BlastPoint's Banking Scorecard
Mega Bank
Community
Specialty: Commercial
CA
FDIC cert 58401
San Gabriel, CA
1484
banks in Community tier nationally
59 in CA
View Community leaderboard (CA) →
Mega Bank faces 5 concerns 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 15% in Community
- - Deposit Outflow: Bottom 19% in Community
- - Credit Risk Growth: Bottom 50% in Community
- - Non-Interest-Bearing Deposit Share 15.21% below tier
- - Nonperforming Asset Ratio 1.84% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$510.0M
-2.7% YoY
+0.1% QoQ
|
-$881.5M |
$1.4B
+2.0% YoY
|
$4.7B
+7.1% YoY
|
$5.9B
+6.5% YoY
|
Bottom 1% in tier |
| Total Loans ? |
$414.4M
+0.7% YoY
-1.4% QoQ
|
-$561.1M |
$975.5M
+2.4% YoY
|
$3.2B
+8.7% YoY
|
$3.1B
+8.5% YoY
|
17% |
| Total Deposits ? |
$432.9M
-2.7% YoY
+3.2% QoQ
|
-$731.7M |
$1.2B
+1.7% YoY
|
$3.9B
+6.8% YoY
|
$4.7B
+6.3% YoY
|
Bottom 3% in tier |
| Return on Assets ? |
0.97%
-5.2% YoY
+14.8% QoQ
|
-0.20% |
1.16%
+17.2% YoY
|
0.96%
+10.8% YoY
|
1.12%
+15.6% YoY
|
36% |
| Net Interest Margin ? |
3.91%
+6.6% YoY
-1.5% QoQ
|
+0.24% |
3.66%
+9.1% YoY
|
3.80%
+7.5% YoY
|
3.75%
+7.1% YoY
|
66% |
| Efficiency Ratio ? |
60.87%
+1.5% YoY
+0.0% QoQ
|
-1.77% |
62.63%
-5.3% YoY
|
61.43%
-2.7% YoY
|
65.09%
-5.1% YoY
|
54% |
| Delinquency Rate ? |
2.67%
+45.0% YoY
+82.9% QoQ
|
+2.04% |
0.63%
+18.3% YoY
|
0.69%
+31.8% YoY
|
0.66%
+20.3% YoY
|
Bottom 6% in tier |
| Loan-to-Deposit Ratio ? |
95.72%
+3.4% YoY
-4.5% QoQ
|
+12.65% |
83.06%
+0.3% YoY
|
85.48%
+0.3% YoY
|
78.04%
+0.7% YoY
|
79% |
| Non-Interest-Bearing Deposit Share ? |
5.84%
-20.9% YoY
-20.5% QoQ
|
-15.21% |
21.05%
-0.9% YoY
|
25.54%
-3.2% YoY
|
21.79%
-1.3% YoY
|
Bottom 4% in tier |
| Nonperforming Asset Ratio ? |
2.34%
+61.8% YoY
+62.6% QoQ
|
+1.84% |
0.50%
+20.3% YoY
|
0.51%
+32.9% YoY
|
0.48%
+20.8% YoY
|
Bottom 5% in tier |
| Tier 1 Capital Ratio ? |
15.92%
+4.0% YoY
+3.1% QoQ
|
+5.67% |
10.24%
-0.6% YoY
|
11.83%
-4.8% YoY
|
9.75%
-1.9% YoY
|
82% |
| Non-Interest Income / Assets ? |
0.20%
-12.8% YoY
+71.9% QoQ
|
-0.54% |
0.74%
-1.3% YoY
|
0.50%
+8.5% YoY
|
0.65%
+0.6% YoY
|
Bottom 11% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (5)
Liquidity Strain
risk
#79 of 513 · Bottom 15% 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:
95.72%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank improving
Deposit Outflow
decline
#48 of 248 · Bottom 19% in Community
Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
248 of 248 Community banks match
·
294 nationally
↑ Growing
+37 banks QoQ
|
QoQ rank improving
Credit Risk Growth
risk
#320 of 642 · Bottom 50% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
|
QoQ rank improving
Non-Interest-Bearing Deposit Share
metric
Bottom 4%
in Community
Why this stands out
Current:
5.84%
(Tier avg: 21.05%, National avg: 21.79%)
Nonperforming Asset Ratio
metric
Bottom 5%
in Community
Why this stands out
Current:
2.34%
(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
82
82th pctile
Tier 1 Capital Ratio
Current: 15.92% · Tier avg: 10.24%
79
79th pctile
Loan-to-Deposit Ratio
Current: 95.72% · Tier avg: 83.06%
66
66th pctile
Net Interest Margin
Current: 3.91% · Tier avg: 3.66%
54
54th pctile
Efficiency Ratio
Current: 60.87% · Tier avg: 62.63%
36
36th pctile
Return on Assets
Current: 0.97% · Tier avg: 1.16%
17
17th pctile
Total Loans
Current: $414.4M · Tier avg: $975.5M
11
11th pctile
Non-Interest Income / Assets
Current: 0.20% · Tier avg: 0.74%
6
6th pctile
Delinquency Rate
Current: 2.67% · Tier avg: 0.63%
5
5th pctile
Nonperforming Asset Ratio
Current: 2.34% · Tier avg: 0.50%
4
4th pctile
Non-Interest-Bearing Deposit Share
Current: 5.84% · Tier avg: 21.05%
3
3th pctile
Total Deposits
Current: $432.9M · Tier avg: $1.2B
1
1th pctile
Total Assets
Current: $510.0M · Tier avg: $1.4B
Top Weaknesses
1
1th pctile
Total Assets
Current: $510.0M · Tier avg: $1.4B
3
3th pctile
Total Deposits
Current: $432.9M · Tier avg: $1.2B
4
4th pctile
Non-Interest-Bearing Deposit Share
Current: 5.84% · Tier avg: 21.05%
5
5th pctile
Nonperforming Asset Ratio
Current: 2.34% · Tier avg: 0.50%
6
6th pctile
Delinquency Rate
Current: 2.67% · Tier avg: 0.63%
11
11th pctile
Non-Interest Income / Assets
Current: 0.20% · Tier avg: 0.74%
17
17th pctile
Total Loans
Current: $414.4M · Tier avg: $975.5M
36
36th pctile
Return on Assets
Current: 0.97% · Tier avg: 1.16%
54
54th pctile
Efficiency Ratio
Current: 60.87% · Tier avg: 62.63%
66
66th pctile
Net Interest Margin
Current: 3.91% · Tier avg: 3.66%
79
79th pctile
Loan-to-Deposit Ratio
Current: 95.72% · Tier avg: 83.06%
82
82th pctile
Tier 1 Capital Ratio
Current: 15.92% · Tier avg: 10.24%