BlastPoint's Banking Scorecard
Savings Bank of Mendocino County
Community
Specialty: Commercial
CA
FDIC cert 8011
Ukiah, CA
1484
banks in Community tier nationally
59 in CA
View Community leaderboard (CA) →
Savings Bank of Mendocino County has 2 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 39% in Community
- + Nonperforming Asset Ratio 0.48% below tier
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 31% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.3B
+2.6% YoY
-0.7% QoQ
|
-$48.8M |
$1.4B
+2.0% YoY
|
$4.7B
+7.1% YoY
|
$5.9B
+6.5% YoY
|
64% |
| Total Loans ? |
$735.0M
+1.7% YoY
+0.3% QoQ
|
-$240.5M |
$975.5M
+2.4% YoY
|
$3.2B
+8.7% YoY
|
$3.1B
+8.5% YoY
|
52% |
| Total Deposits ? |
$1.0B
+1.4% YoY
-1.6% QoQ
|
-$134.9M |
$1.2B
+1.7% YoY
|
$3.9B
+6.8% YoY
|
$4.7B
+6.3% YoY
|
60% |
| Return on Assets ? |
0.96%
+15.9% YoY
+6.0% QoQ
|
-0.20% |
1.16%
+17.2% YoY
|
0.96%
+10.8% YoY
|
1.12%
+15.6% YoY
|
36% |
| Net Interest Margin ? |
3.51%
+3.0% YoY
+1.9% QoQ
|
-0.16% |
3.66%
+9.1% YoY
|
3.80%
+7.5% YoY
|
3.75%
+7.1% YoY
|
42% |
| Efficiency Ratio ? |
67.24%
-1.9% YoY
+2.6% QoQ
|
+4.61% |
62.63%
-5.3% YoY
|
61.43%
-2.7% YoY
|
65.09%
-5.1% YoY
|
34% |
| Delinquency Rate ? |
0.04%
-6.2% YoY
+110.9% QoQ
|
-0.59% |
0.63%
+18.3% YoY
|
0.69%
+31.8% YoY
|
0.66%
+20.3% YoY
|
Top 11% in tier |
| Loan-to-Deposit Ratio ? |
71.38%
+0.3% YoY
+1.9% QoQ
|
-11.68% |
83.06%
+0.3% YoY
|
85.48%
+0.3% YoY
|
78.04%
+0.7% YoY
|
79% |
| Non-Interest-Bearing Deposit Share ? |
32.67%
-2.3% YoY
-3.0% QoQ
|
+11.63% |
21.05%
-0.9% YoY
|
25.54%
-3.2% YoY
|
21.79%
-1.3% YoY
|
Top 12% in tier |
| Nonperforming Asset Ratio ? |
0.02%
-7.0% YoY
+112.9% QoQ
|
-0.48% |
0.50%
+20.3% YoY
|
0.51%
+32.9% YoY
|
0.48%
+20.8% YoY
|
Top 10% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
11.83%
-4.8% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.35%
+1.6% YoY
+27.5% QoQ
|
-0.38% |
0.74%
-1.3% YoY
|
0.50%
+8.5% YoY
|
0.65%
+0.6% YoY
|
30% |
Signature Analysis
Strengths (2)
Credit Quality Leader
growth
#145 of 371 · Top 39% in Community
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why this signature
Delinquency Rate:
0.04%
(Tier: 0.63%, National: 0.66%)
371 of 371 Community banks match
·
443 nationally
→ Stable
+6 banks QoQ
|
QoQ rank improving
Nonperforming Asset Ratio
metric
Top 10%
in Community
Why this stands out
Current:
0.02%
(Tier avg: 0.50%, National avg: 0.48%)
Concerns (1)
Capital Thin
risk
#133 of 432 · Bottom 31% in Community
Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Why this signature
Tier 1 Risk-Based Capital Ratio:
0.00%
(Tier: 10.24%, National: 9.75%)
432 of 432 Community banks match
·
505 nationally
→ Stable
+11 banks QoQ
|
QoQ rank improving
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
90
90th pctile
Nonperforming Asset Ratio
Current: 0.02% · Tier avg: 0.50%
89
89th pctile
Delinquency Rate
Current: 0.04% · Tier avg: 0.63%
88
88th pctile
Non-Interest-Bearing Deposit Share
Current: 32.67% · Tier avg: 21.05%
79
79th pctile
Loan-to-Deposit Ratio
Current: 71.38% · Tier avg: 83.06%
64
64th pctile
Total Assets
Current: $1.3B · Tier avg: $1.4B
60
60th pctile
Total Deposits
Current: $1.0B · Tier avg: $1.2B
52
52th pctile
Total Loans
Current: $735.0M · Tier avg: $975.5M
42
42th pctile
Net Interest Margin
Current: 3.51% · Tier avg: 3.66%
36
36th pctile
Return on Assets
Current: 0.96% · Tier avg: 1.16%
34
34th pctile
Efficiency Ratio
Current: 67.24% · Tier avg: 62.63%
30
30th pctile
Non-Interest Income / Assets
Current: 0.35% · Tier avg: 0.74%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
Top Weaknesses
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
30
30th pctile
Non-Interest Income / Assets
Current: 0.35% · Tier avg: 0.74%
34
34th pctile
Efficiency Ratio
Current: 67.24% · Tier avg: 62.63%
36
36th pctile
Return on Assets
Current: 0.96% · Tier avg: 1.16%
42
42th pctile
Net Interest Margin
Current: 3.51% · Tier avg: 3.66%
52
52th pctile
Total Loans
Current: $735.0M · Tier avg: $975.5M
60
60th pctile
Total Deposits
Current: $1.0B · Tier avg: $1.2B
64
64th pctile
Total Assets
Current: $1.3B · Tier avg: $1.4B
79
79th pctile
Loan-to-Deposit Ratio
Current: 71.38% · Tier avg: 83.06%
88
88th pctile
Non-Interest-Bearing Deposit Share
Current: 32.67% · Tier avg: 21.05%
89
89th pctile
Delinquency Rate
Current: 0.04% · Tier avg: 0.63%
90
90th pctile
Nonperforming Asset Ratio
Current: 0.02% · Tier avg: 0.50%