier avg: $217.5M
20
20th pctile
Total Deposits
Current: $76.5M · Tier avg: $183.7M
26
26th pctile
Total Loans
Current: $64.0M · Tier avg: $139.2M
35
35th pctile
Loan-to-Deposit Ratio
Current: 83.63% · Tier avg: 74.53%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
67
67th pctile
Return on Assets
Current: 1.35% · Tier avg: 1.08%
94
94th pctile
Non-Interest Income / Assets
Current: 1.20% · Tier avg: 0.56%
100
100th pctile
Net Interest Margin
Current: 6.97% · Tier avg: 3.85%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%