BlastPoint's Banking Scorecard
Bank of San Francisco
Community
Specialty: Commercial
CA
FDIC cert 58069
San Francisco, CA
1484
banks in Community tier nationally
59 in CA
View Community leaderboard (CA) →
Bank of San Francisco has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Deposit Franchise: Top 26% in Community
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 28% in Community
- - Non-Interest Income / Assets 0.66% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$733.1M
+19.1% YoY
+5.0% QoQ
|
-$658.4M |
$1.4B
+2.0% YoY
|
$4.7B
+7.1% YoY
|
$5.9B
+6.5% YoY
|
30% |
| Total Loans ? |
$615.4M
+22.8% YoY
+7.2% QoQ
|
-$360.1M |
$975.5M
+2.4% YoY
|
$3.2B
+8.7% YoY
|
$3.1B
+8.5% YoY
|
43% |
| Total Deposits ? |
$637.6M
+20.1% YoY
+5.2% QoQ
|
-$527.0M |
$1.2B
+1.7% YoY
|
$3.9B
+6.8% YoY
|
$4.7B
+6.3% YoY
|
32% |
| Return on Assets ? |
1.01%
-4.6% YoY
+8.8% QoQ
|
-0.16% |
1.16%
+17.2% YoY
|
0.96%
+10.8% YoY
|
1.12%
+15.6% YoY
|
40% |
| Net Interest Margin ? |
4.46%
+9.9% YoY
+2.2% QoQ
|
+0.80% |
3.66%
+9.1% YoY
|
3.80%
+7.5% YoY
|
3.75%
+7.1% YoY
|
Top 14% in tier |
| Efficiency Ratio ? |
63.60%
-0.1% YoY
-1.9% QoQ
|
+0.97% |
62.63%
-5.3% YoY
|
61.43%
-2.7% YoY
|
65.09%
-5.1% YoY
|
46% |
| Delinquency Rate ? |
0.11%
-58.7% YoY
-39.5% QoQ
|
-0.52% |
0.63%
+18.3% YoY
|
0.69%
+31.8% YoY
|
0.66%
+20.3% YoY
|
81% |
| Loan-to-Deposit Ratio ? |
96.52%
+2.2% YoY
+1.9% QoQ
|
+13.46% |
83.06%
+0.3% YoY
|
85.48%
+0.3% YoY
|
78.04%
+0.7% YoY
|
20% |
| Non-Interest-Bearing Deposit Share ? |
41.64%
+11.9% YoY
+5.9% QoQ
|
+20.60% |
21.05%
-0.9% YoY
|
25.54%
-3.2% YoY
|
21.79%
-1.3% YoY
|
Top 3% in tier |
| Nonperforming Asset Ratio ? |
0.09%
-57.5% YoY
-38.2% QoQ
|
-0.41% |
0.50%
+20.3% YoY
|
0.51%
+32.9% YoY
|
0.48%
+20.8% YoY
|
80% |
| Tier 1 Capital Ratio ? |
16.14%
-13.6% YoY
-5.7% QoQ
|
+5.90% |
10.24%
-0.6% YoY
|
11.83%
-4.8% YoY
|
9.75%
-1.9% YoY
|
83% |
| Non-Interest Income / Assets ? |
0.08%
-45.7% YoY
+46.1% QoQ
|
-0.66% |
0.74%
-1.3% YoY
|
0.50%
+8.5% YoY
|
0.65%
+0.6% YoY
|
Bottom 3% in tier |
Signature Analysis
Strengths (1)
Deposit Franchise
growth
#39 of 150 · Top 26% in Community
Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.
Why this signature
Noninterest-Bearing Deposit Share:
41.64%
(Tier: 21.05%, National: 21.79%)
Net Interest Margin:
4.46%
(Tier: 3.66%, National: 3.75%)
150 of 150 Community banks match
·
176 nationally
→ Stable
+2 banks QoQ
|
QoQ rank improving
Concerns (2)
Liquidity Overhang
risk
#77 of 268 · Bottom 28% 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:
16.14%
(Tier: 10.24%, National: 9.75%)
Loan-to-Deposit Ratio:
96.52%
(Tier: 83.06%, National: 78.04%)
268 of 268 Community banks match
·
314 nationally
→ Stable
+6 banks QoQ
|
QoQ rank declining
Non-Interest Income / Assets
metric
Bottom 3%
in Community
Why this stands out
Current:
0.08%
(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
97
97th pctile
Non-Interest-Bearing Deposit Share
Current: 41.64% · Tier avg: 21.05%
86
86th pctile
Net Interest Margin
Current: 4.46% · Tier avg: 3.66%
83
83th pctile
Tier 1 Capital Ratio
Current: 16.14% · Tier avg: 10.24%
81
81th pctile
Delinquency Rate
Current: 0.11% · Tier avg: 0.63%
80
80th pctile
Nonperforming Asset Ratio
Current: 0.09% · Tier avg: 0.50%
46
46th pctile
Efficiency Ratio
Current: 63.60% · Tier avg: 62.63%
43
43th pctile
Total Loans
Current: $615.4M · Tier avg: $975.5M
40
40th pctile
Return on Assets
Current: 1.01% · Tier avg: 1.16%
32
32th pctile
Total Deposits
Current: $637.6M · Tier avg: $1.2B
30
30th pctile
Total Assets
Current: $733.1M · Tier avg: $1.4B
20
20th pctile
Loan-to-Deposit Ratio
Current: 96.52% · Tier avg: 83.06%
3
3th pctile
Non-Interest Income / Assets
Current: 0.08% · Tier avg: 0.74%
Top Weaknesses
3
3th pctile
Non-Interest Income / Assets
Current: 0.08% · Tier avg: 0.74%
20
20th pctile
Loan-to-Deposit Ratio
Current: 96.52% · Tier avg: 83.06%
30
30th pctile
Total Assets
Current: $733.1M · Tier avg: $1.4B
32
32th pctile
Total Deposits
Current: $637.6M · Tier avg: $1.2B
40
40th pctile
Return on Assets
Current: 1.01% · Tier avg: 1.16%
43
43th pctile
Total Loans
Current: $615.4M · Tier avg: $975.5M
46
46th pctile
Efficiency Ratio
Current: 63.60% · Tier avg: 62.63%
80
80th pctile
Nonperforming Asset Ratio
Current: 0.09% · Tier avg: 0.50%
81
81th pctile
Delinquency Rate
Current: 0.11% · Tier avg: 0.63%
83
83th pctile
Tier 1 Capital Ratio
Current: 16.14% · Tier avg: 10.24%
86
86th pctile
Net Interest Margin
Current: 4.46% · Tier avg: 3.66%
97
97th pctile
Non-Interest-Bearing Deposit Share
Current: 41.64% · Tier avg: 21.05%