BlastPoint's Banking Scorecard
Bank of the Pacific
Community
Specialty: Commercial
WA
FDIC cert 23041
Aberdeen, WA
1484
banks in Community tier nationally
15 in WA
View Community leaderboard (WA) →
Bank of the Pacific shows strong momentum with 3 strengths and 10.5% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Deposit Franchise: Top 56% in Community
- + Delinquency Rate 0.61% below tier
- + Nonperforming Asset Ratio 0.49% below 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 (WA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.3B
+10.5% YoY
+0.9% QoQ
|
-$117.1M |
$1.4B
+2.0% YoY
|
$3.0B
+0.9% YoY
|
$5.9B
+6.5% YoY
|
62% |
| Total Loans ? |
$766.0M
+10.1% YoY
+0.5% QoQ
|
-$209.5M |
$975.5M
+2.4% YoY
|
$2.1B
+0.7% YoY
|
$3.1B
+8.5% YoY
|
54% |
| Total Deposits ? |
$1.1B
+10.7% YoY
+0.8% QoQ
|
-$41.3M |
$1.2B
+1.7% YoY
|
$2.5B
+2.4% YoY
|
$4.7B
+6.3% YoY
|
64% |
| Return on Assets ? |
1.03%
+10.3% YoY
+1.1% QoQ
|
-0.13% |
1.16%
+17.2% YoY
|
0.73%
+12.9% YoY
|
1.12%
+15.6% YoY
|
42% |
| Net Interest Margin ? |
4.29%
+0.1% YoY
-0.1% QoQ
|
+0.63% |
3.66%
+9.1% YoY
|
3.82%
+5.9% YoY
|
3.75%
+7.1% YoY
|
81% |
| Efficiency Ratio ? |
69.74%
-6.3% YoY
-0.1% QoQ
|
+7.11% |
62.63%
-5.3% YoY
|
71.57%
-0.7% YoY
|
65.09%
-5.1% YoY
|
27% |
| Delinquency Rate ? |
0.02%
-89.7% YoY
-66.1% QoQ
|
-0.61% |
0.63%
+18.3% YoY
|
0.58%
+11.6% YoY
|
0.66%
+20.3% YoY
|
Top 7% in tier |
| Loan-to-Deposit Ratio ? |
68.19%
-0.5% YoY
-0.3% QoQ
|
-14.88% |
83.06%
+0.3% YoY
|
86.62%
+0.7% YoY
|
78.04%
+0.7% YoY
|
83% |
| Non-Interest-Bearing Deposit Share ? |
36.17%
-2.4% YoY
-4.6% QoQ
|
+15.13% |
21.05%
-0.9% YoY
|
25.62%
-3.7% YoY
|
21.79%
-1.3% YoY
|
Top 7% in tier |
| Nonperforming Asset Ratio ? |
0.01%
-89.8% YoY
-66.3% QoQ
|
-0.49% |
0.50%
+20.3% YoY
|
0.45%
+3.2% YoY
|
0.48%
+20.8% YoY
|
Top 6% in tier |
| Tier 1 Capital Ratio ? |
16.07%
-1.0% YoY
+1.3% QoQ
|
+5.83% |
10.24%
-0.6% YoY
|
9.41%
-4.6% YoY
|
9.75%
-1.9% YoY
|
83% |
| Non-Interest Income / Assets ? |
0.46%
-20.5% YoY
+37.3% QoQ
|
-0.28% |
0.74%
-1.3% YoY
|
0.77%
+3.5% YoY
|
0.65%
+0.6% YoY
|
43% |
Signature Analysis
Strengths (3)
Deposit Franchise
growth
#84 of 150 · Top 56% in Community
Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.
Why this signature
Noninterest-Bearing Deposit Share:
36.17%
(Tier: 21.05%, National: 21.79%)
Net Interest Margin:
4.29%
(Tier: 3.66%, National: 3.75%)
150 of 150 Community banks match
·
176 nationally
→ Stable
+2 banks QoQ
Delinquency Rate
metric
Top 7%
in Community
Why this stands out
Current:
0.02%
(Tier avg: 0.63%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 6%
in Community
Why this stands out
Current:
0.01%
(Tier avg: 0.50%, National avg: 0.48%)
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
94
94th pctile
Nonperforming Asset Ratio
Current: 0.01% · Tier avg: 0.50%
93
93th pctile
Delinquency Rate
Current: 0.02% · Tier avg: 0.63%
93
93th pctile
Non-Interest-Bearing Deposit Share
Current: 36.17% · Tier avg: 21.05%
83
83th pctile
Tier 1 Capital Ratio
Current: 16.07% · Tier avg: 10.24%
83
83th pctile
Loan-to-Deposit Ratio
Current: 68.19% · Tier avg: 83.06%
81
81th pctile
Net Interest Margin
Current: 4.29% · Tier avg: 3.66%
64
64th pctile
Total Deposits
Current: $1.1B · Tier avg: $1.2B
62
62th pctile
Total Assets
Current: $1.3B · Tier avg: $1.4B
54
54th pctile
Total Loans
Current: $766.0M · Tier avg: $975.5M
43
43th pctile
Non-Interest Income / Assets
Current: 0.46% · Tier avg: 0.74%
42
42th pctile
Return on Assets
Current: 1.03% · Tier avg: 1.16%
27
27th pctile
Efficiency Ratio
Current: 69.74% · Tier avg: 62.63%
Top Weaknesses
27
27th pctile
Efficiency Ratio
Current: 69.74% · Tier avg: 62.63%
42
42th pctile
Return on Assets
Current: 1.03% · Tier avg: 1.16%
43
43th pctile
Non-Interest Income / Assets
Current: 0.46% · Tier avg: 0.74%
54
54th pctile
Total Loans
Current: $766.0M · Tier avg: $975.5M
62
62th pctile
Total Assets
Current: $1.3B · Tier avg: $1.4B
64
64th pctile
Total Deposits
Current: $1.1B · Tier avg: $1.2B
81
81th pctile
Net Interest Margin
Current: 4.29% · Tier avg: 3.66%
83
83th pctile
Loan-to-Deposit Ratio
Current: 68.19% · Tier avg: 83.06%
83
83th pctile
Tier 1 Capital Ratio
Current: 16.07% · Tier avg: 10.24%
93
93th pctile
Non-Interest-Bearing Deposit Share
Current: 36.17% · Tier avg: 21.05%
93
93th pctile
Delinquency Rate
Current: 0.02% · Tier avg: 0.63%
94
94th pctile
Nonperforming Asset Ratio
Current: 0.01% · Tier avg: 0.50%