BlastPoint's Banking Scorecard
Pacific Alliance Bank
Micro
Specialty: Commercial
CA
FDIC cert 58234
Designations: ✓ Community bank
San Gabriel, CA
2498
banks in Micro tier nationally
36 in CA
View Micro leaderboard (CA) →
Pacific Alliance Bank faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Non-Interest-Bearing Deposit Share 18.74% below tier
- - Non-Interest Income / Assets 0.50% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$440.1M
+6.9% YoY
-0.5% QoQ
|
+$222.6M |
$217.5M
+2.3% YoY
|
$4.7B
+7.1% YoY
|
$5.9B
+6.5% YoY
|
Top 7% in tier |
| Total Loans ? |
$339.0M
+14.4% YoY
+5.5% QoQ
|
+$199.8M |
$139.2M
+2.8% YoY
|
$3.2B
+8.7% YoY
|
$3.1B
+8.5% YoY
|
Top 3% in tier |
| Total Deposits ? |
$358.9M
+9.5% YoY
+0.0% QoQ
|
+$175.2M |
$183.7M
+1.8% YoY
|
$3.9B
+6.8% YoY
|
$4.7B
+6.3% YoY
|
Top 9% in tier |
| Return on Assets ? |
0.53%
+46.2% YoY
-37.6% QoQ
|
-0.55% |
1.08%
+14.7% YoY
|
0.96%
+10.8% YoY
|
1.12%
+15.6% YoY
|
20% |
| Net Interest Margin ? |
2.96%
+12.6% YoY
+0.8% QoQ
|
-0.89% |
3.85%
+6.6% YoY
|
3.80%
+7.5% YoY
|
3.75%
+7.1% YoY
|
Bottom 15% in tier |
| Efficiency Ratio ? |
78.91%
+16.0% YoY
+32.9% QoQ
|
+11.18% |
67.73%
-4.8% YoY
|
61.43%
-2.7% YoY
|
65.09%
-5.1% YoY
|
22% |
| Delinquency Rate ? |
0.17%
+1.9% YoY
-81.9% QoQ
|
-0.47% |
0.64%
+24.4% YoY
|
0.69%
+31.8% YoY
|
0.66%
+20.3% YoY
|
65% |
| Loan-to-Deposit Ratio ? |
94.44%
+4.5% YoY
+5.5% QoQ
|
+19.92% |
74.53%
+0.5% YoY
|
85.48%
+0.3% YoY
|
78.04%
+0.7% YoY
|
85% |
| Non-Interest-Bearing Deposit Share ? |
3.66%
-24.3% YoY
-7.6% QoQ
|
-18.74% |
22.39%
-1.3% YoY
|
25.54%
-3.2% YoY
|
21.79%
-1.3% YoY
|
Bottom 4% in tier |
| Nonperforming Asset Ratio ? |
0.13%
+9.0% YoY
-80.8% QoQ
|
-0.32% |
0.45%
+25.1% YoY
|
0.51%
+32.9% YoY
|
0.48%
+20.8% YoY
|
63% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
11.83%
-4.8% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.06%
+267.4% YoY
+18.4% QoQ
|
-0.50% |
0.56%
+0.3% YoY
|
0.50%
+8.5% YoY
|
0.65%
+0.6% YoY
|
Bottom 4% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Non-Interest-Bearing Deposit Share
metric
Bottom 4%
in Micro
Why this stands out
Current:
3.66%
(Tier avg: 22.39%, National avg: 21.79%)
Non-Interest Income / Assets
metric
Bottom 4%
in Micro
Why this stands out
Current:
0.06%
(Tier avg: 0.56%, 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
Total Loans
Current: $339.0M · Tier avg: $139.2M
93
93th pctile
Total Assets
Current: $440.1M · Tier avg: $217.5M
91
91th pctile
Total Deposits
Current: $358.9M · Tier avg: $183.7M
85
85th pctile
Loan-to-Deposit Ratio
Current: 94.44% · Tier avg: 74.53%
65
65th pctile
Delinquency Rate
Current: 0.17% · Tier avg: 0.64%
63
63th pctile
Nonperforming Asset Ratio
Current: 0.13% · Tier avg: 0.45%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
22
22th pctile
Efficiency Ratio
Current: 78.91% · Tier avg: 67.73%
20
20th pctile
Return on Assets
Current: 0.53% · Tier avg: 1.08%
15
15th pctile
Net Interest Margin
Current: 2.96% · Tier avg: 3.85%
4
4th pctile
Non-Interest-Bearing Deposit Share
Current: 3.66% · Tier avg: 22.39%
4
4th pctile
Non-Interest Income / Assets
Current: 0.06% · Tier avg: 0.56%
Top Weaknesses
4
4th pctile
Non-Interest Income / Assets
Current: 0.06% · Tier avg: 0.56%
4
4th pctile
Non-Interest-Bearing Deposit Share
Current: 3.66% · Tier avg: 22.39%
15
15th pctile
Net Interest Margin
Current: 2.96% · Tier avg: 3.85%
20
20th pctile
Return on Assets
Current: 0.53% · Tier avg: 1.08%
22
22th pctile
Efficiency Ratio
Current: 78.91% · Tier avg: 67.73%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
63
63th pctile
Nonperforming Asset Ratio
Current: 0.13% · Tier avg: 0.45%
65
65th pctile
Delinquency Rate
Current: 0.17% · Tier avg: 0.64%
85
85th pctile
Loan-to-Deposit Ratio
Current: 94.44% · Tier avg: 74.53%
91
91th pctile
Total Deposits
Current: $358.9M · Tier avg: $183.7M
93
93th pctile
Total Assets
Current: $440.1M · Tier avg: $217.5M
97
97th pctile
Total Loans
Current: $339.0M · Tier avg: $139.2M