BlastPoint's Banking Scorecard
CalPrivate Bank
Community
Specialty: Commercial
CA
FDIC cert 58291
La Jolla, CA
1484
banks in Community tier nationally
59 in CA
View Community leaderboard (CA) →
CalPrivate Bank has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Deposit Franchise: Top 59% in Community
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 16% in Community
- - Delinquency Rate 1.38% above tier
- - Nonperforming Asset Ratio 1.51% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.5B
+4.6% YoY
-1.6% QoQ
|
+$1.1B |
$1.4B
+2.0% YoY
|
$4.7B
+7.1% YoY
|
$5.9B
+6.5% YoY
|
Top 14% in tier |
| Total Loans ? |
$2.1B
+1.9% YoY
+2.2% QoQ
|
+$1.1B |
$975.5M
+2.4% YoY
|
$3.2B
+8.7% YoY
|
$3.1B
+8.5% YoY
|
Top 10% in tier |
| Total Deposits ? |
$2.2B
+4.2% YoY
-2.1% QoQ
|
+$1.1B |
$1.2B
+1.7% YoY
|
$3.9B
+6.8% YoY
|
$4.7B
+6.3% YoY
|
Top 12% in tier |
| Return on Assets ? |
1.70%
+4.2% YoY
-0.8% QoQ
|
+0.54% |
1.16%
+17.2% YoY
|
0.96%
+10.8% YoY
|
1.12%
+15.6% YoY
|
83% |
| Net Interest Margin ? |
4.95%
+7.9% YoY
+1.2% QoQ
|
+1.29% |
3.66%
+9.1% YoY
|
3.80%
+7.5% YoY
|
3.75%
+7.1% YoY
|
Top 6% in tier |
| Efficiency Ratio ? |
47.59%
-2.1% YoY
-0.6% QoQ
|
-15.04% |
62.63%
-5.3% YoY
|
61.43%
-2.7% YoY
|
65.09%
-5.1% YoY
|
Top 12% in tier |
| Delinquency Rate ? |
2.01%
+261.3% YoY
+9.7% QoQ
|
+1.38% |
0.63%
+18.3% YoY
|
0.69%
+31.8% YoY
|
0.66%
+20.3% YoY
|
Bottom 10% in tier |
| Loan-to-Deposit Ratio ? |
94.22%
-2.3% YoY
+4.5% QoQ
|
+11.16% |
83.06%
+0.3% YoY
|
85.48%
+0.3% YoY
|
78.04%
+0.7% YoY
|
76% |
| Non-Interest-Bearing Deposit Share ? |
27.37%
+5.2% YoY
-5.3% QoQ
|
+6.32% |
21.05%
-0.9% YoY
|
25.54%
-3.2% YoY
|
21.79%
-1.3% YoY
|
77% |
| Nonperforming Asset Ratio ? |
2.00%
+323.4% YoY
+11.7% QoQ
|
+1.51% |
0.50%
+20.3% YoY
|
0.51%
+32.9% YoY
|
0.48%
+20.8% YoY
|
Bottom 6% in tier |
| Tier 1 Capital Ratio ? |
12.64%
+12.0% YoY
+0.7% QoQ
|
+2.40% |
10.24%
-0.6% YoY
|
11.83%
-4.8% YoY
|
9.75%
-1.9% YoY
|
54% |
| Non-Interest Income / Assets ? |
0.27%
+4.2% YoY
+27.7% QoQ
|
-0.47% |
0.74%
-1.3% YoY
|
0.50%
+8.5% YoY
|
0.65%
+0.6% YoY
|
19% |
Signature Analysis
Strengths (1)
Deposit Franchise
growth
#89 of 150 · Top 59% 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:
27.37%
(Tier: 21.05%, National: 21.79%)
Net Interest Margin:
4.95%
(Tier: 3.66%, National: 3.75%)
150 of 150 Community banks match
·
176 nationally
→ Stable
+2 banks QoQ
Concerns (3)
Liquidity Strain
risk
#81 of 513 · Bottom 16% in Community
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
94.22%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank declining
Delinquency Rate
metric
Bottom 10%
in Community
Why this stands out
Current:
2.01%
(Tier avg: 0.63%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 6%
in Community
Why this stands out
Current:
2.00%
(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
94
94th pctile
Net Interest Margin
Current: 4.95% · Tier avg: 3.66%
90
90th pctile
Total Loans
Current: $2.1B · Tier avg: $975.5M
88
88th pctile
Efficiency Ratio
Current: 47.59% · Tier avg: 62.63%
88
88th pctile
Total Deposits
Current: $2.2B · Tier avg: $1.2B
86
86th pctile
Total Assets
Current: $2.5B · Tier avg: $1.4B
83
83th pctile
Return on Assets
Current: 1.70% · Tier avg: 1.16%
77
77th pctile
Non-Interest-Bearing Deposit Share
Current: 27.37% · Tier avg: 21.05%
76
76th pctile
Loan-to-Deposit Ratio
Current: 94.22% · Tier avg: 83.06%
54
54th pctile
Tier 1 Capital Ratio
Current: 12.64% · Tier avg: 10.24%
19
19th pctile
Non-Interest Income / Assets
Current: 0.27% · Tier avg: 0.74%
10
10th pctile
Delinquency Rate
Current: 2.01% · Tier avg: 0.63%
6
6th pctile
Nonperforming Asset Ratio
Current: 2.00% · Tier avg: 0.50%
Top Weaknesses
6
6th pctile
Nonperforming Asset Ratio
Current: 2.00% · Tier avg: 0.50%
10
10th pctile
Delinquency Rate
Current: 2.01% · Tier avg: 0.63%
19
19th pctile
Non-Interest Income / Assets
Current: 0.27% · Tier avg: 0.74%
54
54th pctile
Tier 1 Capital Ratio
Current: 12.64% · Tier avg: 10.24%
76
76th pctile
Loan-to-Deposit Ratio
Current: 94.22% · Tier avg: 83.06%
77
77th pctile
Non-Interest-Bearing Deposit Share
Current: 27.37% · Tier avg: 21.05%
83
83th pctile
Return on Assets
Current: 1.70% · Tier avg: 1.16%
86
86th pctile
Total Assets
Current: $2.5B · Tier avg: $1.4B
88
88th pctile
Total Deposits
Current: $2.2B · Tier avg: $1.2B
88
88th pctile
Efficiency Ratio
Current: 47.59% · Tier avg: 62.63%
90
90th pctile
Total Loans
Current: $2.1B · Tier avg: $975.5M
94
94th pctile
Net Interest Margin
Current: 4.95% · Tier avg: 3.66%