BlastPoint's Banking Scorecard
Bank Irvine
Micro
Specialty: Commercial
CA
FDIC cert 59296
Designations: ✓ Community bank
Irvine, CA
2498
banks in Micro tier nationally
36 in CA
View Micro leaderboard (CA) →
Bank Irvine has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Loan-to-Deposit Ratio 25.40% above tier
- + Nonperforming Asset Ratio 0.45% below tier
Key Concerns
Areas that may need attention
- - Non-Interest Income / Assets 0.51% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$286.0M
+34.2% YoY
+14.9% QoQ
|
+$68.5M |
$217.5M
+2.3% YoY
|
$4.7B
+7.1% YoY
|
$5.9B
+6.5% YoY
|
69% |
| Total Loans ? |
$216.4M
+25.5% YoY
+13.6% QoQ
|
+$77.3M |
$139.2M
+2.8% YoY
|
$3.2B
+8.7% YoY
|
$3.1B
+8.5% YoY
|
78% |
| Total Deposits ? |
$216.6M
+18.8% YoY
+21.1% QoQ
|
+$32.9M |
$183.7M
+1.8% YoY
|
$3.9B
+6.8% YoY
|
$4.7B
+6.3% YoY
|
64% |
| Return on Assets ? |
0.87%
+201.2% YoY
-8.0% QoQ
|
-0.22% |
1.08%
+14.7% YoY
|
0.96%
+10.8% YoY
|
1.12%
+15.6% YoY
|
37% |
| Net Interest Margin ? |
3.80%
+13.5% YoY
-2.8% QoQ
|
-0.06% |
3.85%
+6.6% YoY
|
3.80%
+7.5% YoY
|
3.75%
+7.1% YoY
|
49% |
| Efficiency Ratio ? |
57.76%
-22.7% YoY
-1.5% QoQ
|
-9.96% |
67.73%
-4.8% YoY
|
61.43%
-2.7% YoY
|
65.09%
-5.1% YoY
|
73% |
| Delinquency Rate ? | 0.00% | -0.64% |
0.64%
+24.4% YoY
|
0.69%
+31.8% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
99.93%
+5.6% YoY
-6.2% QoQ
|
+25.40% |
74.53%
+0.5% YoY
|
85.48%
+0.3% YoY
|
78.04%
+0.7% YoY
|
Top 9% in tier |
| Non-Interest-Bearing Deposit Share ? |
10.51%
+0.7% YoY
+5.1% QoQ
|
-11.88% |
22.39%
-1.3% YoY
|
25.54%
-3.2% YoY
|
21.79%
-1.3% YoY
|
Bottom 13% in tier |
| Nonperforming Asset Ratio ? | 0.00% | -0.45% |
0.45%
+25.1% YoY
|
0.51%
+32.9% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
11.83%
-4.8% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.06%
+452.2% YoY
-7.9% QoQ
|
-0.51% |
0.56%
+0.3% YoY
|
0.50%
+8.5% YoY
|
0.65%
+0.6% YoY
|
Bottom 4% in tier |
Signature Analysis
Strengths (3)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Loan-to-Deposit Ratio
metric
Top 9%
in Micro
Why this stands out
Current:
99.93%
(Tier avg: 74.53%, National avg: 78.04%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
Concerns (1)
Non-Interest Income / Assets
metric
Bottom 4%
in Micro
Why this stands out
Current:
0.06%
(Tier avg: 0.56%, 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: 0.64%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
91
91th pctile
Loan-to-Deposit Ratio
Current: 99.93% · Tier avg: 74.53%
78
78th pctile
Total Loans
Current: $216.4M · Tier avg: $139.2M
73
73th pctile
Efficiency Ratio
Current: 57.76% · Tier avg: 67.73%
69
69th pctile
Total Assets
Current: $286.0M · Tier avg: $217.5M
64
64th pctile
Total Deposits
Current: $216.6M · Tier avg: $183.7M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
49
49th pctile
Net Interest Margin
Current: 3.80% · Tier avg: 3.85%
37
37th pctile
Return on Assets
Current: 0.87% · Tier avg: 1.08%
13
13th pctile
Non-Interest-Bearing Deposit Share
Current: 10.51% · Tier avg: 22.39%
4
4th pctile
Non-Interest Income / Assets
Current: 0.06% · Tier avg: 0.56%
Top Weaknesses
4
4th pctile
Non-Interest Income / Assets
Current: 0.06% · Tier avg: 0.56%
13
13th pctile
Non-Interest-Bearing Deposit Share
Current: 10.51% · Tier avg: 22.39%
37
37th pctile
Return on Assets
Current: 0.87% · Tier avg: 1.08%
49
49th pctile
Net Interest Margin
Current: 3.80% · Tier avg: 3.85%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
64
64th pctile
Total Deposits
Current: $216.6M · Tier avg: $183.7M
69
69th pctile
Total Assets
Current: $286.0M · Tier avg: $217.5M
73
73th pctile
Efficiency Ratio
Current: 57.76% · Tier avg: 67.73%
78
78th pctile
Total Loans
Current: $216.4M · Tier avg: $139.2M
91
91th pctile
Loan-to-Deposit Ratio
Current: 99.93% · Tier avg: 74.53%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%