BlastPoint's Banking Scorecard
Infinity Bank
Micro
Specialty: Commercial
CA
FDIC cert 59098
Designations: ✓ Community bank
Santa Ana, CA
2498
banks in Micro tier nationally
36 in CA
View Micro leaderboard (CA) →
Infinity Bank shows strong momentum with 2 strengths and 7.0% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.75% above tier
- + Non-Interest-Bearing Deposit Share 35.25% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$356.0M
+7.0% YoY
-4.5% QoQ
|
+$138.5M |
$217.5M
+2.3% YoY
|
$4.7B
+7.1% YoY
|
$5.9B
+6.5% YoY
|
81% |
| Total Loans ? |
$226.2M
+1.6% YoY
+7.3% QoQ
|
+$87.0M |
$139.2M
+2.8% YoY
|
$3.2B
+8.7% YoY
|
$3.1B
+8.5% YoY
|
80% |
| Total Deposits ? |
$302.6M
+6.1% YoY
-7.2% QoQ
|
+$118.9M |
$183.7M
+1.8% YoY
|
$3.9B
+6.8% YoY
|
$4.7B
+6.3% YoY
|
82% |
| Return on Assets ? |
1.60%
+21.6% YoY
-1.6% QoQ
|
+0.52% |
1.08%
+14.7% YoY
|
0.96%
+10.8% YoY
|
1.12%
+15.6% YoY
|
78% |
| Net Interest Margin ? |
5.60%
+1.6% YoY
-0.6% QoQ
|
+1.75% |
3.85%
+6.6% YoY
|
3.80%
+7.5% YoY
|
3.75%
+7.1% YoY
|
Top 4% in tier |
| Efficiency Ratio ? |
57.45%
+1.6% YoY
+0.3% QoQ
|
-10.27% |
67.73%
-4.8% YoY
|
61.43%
-2.7% YoY
|
65.09%
-5.1% YoY
|
74% |
| Delinquency Rate ? |
1.67%
+81.8% YoY
+12.7% QoQ
|
+1.03% |
0.64%
+24.4% YoY
|
0.69%
+31.8% YoY
|
0.66%
+20.3% YoY
|
16% |
| Loan-to-Deposit Ratio ? |
74.74%
-4.3% YoY
+15.6% QoQ
|
+0.21% |
74.53%
+0.5% YoY
|
85.48%
+0.3% YoY
|
78.04%
+0.7% YoY
|
47% |
| Non-Interest-Bearing Deposit Share ? |
57.64%
+8.7% YoY
-6.1% QoQ
|
+35.25% |
22.39%
-1.3% YoY
|
25.54%
-3.2% YoY
|
21.79%
-1.3% YoY
|
Top 1% in tier |
| Nonperforming Asset Ratio ? |
1.06%
+72.6% YoY
+26.6% QoQ
|
+0.61% |
0.45%
+25.1% YoY
|
0.51%
+32.9% YoY
|
0.48%
+20.8% YoY
|
18% |
| Tier 1 Capital Ratio ? |
16.19%
+6.0% YoY
-1.8% QoQ
|
+7.34% |
8.85%
-3.4% YoY
|
11.83%
-4.8% YoY
|
9.75%
-1.9% YoY
|
77% |
| Non-Interest Income / Assets ? |
0.15%
+28.6% YoY
+42.6% QoQ
|
-0.41% |
0.56%
+0.3% YoY
|
0.50%
+8.5% YoY
|
0.65%
+0.6% YoY
|
15% |
Signature Analysis
Strengths (2)
Net Interest Margin
metric
Top 4%
in Micro
Why this stands out
Current:
5.60%
(Tier avg: 3.85%, National avg: 3.75%)
Non-Interest-Bearing Deposit Share
metric
Top 1%
in Micro
Why this stands out
Current:
57.64%
(Tier avg: 22.39%, National avg: 21.79%)
Concerns (0)
No concerns identified
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
99
99th pctile
Non-Interest-Bearing Deposit Share
Current: 57.64% · Tier avg: 22.39%
96
96th pctile
Net Interest Margin
Current: 5.60% · Tier avg: 3.85%
82
82th pctile
Total Deposits
Current: $302.6M · Tier avg: $183.7M
81
81th pctile
Total Assets
Current: $356.0M · Tier avg: $217.5M
80
80th pctile
Total Loans
Current: $226.2M · Tier avg: $139.2M
78
78th pctile
Return on Assets
Current: 1.60% · Tier avg: 1.08%
77
77th pctile
Tier 1 Capital Ratio
Current: 16.19% · Tier avg: 8.85%
74
74th pctile
Efficiency Ratio
Current: 57.45% · Tier avg: 67.73%
47
47th pctile
Loan-to-Deposit Ratio
Current: 74.74% · Tier avg: 74.53%
18
18th pctile
Nonperforming Asset Ratio
Current: 1.06% · Tier avg: 0.45%
16
16th pctile
Delinquency Rate
Current: 1.67% · Tier avg: 0.64%
15
15th pctile
Non-Interest Income / Assets
Current: 0.15% · Tier avg: 0.56%
Top Weaknesses
15
15th pctile
Non-Interest Income / Assets
Current: 0.15% · Tier avg: 0.56%
16
16th pctile
Delinquency Rate
Current: 1.67% · Tier avg: 0.64%
18
18th pctile
Nonperforming Asset Ratio
Current: 1.06% · Tier avg: 0.45%
47
47th pctile
Loan-to-Deposit Ratio
Current: 74.74% · Tier avg: 74.53%
74
74th pctile
Efficiency Ratio
Current: 57.45% · Tier avg: 67.73%
77
77th pctile
Tier 1 Capital Ratio
Current: 16.19% · Tier avg: 8.85%
78
78th pctile
Return on Assets
Current: 1.60% · Tier avg: 1.08%
80
80th pctile
Total Loans
Current: $226.2M · Tier avg: $139.2M
81
81th pctile
Total Assets
Current: $356.0M · Tier avg: $217.5M
82
82th pctile
Total Deposits
Current: $302.6M · Tier avg: $183.7M
96
96th pctile
Net Interest Margin
Current: 5.60% · Tier avg: 3.85%
99
99th pctile
Non-Interest-Bearing Deposit Share
Current: 57.64% · Tier avg: 22.39%