BlastPoint's Banking Scorecard
Partners Bank of California
Community
Specialty: Commercial
CA
FDIC cert 58588
Mission Viejo, CA
1484
banks in Community tier nationally
59 in CA
View Community leaderboard (CA) →
Partners Bank of California has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.63% below tier
- + Nonperforming Asset Ratio 0.50% below tier
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 13% in Community
- - Non-Interest Income / Assets 0.67% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$712.6M
+7.4% YoY
-8.3% QoQ
|
-$678.9M |
$1.4B
+2.0% YoY
|
$4.7B
+7.1% YoY
|
$5.9B
+6.5% YoY
|
28% |
| Total Loans ? |
$464.0M
+19.3% YoY
+12.2% QoQ
|
-$511.5M |
$975.5M
+2.4% YoY
|
$3.2B
+8.7% YoY
|
$3.1B
+8.5% YoY
|
25% |
| Total Deposits ? |
$616.7M
+10.4% YoY
-12.7% QoQ
|
-$547.9M |
$1.2B
+1.7% YoY
|
$3.9B
+6.8% YoY
|
$4.7B
+6.3% YoY
|
30% |
| Return on Assets ? |
0.87%
-25.0% YoY
-0.8% QoQ
|
-0.30% |
1.16%
+17.2% YoY
|
0.96%
+10.8% YoY
|
1.12%
+15.6% YoY
|
29% |
| Net Interest Margin ? |
3.22%
-3.1% YoY
+2.7% QoQ
|
-0.45% |
3.66%
+9.1% YoY
|
3.80%
+7.5% YoY
|
3.75%
+7.1% YoY
|
26% |
| Efficiency Ratio ? |
52.69%
-4.8% YoY
-0.4% QoQ
|
-9.94% |
62.63%
-5.3% YoY
|
61.43%
-2.7% YoY
|
65.09%
-5.1% YoY
|
78% |
| Delinquency Rate ? | 0.00% | -0.63% |
0.63%
+18.3% YoY
|
0.69%
+31.8% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
75.23%
+8.0% YoY
+28.6% QoQ
|
-7.83% |
83.06%
+0.3% YoY
|
85.48%
+0.3% YoY
|
78.04%
+0.7% YoY
|
71% |
| Non-Interest-Bearing Deposit Share ? |
26.28%
-0.6% YoY
+3.7% QoQ
|
+5.23% |
21.05%
-0.9% YoY
|
25.54%
-3.2% YoY
|
21.79%
-1.3% YoY
|
74% |
| Nonperforming Asset Ratio ? | 0.00% | -0.50% |
0.50%
+20.3% YoY
|
0.51%
+32.9% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? |
13.75%
-4.3% YoY
-6.8% QoQ
|
+3.51% |
10.24%
-0.6% YoY
|
11.83%
-4.8% YoY
|
9.75%
-1.9% YoY
|
65% |
| Non-Interest Income / Assets ? |
0.07%
-85.3% YoY
+45.3% QoQ
|
-0.67% |
0.74%
-1.3% YoY
|
0.50%
+8.5% YoY
|
0.65%
+0.6% YoY
|
Bottom 2% in tier |
Signature Analysis
Strengths (2)
Delinquency Rate
metric
Top 1%
in Community
Why this stands out
Current:
0.00%
(Tier avg: 0.63%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 1%
in Community
Why this stands out
Current:
0.00%
(Tier avg: 0.50%, National avg: 0.48%)
Concerns (2)
Margin Compression
decline
#17 of 120 · Bottom 13% in Community
Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Why this signature
Return on Assets:
0.87%
(Tier: 1.16%, National: 1.12%)
120 of 120 Community banks match
·
147 nationally
→ Stable
-9 banks QoQ
|
QoQ rank improving
Non-Interest Income / Assets
metric
Bottom 2%
in Community
Why this stands out
Current:
0.07%
(Tier avg: 0.74%, 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
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.63%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.50%
78
78th pctile
Efficiency Ratio
Current: 52.69% · Tier avg: 62.63%
74
74th pctile
Non-Interest-Bearing Deposit Share
Current: 26.28% · Tier avg: 21.05%
71
71th pctile
Loan-to-Deposit Ratio
Current: 75.23% · Tier avg: 83.06%
65
65th pctile
Tier 1 Capital Ratio
Current: 13.75% · Tier avg: 10.24%
30
30th pctile
Total Deposits
Current: $616.7M · Tier avg: $1.2B
29
29th pctile
Return on Assets
Current: 0.87% · Tier avg: 1.16%
28
28th pctile
Total Assets
Current: $712.6M · Tier avg: $1.4B
26
26th pctile
Net Interest Margin
Current: 3.22% · Tier avg: 3.66%
25
25th pctile
Total Loans
Current: $464.0M · Tier avg: $975.5M
2
2th pctile
Non-Interest Income / Assets
Current: 0.07% · Tier avg: 0.74%
Top Weaknesses
2
2th pctile
Non-Interest Income / Assets
Current: 0.07% · Tier avg: 0.74%
25
25th pctile
Total Loans
Current: $464.0M · Tier avg: $975.5M
26
26th pctile
Net Interest Margin
Current: 3.22% · Tier avg: 3.66%
28
28th pctile
Total Assets
Current: $712.6M · Tier avg: $1.4B
29
29th pctile
Return on Assets
Current: 0.87% · Tier avg: 1.16%
30
30th pctile
Total Deposits
Current: $616.7M · Tier avg: $1.2B
65
65th pctile
Tier 1 Capital Ratio
Current: 13.75% · Tier avg: 10.24%
71
71th pctile
Loan-to-Deposit Ratio
Current: 75.23% · Tier avg: 83.06%
74
74th pctile
Non-Interest-Bearing Deposit Share
Current: 26.28% · Tier avg: 21.05%
78
78th pctile
Efficiency Ratio
Current: 52.69% · Tier avg: 62.63%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.50%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.63%