BlastPoint's Banking Scorecard
Column National Association
Community
Specialty: Other
CA
FDIC cert 58224
Chico, CA
1484
banks in Community tier nationally
59 in CA
View Community leaderboard (CA) →
Column National Association has 5 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 2% in Community
- + Deposit Franchise: Top 2% in Community
- + Revenue Diversifier: Top 6% in Community
- + Efficiency Ratio 26.27% below tier
- + Tier 1 Capital Ratio 20.22% above tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 23% in Community
- - Loan-to-Deposit Ratio 52.52% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$849.9M
+15.6% YoY
-27.3% QoQ
|
-$541.6M |
$1.4B
+2.0% YoY
|
$4.7B
+7.1% YoY
|
$5.9B
+6.5% YoY
|
39% |
| Total Loans ? |
$210.2M
-1.3% YoY
-6.0% QoQ
|
-$765.3M |
$975.5M
+2.4% YoY
|
$3.2B
+8.7% YoY
|
$3.1B
+8.5% YoY
|
Bottom 1% in tier |
| Total Deposits ? |
$688.1M
+5.3% YoY
-33.1% QoQ
|
-$476.5M |
$1.2B
+1.7% YoY
|
$3.9B
+6.8% YoY
|
$4.7B
+6.3% YoY
|
37% |
| Return on Assets ? |
7.76%
+239.1% YoY
-0.4% QoQ
|
+6.60% |
1.16%
+17.2% YoY
|
0.96%
+10.8% YoY
|
1.12%
+15.6% YoY
|
Top 1% in tier |
| Net Interest Margin ? |
10.59%
+168.4% YoY
-2.5% QoQ
|
+6.92% |
3.66%
+9.1% YoY
|
3.80%
+7.5% YoY
|
3.75%
+7.1% YoY
|
Top 1% in tier |
| Efficiency Ratio ? |
36.36%
-41.9% YoY
+12.8% QoQ
|
-26.27% |
62.63%
-5.3% YoY
|
61.43%
-2.7% YoY
|
65.09%
-5.1% YoY
|
Top 3% in tier |
| Delinquency Rate ? |
0.46%
+5.4% YoY
-8.9% QoQ
|
-0.17% |
0.63%
+18.3% YoY
|
0.69%
+31.8% YoY
|
0.66%
+20.3% YoY
|
49% |
| Loan-to-Deposit Ratio ? |
30.54%
-6.2% YoY
+40.5% QoQ
|
-52.52% |
83.06%
+0.3% YoY
|
85.48%
+0.3% YoY
|
78.04%
+0.7% YoY
|
Bottom 1% in tier |
| Non-Interest-Bearing Deposit Share ? |
43.46%
+116.5% YoY
+59.7% QoQ
|
+22.41% |
21.05%
-0.9% YoY
|
25.54%
-3.2% YoY
|
21.79%
-1.3% YoY
|
Top 3% in tier |
| Nonperforming Asset Ratio ? |
0.11%
-10.0% YoY
+17.8% QoQ
|
-0.38% |
0.50%
+20.3% YoY
|
0.51%
+32.9% YoY
|
0.48%
+20.8% YoY
|
75% |
| Tier 1 Capital Ratio ? |
30.46%
+56.5% YoY
+5.0% QoQ
|
+20.22% |
10.24%
-0.6% YoY
|
11.83%
-4.8% YoY
|
9.75%
-1.9% YoY
|
Top 1% in tier |
| Non-Interest Income / Assets ? |
8.25%
+123.5% YoY
+107.6% QoQ
|
+7.51% |
0.74%
-1.3% YoY
|
0.50%
+8.5% YoY
|
0.65%
+0.6% YoY
|
Top 1% in tier |
Signature Analysis
Strengths (5)
Profitability Leader
growth
#7 of 371 · Top 2% in Community
Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Why this signature
Return on Assets:
7.76%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
444 nationally
→ Stable
+5 banks QoQ
|
QoQ rank improving
Deposit Franchise
growth
#4 of 150 · Top 2% 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:
43.46%
(Tier: 21.05%, National: 21.79%)
Net Interest Margin:
10.59%
(Tier: 3.66%, National: 3.75%)
150 of 150 Community banks match
·
176 nationally
→ Stable
+2 banks QoQ
|
QoQ rank improving
Revenue Diversifier
growth
#23 of 371 · Top 6% 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:
8.25%
(Tier: 0.74%, National: 0.65%)
Return on Assets:
7.76%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
441 nationally
→ Stable
+4 banks QoQ
Efficiency Ratio
metric
Top 3%
in Community
Why this stands out
Current:
36.36%
(Tier avg: 62.63%, National avg: 65.09%)
Tier 1 Capital Ratio
metric
Top 1%
in Community
Why this stands out
Current:
30.46%
(Tier avg: 10.24%, National avg: 9.75%)
Concerns (2)
Credit Quality Pressure
risk
#190 of 808 · Bottom 23% in Community
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.46%
(Tier: 0.63%, National: 0.66%)
808 of 808 Community banks match
·
961 nationally
→ Stable
+22 banks QoQ
|
QoQ rank improving
Loan-to-Deposit Ratio
metric
Bottom 1%
in Community
Why this stands out
Current:
30.54%
(Tier avg: 83.06%, National avg: 78.04%)
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
Return on Assets
Current: 7.76% · Tier avg: 1.16%
100
100th pctile
Net Interest Margin
Current: 10.59% · Tier avg: 3.66%
99
99th pctile
Non-Interest Income / Assets
Current: 8.25% · Tier avg: 0.74%
99
99th pctile
Tier 1 Capital Ratio
Current: 30.46% · Tier avg: 10.24%
97
97th pctile
Efficiency Ratio
Current: 36.36% · Tier avg: 62.63%
97
97th pctile
Non-Interest-Bearing Deposit Share
Current: 43.46% · Tier avg: 21.05%
75
75th pctile
Nonperforming Asset Ratio
Current: 0.11% · Tier avg: 0.50%
49
49th pctile
Delinquency Rate
Current: 0.46% · Tier avg: 0.63%
39
39th pctile
Total Assets
Current: $849.9M · Tier avg: $1.4B
37
37th pctile
Total Deposits
Current: $688.1M · Tier avg: $1.2B
1
1th pctile
Total Loans
Current: $210.2M · Tier avg: $975.5M
1
1th pctile
Loan-to-Deposit Ratio
Current: 30.54% · Tier avg: 83.06%
Top Weaknesses
1
1th pctile
Loan-to-Deposit Ratio
Current: 30.54% · Tier avg: 83.06%
1
1th pctile
Total Loans
Current: $210.2M · Tier avg: $975.5M
37
37th pctile
Total Deposits
Current: $688.1M · Tier avg: $1.2B
39
39th pctile
Total Assets
Current: $849.9M · Tier avg: $1.4B
49
49th pctile
Delinquency Rate
Current: 0.46% · Tier avg: 0.63%
75
75th pctile
Nonperforming Asset Ratio
Current: 0.11% · Tier avg: 0.50%
97
97th pctile
Non-Interest-Bearing Deposit Share
Current: 43.46% · Tier avg: 21.05%
97
97th pctile
Efficiency Ratio
Current: 36.36% · Tier avg: 62.63%
99
99th pctile
Tier 1 Capital Ratio
Current: 30.46% · Tier avg: 10.24%
99
99th pctile
Non-Interest Income / Assets
Current: 8.25% · Tier avg: 0.74%
100
100th pctile
Net Interest Margin
Current: 10.59% · Tier avg: 3.66%
100
100th pctile
Return on Assets
Current: 7.76% · Tier avg: 1.16%