BlastPoint's Banking Scorecard
FFB Bank
Community
Specialty: Commercial
CA
FDIC cert 58090
Fresno, CA
1484
banks in Community tier nationally
59 in CA
View Community leaderboard (CA) →
FFB Bank has 3 strengths but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Deposit Franchise: Top 1% in Community
- + Revenue Diversifier: Top 10% in Community
- + Tier 1 Capital Ratio 9.04% above tier
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 20% in Community
- - Liquidity Overhang: Bottom 29% in Community
- - Cost Spiral: Bottom 56% in Community
- - Delinquency Rate 1.74% above tier
- - Nonperforming Asset Ratio 1.26% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.6B
+5.0% YoY
+4.7% QoQ
|
+$187.9M |
$1.4B
+2.0% YoY
|
$4.7B
+7.1% YoY
|
$5.9B
+6.5% YoY
|
72% |
| Total Loans ? |
$1.2B
+11.4% YoY
+4.3% QoQ
|
+$199.7M |
$975.5M
+2.4% YoY
|
$3.2B
+8.7% YoY
|
$3.1B
+8.5% YoY
|
74% |
| Total Deposits ? |
$1.3B
+4.5% YoY
+6.7% QoQ
|
+$179.5M |
$1.2B
+1.7% YoY
|
$3.9B
+6.8% YoY
|
$4.7B
+6.3% YoY
|
73% |
| Return on Assets ? |
1.65%
-33.3% YoY
-13.1% QoQ
|
+0.48% |
1.16%
+17.2% YoY
|
0.96%
+10.8% YoY
|
1.12%
+15.6% YoY
|
81% |
| Net Interest Margin ? |
5.33%
-1.2% YoY
-1.6% QoQ
|
+1.66% |
3.66%
+9.1% YoY
|
3.80%
+7.5% YoY
|
3.75%
+7.1% YoY
|
Top 3% in tier |
| Efficiency Ratio ? |
58.13%
+18.0% YoY
+1.6% QoQ
|
-4.50% |
62.63%
-5.3% YoY
|
61.43%
-2.7% YoY
|
65.09%
-5.1% YoY
|
64% |
| Delinquency Rate ? |
2.37%
+129.4% YoY
-4.5% QoQ
|
+1.74% |
0.63%
+18.3% YoY
|
0.69%
+31.8% YoY
|
0.66%
+20.3% YoY
|
Bottom 7% in tier |
| Loan-to-Deposit Ratio ? |
87.43%
+6.5% YoY
-2.3% QoQ
|
+4.37% |
83.06%
+0.3% YoY
|
85.48%
+0.3% YoY
|
78.04%
+0.7% YoY
|
43% |
| Non-Interest-Bearing Deposit Share ? |
58.53%
-9.3% YoY
-2.9% QoQ
|
+37.49% |
21.05%
-0.9% YoY
|
25.54%
-3.2% YoY
|
21.79%
-1.3% YoY
|
Top 1% in tier |
| Nonperforming Asset Ratio ? |
1.76%
+143.3% YoY
-8.1% QoQ
|
+1.26% |
0.50%
+20.3% YoY
|
0.51%
+32.9% YoY
|
0.48%
+20.8% YoY
|
Bottom 8% in tier |
| Tier 1 Capital Ratio ? |
19.29%
-2.3% YoY
-2.0% QoQ
|
+9.04% |
10.24%
-0.6% YoY
|
11.83%
-4.8% YoY
|
9.75%
-1.9% YoY
|
Top 8% in tier |
| Non-Interest Income / Assets ? |
1.88%
-14.8% YoY
+16.0% QoQ
|
+1.14% |
0.74%
-1.3% YoY
|
0.50%
+8.5% YoY
|
0.65%
+0.6% YoY
|
Top 5% in tier |
Signature Analysis
Strengths (3)
Deposit Franchise
growth
#3 of 150 · Top 1% 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:
58.53%
(Tier: 21.05%, National: 21.79%)
Net Interest Margin:
5.33%
(Tier: 3.66%, National: 3.75%)
150 of 150 Community banks match
·
176 nationally
→ Stable
+2 banks QoQ
|
QoQ rank improving
Revenue Diversifier
growth
#39 of 371 · Top 10% in Community
Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Why this signature
Noninterest Income / Assets:
1.88%
(Tier: 0.74%, National: 0.65%)
Return on Assets:
1.65%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
441 nationally
→ Stable
+4 banks QoQ
|
QoQ rank declining
Tier 1 Capital Ratio
metric
Top 8%
in Community
Why this stands out
Current:
19.29%
(Tier avg: 10.24%, National avg: 9.75%)
Concerns (5)
Margin Compression
decline
#25 of 120 · Bottom 20% 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:
1.65%
(Tier: 1.16%, National: 1.12%)
120 of 120 Community banks match
·
147 nationally
→ Stable
-9 banks QoQ
|
QoQ rank improving
Liquidity Overhang
risk
#79 of 268 · Bottom 29% 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:
19.29%
(Tier: 10.24%, National: 9.75%)
Loan-to-Deposit Ratio:
87.43%
(Tier: 83.06%, National: 78.04%)
268 of 268 Community banks match
·
314 nationally
→ Stable
+6 banks QoQ
|
QoQ rank declining
Cost Spiral
risk
#23 of 40 · Bottom 56% 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:
58.13%
(Tier: 62.63%, National: 65.09%)
40 of 40 Community banks match
·
50 nationally
↓ Shrinking
-10 banks QoQ
|
QoQ rank declining
Delinquency Rate
metric
Bottom 7%
in Community
Why this stands out
Current:
2.37%
(Tier avg: 0.63%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 8%
in Community
Why this stands out
Current:
1.76%
(Tier avg: 0.50%, 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
99
99th pctile
Non-Interest-Bearing Deposit Share
Current: 58.53% · Tier avg: 21.05%
97
97th pctile
Net Interest Margin
Current: 5.33% · Tier avg: 3.66%
95
95th pctile
Non-Interest Income / Assets
Current: 1.88% · Tier avg: 0.74%
92
92th pctile
Tier 1 Capital Ratio
Current: 19.29% · Tier avg: 10.24%
81
81th pctile
Return on Assets
Current: 1.65% · Tier avg: 1.16%
74
74th pctile
Total Loans
Current: $1.2B · Tier avg: $975.5M
73
73th pctile
Total Deposits
Current: $1.3B · Tier avg: $1.2B
72
72th pctile
Total Assets
Current: $1.6B · Tier avg: $1.4B
64
64th pctile
Efficiency Ratio
Current: 58.13% · Tier avg: 62.63%
43
43th pctile
Loan-to-Deposit Ratio
Current: 87.43% · Tier avg: 83.06%
8
8th pctile
Nonperforming Asset Ratio
Current: 1.76% · Tier avg: 0.50%
7
7th pctile
Delinquency Rate
Current: 2.37% · Tier avg: 0.63%
Top Weaknesses
7
7th pctile
Delinquency Rate
Current: 2.37% · Tier avg: 0.63%
8
8th pctile
Nonperforming Asset Ratio
Current: 1.76% · Tier avg: 0.50%
43
43th pctile
Loan-to-Deposit Ratio
Current: 87.43% · Tier avg: 83.06%
64
64th pctile
Efficiency Ratio
Current: 58.13% · Tier avg: 62.63%
72
72th pctile
Total Assets
Current: $1.6B · Tier avg: $1.4B
73
73th pctile
Total Deposits
Current: $1.3B · Tier avg: $1.2B
74
74th pctile
Total Loans
Current: $1.2B · Tier avg: $975.5M
81
81th pctile
Return on Assets
Current: 1.65% · Tier avg: 1.16%
92
92th pctile
Tier 1 Capital Ratio
Current: 19.29% · Tier avg: 10.24%
95
95th pctile
Non-Interest Income / Assets
Current: 1.88% · Tier avg: 0.74%
97
97th pctile
Net Interest Margin
Current: 5.33% · Tier avg: 3.66%
99
99th pctile
Non-Interest-Bearing Deposit Share
Current: 58.53% · Tier avg: 21.05%