BlastPoint's Banking Scorecard
Icon Business Bank
Micro
Specialty: Commercial
CA
FDIC cert 59314
Designations: ✓ Community bank
Riverside, CA
2498
banks in Micro tier nationally
36 in CA
View Micro leaderboard (CA) →
Icon Business Bank faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Return on Assets 4.20% below tier
- - Efficiency Ratio 86.66% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$147.0M
+51.8% YoY
-9.8% QoQ
|
-$70.5M |
$217.5M
+2.3% YoY
|
$4.7B
+7.1% YoY
|
$5.9B
+6.5% YoY
|
37% |
| Total Loans ? |
$117.0M
+76.3% YoY
+5.8% QoQ
|
-$22.2M |
$139.2M
+2.8% YoY
|
$3.2B
+8.7% YoY
|
$3.1B
+8.5% YoY
|
49% |
| Total Deposits ? |
$125.6M
+62.4% YoY
-13.9% QoQ
|
-$58.0M |
$183.7M
+1.8% YoY
|
$3.9B
+6.8% YoY
|
$4.7B
+6.3% YoY
|
38% |
| Return on Assets ? |
-3.12%
+66.2% YoY
+20.0% QoQ
|
-4.20% |
1.08%
+14.7% YoY
|
0.96%
+10.8% YoY
|
1.12%
+15.6% YoY
|
Bottom 1% in tier |
| Net Interest Margin ? |
3.95%
-8.6% YoY
+7.4% QoQ
|
+0.10% |
3.85%
+6.6% YoY
|
3.80%
+7.5% YoY
|
3.75%
+7.1% YoY
|
56% |
| Efficiency Ratio ? |
154.39%
-46.6% YoY
-15.4% QoQ
|
+86.66% |
67.73%
-4.8% YoY
|
61.43%
-2.7% YoY
|
65.09%
-5.1% YoY
|
Bottom 1% in tier |
| Delinquency Rate ? |
0.12%
+164.4% QoQ
|
-0.52% |
0.64%
+24.4% YoY
|
0.69%
+31.8% YoY
|
0.66%
+20.3% YoY
|
69% |
| Loan-to-Deposit Ratio ? |
93.12%
+8.6% YoY
+22.9% QoQ
|
+18.59% |
74.53%
+0.5% YoY
|
85.48%
+0.3% YoY
|
78.04%
+0.7% YoY
|
17% |
| Non-Interest-Bearing Deposit Share ? |
18.89%
+28.5% YoY
+0.6% QoQ
|
-3.50% |
22.39%
-1.3% YoY
|
25.54%
-3.2% YoY
|
21.79%
-1.3% YoY
|
38% |
| Nonperforming Asset Ratio ? |
0.09%
+210.0% QoQ
|
-0.36% |
0.45%
+25.1% YoY
|
0.51%
+32.9% YoY
|
0.48%
+20.8% YoY
|
68% |
| 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 ? |
0.41%
+127.0% YoY
+410.4% QoQ
|
-0.15% |
0.56%
+0.3% YoY
|
0.50%
+8.5% YoY
|
0.65%
+0.6% YoY
|
57% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Return on Assets
metric
Bottom 1%
in Micro
Why this stands out
Current:
-3.12%
(Tier avg: 1.08%, National avg: 1.12%)
Efficiency Ratio
metric
Bottom 1%
in Micro
Why this stands out
Current:
154.39%
(Tier avg: 67.73%, National avg: 65.09%)
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
69
69th pctile
Delinquency Rate
Current: 0.12% · Tier avg: 0.64%
68
68th pctile
Nonperforming Asset Ratio
Current: 0.09% · Tier avg: 0.45%
57
57th pctile
Non-Interest Income / Assets
Current: 0.41% · Tier avg: 0.56%
56
56th pctile
Net Interest Margin
Current: 3.95% · Tier avg: 3.85%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
49
49th pctile
Total Loans
Current: $117.0M · Tier avg: $139.2M
38
38th pctile
Non-Interest-Bearing Deposit Share
Current: 18.89% · Tier avg: 22.39%
38
38th pctile
Total Deposits
Current: $125.6M · Tier avg: $183.7M
37
37th pctile
Total Assets
Current: $147.0M · Tier avg: $217.5M
17
17th pctile
Loan-to-Deposit Ratio
Current: 93.12% · Tier avg: 74.53%
0
0th pctile
Return on Assets
Current: -3.12% · Tier avg: 1.08%
0
0th pctile
Efficiency Ratio
Current: 154.39% · Tier avg: 67.73%
Top Weaknesses
0
0th pctile
Efficiency Ratio
Current: 154.39% · Tier avg: 67.73%
0
0th pctile
Return on Assets
Current: -3.12% · Tier avg: 1.08%
17
17th pctile
Loan-to-Deposit Ratio
Current: 93.12% · Tier avg: 74.53%
37
37th pctile
Total Assets
Current: $147.0M · Tier avg: $217.5M
38
38th pctile
Total Deposits
Current: $125.6M · Tier avg: $183.7M
38
38th pctile
Non-Interest-Bearing Deposit Share
Current: 18.89% · Tier avg: 22.39%
49
49th pctile
Total Loans
Current: $117.0M · Tier avg: $139.2M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
56
56th pctile
Net Interest Margin
Current: 3.95% · Tier avg: 3.85%
57
57th pctile
Non-Interest Income / Assets
Current: 0.41% · Tier avg: 0.56%
68
68th pctile
Nonperforming Asset Ratio
Current: 0.09% · Tier avg: 0.45%
69
69th pctile
Delinquency Rate
Current: 0.12% · Tier avg: 0.64%