BlastPoint's Banking Scorecard
California Business Bank
Micro
Specialty: Commercial
CA
FDIC cert 58037
Designations: ✓ Community bank
Irvine, CA
2498
banks in Micro tier nationally
36 in CA
View Micro leaderboard (CA) →
California Business Bank has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest Income / Assets 0.97% above tier
Key Concerns
Areas that may need attention
- - Delinquency Rate 1.75% above tier
- - Nonperforming Asset Ratio 1.29% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$122.0M
+14.5% YoY
-4.9% QoQ
|
-$95.5M |
$217.5M
+2.3% YoY
|
$4.7B
+7.1% YoY
|
$5.9B
+6.5% YoY
|
30% |
| Total Loans ? |
$89.3M
+2.1% YoY
+5.4% QoQ
|
-$49.9M |
$139.2M
+2.8% YoY
|
$3.2B
+8.7% YoY
|
$3.1B
+8.5% YoY
|
39% |
| Total Deposits ? |
$100.4M
+16.8% YoY
-6.2% QoQ
|
-$83.3M |
$183.7M
+1.8% YoY
|
$3.9B
+6.8% YoY
|
$4.7B
+6.3% YoY
|
29% |
| Return on Assets ? |
0.75%
+51.3% YoY
+61.6% QoQ
|
-0.34% |
1.08%
+14.7% YoY
|
0.96%
+10.8% YoY
|
1.12%
+15.6% YoY
|
31% |
| Net Interest Margin ? |
4.25%
-2.9% YoY
+9.7% QoQ
|
+0.39% |
3.85%
+6.6% YoY
|
3.80%
+7.5% YoY
|
3.75%
+7.1% YoY
|
70% |
| Efficiency Ratio ? |
86.57%
-3.3% YoY
-5.0% QoQ
|
+18.84% |
67.73%
-4.8% YoY
|
61.43%
-2.7% YoY
|
65.09%
-5.1% YoY
|
Bottom 12% in tier |
| Delinquency Rate ? |
2.39%
-1.5% YoY
+35.8% QoQ
|
+1.75% |
0.64%
+24.4% YoY
|
0.69%
+31.8% YoY
|
0.66%
+20.3% YoY
|
Bottom 10% in tier |
| Loan-to-Deposit Ratio ? |
88.91%
-12.6% YoY
+12.3% QoQ
|
+14.39% |
74.53%
+0.5% YoY
|
85.48%
+0.3% YoY
|
78.04%
+0.7% YoY
|
25% |
| Non-Interest-Bearing Deposit Share ? |
29.50%
-10.8% YoY
+1.0% QoQ
|
+7.11% |
22.39%
-1.3% YoY
|
25.54%
-3.2% YoY
|
21.79%
-1.3% YoY
|
78% |
| Nonperforming Asset Ratio ? |
1.75%
-12.2% YoY
+50.6% QoQ
|
+1.29% |
0.45%
+25.1% YoY
|
0.51%
+32.9% YoY
|
0.48%
+20.8% YoY
|
Bottom 9% in tier |
| Tier 1 Capital Ratio ? |
18.00%
-1.3% YoY
+2.3% QoQ
|
+9.15% |
8.85%
-3.4% YoY
|
11.83%
-4.8% YoY
|
9.75%
-1.9% YoY
|
82% |
| Non-Interest Income / Assets ? |
1.53%
-0.9% YoY
+41.6% QoQ
|
+0.97% |
0.56%
+0.3% YoY
|
0.50%
+8.5% YoY
|
0.65%
+0.6% YoY
|
Top 4% in tier |
Signature Analysis
Strengths (1)
Non-Interest Income / Assets
metric
Top 4%
in Micro
Why this stands out
Current:
1.53%
(Tier avg: 0.56%, National avg: 0.65%)
Concerns (2)
Delinquency Rate
metric
Bottom 10%
in Micro
Why this stands out
Current:
2.39%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 9%
in Micro
Why this stands out
Current:
1.75%
(Tier avg: 0.45%, National avg: 0.48%)
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
96
96th pctile
Non-Interest Income / Assets
Current: 1.53% · Tier avg: 0.56%
82
82th pctile
Tier 1 Capital Ratio
Current: 18.00% · Tier avg: 8.85%
78
78th pctile
Non-Interest-Bearing Deposit Share
Current: 29.50% · Tier avg: 22.39%
70
70th pctile
Net Interest Margin
Current: 4.25% · Tier avg: 3.85%
39
39th pctile
Total Loans
Current: $89.3M · Tier avg: $139.2M
31
31th pctile
Return on Assets
Current: 0.75% · Tier avg: 1.08%
30
30th pctile
Total Assets
Current: $122.0M · Tier avg: $217.5M
29
29th pctile
Total Deposits
Current: $100.4M · Tier avg: $183.7M
25
25th pctile
Loan-to-Deposit Ratio
Current: 88.91% · Tier avg: 74.53%
12
12th pctile
Efficiency Ratio
Current: 86.57% · Tier avg: 67.73%
10
10th pctile
Delinquency Rate
Current: 2.39% · Tier avg: 0.64%
9
9th pctile
Nonperforming Asset Ratio
Current: 1.75% · Tier avg: 0.45%
Top Weaknesses
9
9th pctile
Nonperforming Asset Ratio
Current: 1.75% · Tier avg: 0.45%
10
10th pctile
Delinquency Rate
Current: 2.39% · Tier avg: 0.64%
12
12th pctile
Efficiency Ratio
Current: 86.57% · Tier avg: 67.73%
25
25th pctile
Loan-to-Deposit Ratio
Current: 88.91% · Tier avg: 74.53%
29
29th pctile
Total Deposits
Current: $100.4M · Tier avg: $183.7M
30
30th pctile
Total Assets
Current: $122.0M · Tier avg: $217.5M
31
31th pctile
Return on Assets
Current: 0.75% · Tier avg: 1.08%
39
39th pctile
Total Loans
Current: $89.3M · Tier avg: $139.2M
70
70th pctile
Net Interest Margin
Current: 4.25% · Tier avg: 3.85%
78
78th pctile
Non-Interest-Bearing Deposit Share
Current: 29.50% · Tier avg: 22.39%
82
82th pctile
Tier 1 Capital Ratio
Current: 18.00% · Tier avg: 8.85%
96
96th pctile
Non-Interest Income / Assets
Current: 1.53% · Tier avg: 0.56%