BlastPoint's Banking Scorecard
Nano Banc
Community
Specialty: Commercial
CA
FDIC cert 58590
Irvine, CA
1484
banks in Community tier nationally
59 in CA
View Community leaderboard (CA) →
Nano Banc has 1 strength but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 24.20% above tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 16% in Community
- - Deposit Outflow: Bottom 41% in Community
- - Return on Assets 8.20% below tier
- - Delinquency Rate 24.28% above tier
- - Nonperforming Asset Ratio 14.54% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$874.7M
-8.4% YoY
-3.7% QoQ
|
-$516.7M |
$1.4B
+2.0% YoY
|
$4.7B
+7.1% YoY
|
$5.9B
+6.5% YoY
|
41% |
| Total Loans ? |
$527.9M
-12.4% YoY
-6.0% QoQ
|
-$447.5M |
$975.5M
+2.4% YoY
|
$3.2B
+8.7% YoY
|
$3.1B
+8.5% YoY
|
34% |
| Total Deposits ? |
$732.7M
-11.5% YoY
-3.0% QoQ
|
-$431.9M |
$1.2B
+1.7% YoY
|
$3.9B
+6.8% YoY
|
$4.7B
+6.3% YoY
|
41% |
| Return on Assets ? |
-7.04%
-613.9% YoY
-1.0% QoQ
|
-8.20% |
1.16%
+17.2% YoY
|
0.96%
+10.8% YoY
|
1.12%
+15.6% YoY
|
Bottom 1% in tier |
| Net Interest Margin ? |
3.24%
-19.5% YoY
-8.7% QoQ
|
-0.42% |
3.66%
+9.1% YoY
|
3.80%
+7.5% YoY
|
3.75%
+7.1% YoY
|
27% |
| Efficiency Ratio ? |
197.87%
+104.3% YoY
+8.9% QoQ
|
+135.23% |
62.63%
-5.3% YoY
|
61.43%
-2.7% YoY
|
65.09%
-5.1% YoY
|
Bottom 1% in tier |
| Delinquency Rate ? |
24.91%
+56.5% QoQ
|
+24.28% |
0.63%
+18.3% YoY
|
0.69%
+31.8% YoY
|
0.66%
+20.3% YoY
|
Bottom 1% in tier |
| Loan-to-Deposit Ratio ? |
72.06%
-1.0% YoY
-3.2% QoQ
|
-11.01% |
83.06%
+0.3% YoY
|
85.48%
+0.3% YoY
|
78.04%
+0.7% YoY
|
77% |
| Non-Interest-Bearing Deposit Share ? |
45.24%
+3.7% YoY
+3.3% QoQ
|
+24.20% |
21.05%
-0.9% YoY
|
25.54%
-3.2% YoY
|
21.79%
-1.3% YoY
|
Top 2% in tier |
| Nonperforming Asset Ratio ? |
15.04%
+52.7% QoQ
|
+14.54% |
0.50%
+20.3% YoY
|
0.51%
+32.9% YoY
|
0.48%
+20.8% YoY
|
Bottom 1% in tier |
| Tier 1 Capital Ratio ? |
8.81%
-52.5% YoY
-21.2% QoQ
|
-1.43% |
10.24%
-0.6% YoY
|
11.83%
-4.8% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.63%
+16.6% YoY
+41.3% QoQ
|
-0.11% |
0.74%
-1.3% YoY
|
0.50%
+8.5% YoY
|
0.65%
+0.6% YoY
|
64% |
Signature Analysis
Strengths (1)
Non-Interest-Bearing Deposit Share
metric
Top 2%
in Community
Why this stands out
Current:
45.24%
(Tier avg: 21.05%, National avg: 21.79%)
Concerns (5)
Efficiency Drag
risk
#25 of 152 · Bottom 16% in Community
Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Why this signature
Efficiency Ratio:
197.87%
(Tier: 62.63%, National: 65.09%)
152 of 152 Community banks match
·
163 nationally
→ Stable
-9 banks QoQ
|
QoQ rank improving
Deposit Outflow
decline
#103 of 248 · Bottom 41% 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
Return on Assets
metric
Bottom 1%
in Community
Why this stands out
Current:
-7.04%
(Tier avg: 1.16%, National avg: 1.12%)
Delinquency Rate
metric
Bottom 1%
in Community
Why this stands out
Current:
24.91%
(Tier avg: 0.63%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 1%
in Community
Why this stands out
Current:
15.04%
(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
98
98th pctile
Non-Interest-Bearing Deposit Share
Current: 45.24% · Tier avg: 21.05%
77
77th pctile
Loan-to-Deposit Ratio
Current: 72.06% · Tier avg: 83.06%
64
64th pctile
Non-Interest Income / Assets
Current: 0.63% · Tier avg: 0.74%
41
41th pctile
Total Deposits
Current: $732.7M · Tier avg: $1.2B
41
41th pctile
Total Assets
Current: $874.7M · Tier avg: $1.4B
34
34th pctile
Total Loans
Current: $527.9M · Tier avg: $975.5M
29
29th pctile
Tier 1 Capital Ratio
Current: 8.81% · Tier avg: 10.24%
27
27th pctile
Net Interest Margin
Current: 3.24% · Tier avg: 3.66%
0
0th pctile
Return on Assets
Current: -7.04% · Tier avg: 1.16%
0
0th pctile
Efficiency Ratio
Current: 197.87% · Tier avg: 62.63%
0
0th pctile
Delinquency Rate
Current: 24.91% · Tier avg: 0.63%
0
0th pctile
Nonperforming Asset Ratio
Current: 15.04% · Tier avg: 0.50%
Top Weaknesses
0
0th pctile
Nonperforming Asset Ratio
Current: 15.04% · Tier avg: 0.50%
0
0th pctile
Delinquency Rate
Current: 24.91% · Tier avg: 0.63%
0
0th pctile
Efficiency Ratio
Current: 197.87% · Tier avg: 62.63%
0
0th pctile
Return on Assets
Current: -7.04% · Tier avg: 1.16%
27
27th pctile
Net Interest Margin
Current: 3.24% · Tier avg: 3.66%
29
29th pctile
Tier 1 Capital Ratio
Current: 8.81% · Tier avg: 10.24%
34
34th pctile
Total Loans
Current: $527.9M · Tier avg: $975.5M
41
41th pctile
Total Assets
Current: $874.7M · Tier avg: $1.4B
41
41th pctile
Total Deposits
Current: $732.7M · Tier avg: $1.2B
64
64th pctile
Non-Interest Income / Assets
Current: 0.63% · Tier avg: 0.74%
77
77th pctile
Loan-to-Deposit Ratio
Current: 72.06% · Tier avg: 83.06%
98
98th pctile
Non-Interest-Bearing Deposit Share
Current: 45.24% · Tier avg: 21.05%