BlastPoint's Banking Scorecard
US Metro Bank
Community
Specialty: Commercial
CA
FDIC cert 58310
Garden Grove, CA
1484
banks in Community tier nationally
59 in CA
View Community leaderboard (CA) →
US Metro Bank faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 42% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.6B
+11.1% YoY
-1.0% QoQ
|
+$159.4M |
$1.4B
+2.0% YoY
|
$4.7B
+7.1% YoY
|
$5.9B
+6.5% YoY
|
71% |
| Total Loans ? |
$1.3B
+8.6% YoY
+0.6% QoQ
|
+$286.5M |
$975.5M
+2.4% YoY
|
$3.2B
+8.7% YoY
|
$3.1B
+8.5% YoY
|
76% |
| Total Deposits ? |
$1.4B
+10.1% YoY
-2.3% QoQ
|
+$188.0M |
$1.2B
+1.7% YoY
|
$3.9B
+6.8% YoY
|
$4.7B
+6.3% YoY
|
73% |
| Return on Assets ? |
0.83%
+31.2% YoY
-1.0% QoQ
|
-0.33% |
1.16%
+17.2% YoY
|
0.96%
+10.8% YoY
|
1.12%
+15.6% YoY
|
27% |
| Net Interest Margin ? |
3.21%
+12.8% YoY
+0.8% QoQ
|
-0.45% |
3.66%
+9.1% YoY
|
3.80%
+7.5% YoY
|
3.75%
+7.1% YoY
|
26% |
| Efficiency Ratio ? |
65.59%
-8.8% YoY
+0.4% QoQ
|
+2.96% |
62.63%
-5.3% YoY
|
61.43%
-2.7% YoY
|
65.09%
-5.1% YoY
|
39% |
| Delinquency Rate ? |
1.59%
+108.7% YoY
+5.3% QoQ
|
+0.97% |
0.63%
+18.3% YoY
|
0.69%
+31.8% YoY
|
0.66%
+20.3% YoY
|
Bottom 14% in tier |
| Loan-to-Deposit Ratio ? |
93.30%
-1.4% YoY
+2.9% QoQ
|
+10.24% |
83.06%
+0.3% YoY
|
85.48%
+0.3% YoY
|
78.04%
+0.7% YoY
|
74% |
| Non-Interest-Bearing Deposit Share ? |
16.78%
-2.8% YoY
-4.1% QoQ
|
-4.26% |
21.05%
-0.9% YoY
|
25.54%
-3.2% YoY
|
21.79%
-1.3% YoY
|
33% |
| Nonperforming Asset Ratio ? |
1.52%
+138.1% YoY
+6.1% QoQ
|
+1.02% |
0.50%
+20.3% YoY
|
0.51%
+32.9% YoY
|
0.48%
+20.8% YoY
|
Bottom 10% in tier |
| Tier 1 Capital Ratio ? |
12.85%
+10.7% YoY
+7.9% QoQ
|
+2.61% |
10.24%
-0.6% YoY
|
11.83%
-4.8% YoY
|
9.75%
-1.9% YoY
|
57% |
| Non-Interest Income / Assets ? |
1.04%
+21.2% YoY
+58.0% QoQ
|
+0.30% |
0.74%
-1.3% YoY
|
0.50%
+8.5% YoY
|
0.65%
+0.6% YoY
|
Top 13% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Liquidity Strain
risk
#216 of 513 · Bottom 42% 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:
93.30%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank improving
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
87
87th pctile
Non-Interest Income / Assets
Current: 1.04% · Tier avg: 0.74%
76
76th pctile
Total Loans
Current: $1.3B · Tier avg: $975.5M
74
74th pctile
Loan-to-Deposit Ratio
Current: 93.30% · Tier avg: 83.06%
73
73th pctile
Total Deposits
Current: $1.4B · Tier avg: $1.2B
71
71th pctile
Total Assets
Current: $1.6B · Tier avg: $1.4B
57
57th pctile
Tier 1 Capital Ratio
Current: 12.85% · Tier avg: 10.24%
39
39th pctile
Efficiency Ratio
Current: 65.59% · Tier avg: 62.63%
33
33th pctile
Non-Interest-Bearing Deposit Share
Current: 16.78% · Tier avg: 21.05%
27
27th pctile
Return on Assets
Current: 0.83% · Tier avg: 1.16%
26
26th pctile
Net Interest Margin
Current: 3.21% · Tier avg: 3.66%
14
14th pctile
Delinquency Rate
Current: 1.59% · Tier avg: 0.63%
10
10th pctile
Nonperforming Asset Ratio
Current: 1.52% · Tier avg: 0.50%
Top Weaknesses
10
10th pctile
Nonperforming Asset Ratio
Current: 1.52% · Tier avg: 0.50%
14
14th pctile
Delinquency Rate
Current: 1.59% · Tier avg: 0.63%
26
26th pctile
Net Interest Margin
Current: 3.21% · Tier avg: 3.66%
27
27th pctile
Return on Assets
Current: 0.83% · Tier avg: 1.16%
33
33th pctile
Non-Interest-Bearing Deposit Share
Current: 16.78% · Tier avg: 21.05%
39
39th pctile
Efficiency Ratio
Current: 65.59% · Tier avg: 62.63%
57
57th pctile
Tier 1 Capital Ratio
Current: 12.85% · Tier avg: 10.24%
71
71th pctile
Total Assets
Current: $1.6B · Tier avg: $1.4B
73
73th pctile
Total Deposits
Current: $1.4B · Tier avg: $1.2B
74
74th pctile
Loan-to-Deposit Ratio
Current: 93.30% · Tier avg: 83.06%
76
76th pctile
Total Loans
Current: $1.3B · Tier avg: $975.5M
87
87th pctile
Non-Interest Income / Assets
Current: 1.04% · Tier avg: 0.74%