BlastPoint's Banking Scorecard
First General Bank
Community
Specialty: Commercial
CA
FDIC cert 58060
Rowland Heights, CA
1484
banks in Community tier nationally
59 in CA
View Community leaderboard (CA) →
First General Bank has 4 strengths but faces 7 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 1.39% above tier
- + Net Interest Margin 1.80% above tier
- + Efficiency Ratio 31.22% below tier
- + Loan-to-Deposit Ratio 29.59% above tier
Key Concerns
Areas that may need attention
- - Cost Spiral: Bottom 5% in Community
- - Capital Thin: Bottom 9% in Community
- - Deposit Outflow: Bottom 11% in Community
- - Margin Compression: Bottom 42% in Community
- - Delinquency Rate 1.43% above tier
- - Nonperforming Asset Ratio 1.41% above tier
- - Non-Interest Income / Assets 0.63% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.1B
-1.5% YoY
-0.5% QoQ
|
-$255.9M |
$1.4B
+2.0% YoY
|
$4.7B
+7.1% YoY
|
$5.9B
+6.5% YoY
|
57% |
| Total Loans ? |
$908.1M
+8.5% YoY
+0.9% QoQ
|
-$67.4M |
$975.5M
+2.4% YoY
|
$3.2B
+8.7% YoY
|
$3.1B
+8.5% YoY
|
64% |
| Total Deposits ? |
$806.1M
-4.9% YoY
-2.0% QoQ
|
-$358.5M |
$1.2B
+1.7% YoY
|
$3.9B
+6.8% YoY
|
$4.7B
+6.3% YoY
|
47% |
| Return on Assets ? |
2.56%
-18.4% YoY
-4.8% QoQ
|
+1.39% |
1.16%
+17.2% YoY
|
0.96%
+10.8% YoY
|
1.12%
+15.6% YoY
|
Top 3% in tier |
| Net Interest Margin ? |
5.46%
-9.0% YoY
-1.1% QoQ
|
+1.80% |
3.66%
+9.1% YoY
|
3.80%
+7.5% YoY
|
3.75%
+7.1% YoY
|
Top 2% in tier |
| Efficiency Ratio ? |
31.42%
+20.0% YoY
+10.8% QoQ
|
-31.22% |
62.63%
-5.3% YoY
|
61.43%
-2.7% YoY
|
65.09%
-5.1% YoY
|
Top 1% in tier |
| Delinquency Rate ? |
2.06%
+62.4% YoY
+110.1% QoQ
|
+1.43% |
0.63%
+18.3% YoY
|
0.69%
+31.8% YoY
|
0.66%
+20.3% YoY
|
Bottom 9% in tier |
| Loan-to-Deposit Ratio ? |
112.65%
+14.1% YoY
+3.0% QoQ
|
+29.59% |
83.06%
+0.3% YoY
|
85.48%
+0.3% YoY
|
78.04%
+0.7% YoY
|
Top 3% in tier |
| Non-Interest-Bearing Deposit Share ? |
14.96%
-6.7% YoY
+7.8% QoQ
|
-6.08% |
21.05%
-0.9% YoY
|
25.54%
-3.2% YoY
|
21.79%
-1.3% YoY
|
25% |
| Nonperforming Asset Ratio ? |
1.91%
+62.0% YoY
+84.8% QoQ
|
+1.41% |
0.50%
+20.3% YoY
|
0.51%
+32.9% YoY
|
0.48%
+20.8% YoY
|
Bottom 7% in tier |
| 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 ? |
0.11%
-66.9% YoY
+26.5% QoQ
|
-0.63% |
0.74%
-1.3% YoY
|
0.50%
+8.5% YoY
|
0.65%
+0.6% YoY
|
Bottom 4% in tier |
Signature Analysis
Strengths (4)
Return on Assets
metric
Top 3%
in Community
Why this stands out
Current:
2.56%
(Tier avg: 1.16%, National avg: 1.12%)
Net Interest Margin
metric
Top 2%
in Community
Why this stands out
Current:
5.46%
(Tier avg: 3.66%, National avg: 3.75%)
Efficiency Ratio
metric
Top 1%
in Community
Why this stands out
Current:
31.42%
(Tier avg: 62.63%, National avg: 65.09%)
Loan-to-Deposit Ratio
metric
Top 3%
in Community
Why this stands out
Current:
112.65%
(Tier avg: 83.06%, National avg: 78.04%)
Concerns (7)
Cost Spiral
risk
#3 of 40 · Bottom 5% 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:
31.42%
(Tier: 62.63%, National: 65.09%)
40 of 40 Community banks match
·
50 nationally
↓ Shrinking
-10 banks QoQ
Capital Thin
risk
#40 of 432 · Bottom 9% in Community
Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Why this signature
Tier 1 Risk-Based Capital Ratio:
0.00%
(Tier: 10.24%, National: 9.75%)
432 of 432 Community banks match
·
505 nationally
→ Stable
+11 banks QoQ
|
QoQ rank improving
Deposit Outflow
decline
#29 of 248 · Bottom 11% in Community
Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
248 of 248 Community banks match
·
294 nationally
↑ Growing
+37 banks QoQ
|
QoQ rank improving
Margin Compression
decline
#51 of 120 · Bottom 42% 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:
2.56%
(Tier: 1.16%, National: 1.12%)
120 of 120 Community banks match
·
147 nationally
→ Stable
-9 banks QoQ
|
QoQ rank improving
Delinquency Rate
metric
Bottom 9%
in Community
Why this stands out
Current:
2.06%
(Tier avg: 0.63%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 7%
in Community
Why this stands out
Current:
1.91%
(Tier avg: 0.50%, National avg: 0.48%)
Non-Interest Income / Assets
metric
Bottom 4%
in Community
Why this stands out
Current:
0.11%
(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
99
99th pctile
Efficiency Ratio
Current: 31.42% · Tier avg: 62.63%
98
98th pctile
Net Interest Margin
Current: 5.46% · Tier avg: 3.66%
97
97th pctile
Loan-to-Deposit Ratio
Current: 112.65% · Tier avg: 83.06%
97
97th pctile
Return on Assets
Current: 2.56% · Tier avg: 1.16%
64
64th pctile
Total Loans
Current: $908.1M · Tier avg: $975.5M
57
57th pctile
Total Assets
Current: $1.1B · Tier avg: $1.4B
47
47th pctile
Total Deposits
Current: $806.1M · Tier avg: $1.2B
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
25
25th pctile
Non-Interest-Bearing Deposit Share
Current: 14.96% · Tier avg: 21.05%
9
9th pctile
Delinquency Rate
Current: 2.06% · Tier avg: 0.63%
7
7th pctile
Nonperforming Asset Ratio
Current: 1.91% · Tier avg: 0.50%
4
4th pctile
Non-Interest Income / Assets
Current: 0.11% · Tier avg: 0.74%
Top Weaknesses
4
4th pctile
Non-Interest Income / Assets
Current: 0.11% · Tier avg: 0.74%
7
7th pctile
Nonperforming Asset Ratio
Current: 1.91% · Tier avg: 0.50%
9
9th pctile
Delinquency Rate
Current: 2.06% · Tier avg: 0.63%
25
25th pctile
Non-Interest-Bearing Deposit Share
Current: 14.96% · Tier avg: 21.05%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
47
47th pctile
Total Deposits
Current: $806.1M · Tier avg: $1.2B
57
57th pctile
Total Assets
Current: $1.1B · Tier avg: $1.4B
64
64th pctile
Total Loans
Current: $908.1M · Tier avg: $975.5M
97
97th pctile
Return on Assets
Current: 2.56% · Tier avg: 1.16%
97
97th pctile
Loan-to-Deposit Ratio
Current: 112.65% · Tier avg: 83.06%
98
98th pctile
Net Interest Margin
Current: 5.46% · Tier avg: 3.66%
99
99th pctile
Efficiency Ratio
Current: 31.42% · Tier avg: 62.63%