BlastPoint's Banking Scorecard
Connect Community Bank
Micro
Specialty: Mortgage
WA
FDIC cert 28266
Designations: ✓ Community bank ✓ Mutual
Raymond, WA
2498
banks in Micro tier nationally
11 in WA
View Micro leaderboard (WA) →
Connect Community Bank faces 3 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 2.65% below tier
- - Efficiency Ratio 84.73% above tier
- - Non-Interest-Bearing Deposit Share 16.11% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$76.7M
+9.4% YoY
+8.9% QoQ
|
-$140.8M |
$217.5M
+2.3% YoY
|
$3.0B
+0.9% YoY
|
$5.9B
+6.5% YoY
|
Bottom 15% in tier |
| Total Loans ? |
$59.5M
+2.0% YoY
-0.9% QoQ
|
-$79.7M |
$139.2M
+2.8% YoY
|
$2.1B
+0.7% YoY
|
$3.1B
+8.5% YoY
|
24% |
| Total Deposits ? |
$64.8M
+10.2% YoY
+13.7% QoQ
|
-$118.8M |
$183.7M
+1.8% YoY
|
$2.5B
+2.4% YoY
|
$4.7B
+6.3% YoY
|
15% |
| Return on Assets ? |
-1.56%
+11.2% YoY
+8.9% QoQ
|
-2.65% |
1.08%
+14.7% YoY
|
0.73%
+12.9% YoY
|
1.12%
+15.6% YoY
|
Bottom 1% in tier |
| Net Interest Margin ? |
2.78%
+18.0% YoY
-0.7% QoQ
|
-1.07% |
3.85%
+6.6% YoY
|
3.82%
+5.9% YoY
|
3.75%
+7.1% YoY
|
Bottom 10% in tier |
| Efficiency Ratio ? |
152.46%
-13.9% YoY
-2.8% QoQ
|
+84.73% |
67.73%
-4.8% YoY
|
71.57%
-0.7% YoY
|
65.09%
-5.1% YoY
|
Bottom 1% in tier |
| Delinquency Rate ? | 0.17% | -0.47% |
0.64%
+24.4% YoY
|
0.58%
+11.6% YoY
|
0.66%
+20.3% YoY
|
64% |
| Loan-to-Deposit Ratio ? |
91.81%
-7.5% YoY
-12.8% QoQ
|
+17.29% |
74.53%
+0.5% YoY
|
86.62%
+0.7% YoY
|
78.04%
+0.7% YoY
|
20% |
| Non-Interest-Bearing Deposit Share ? |
6.28%
-84.5% YoY
+2.0% QoQ
|
-16.11% |
22.39%
-1.3% YoY
|
25.62%
-3.7% YoY
|
21.79%
-1.3% YoY
|
Bottom 6% in tier |
| Nonperforming Asset Ratio ? | 0.14% | -0.32% |
0.45%
+25.1% YoY
|
0.45%
+3.2% YoY
|
0.48%
+20.8% YoY
|
63% |
| Tier 1 Capital Ratio ? |
9.05%
-24.0% YoY
-7.6% QoQ
|
+0.20% |
8.85%
-3.4% YoY
|
9.41%
-4.6% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.18%
-17.8% YoY
+22.7% QoQ
|
-0.39% |
0.56%
+0.3% YoY
|
0.77%
+3.5% YoY
|
0.65%
+0.6% YoY
|
19% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (3)
Return on Assets
metric
Bottom 1%
in Micro
Why this stands out
Current:
-1.56%
(Tier avg: 1.08%, National avg: 1.12%)
Efficiency Ratio
metric
Bottom 1%
in Micro
Why this stands out
Current:
152.46%
(Tier avg: 67.73%, National avg: 65.09%)
Non-Interest-Bearing Deposit Share
metric
Bottom 6%
in Micro
Why this stands out
Current:
6.28%
(Tier avg: 22.39%, National avg: 21.79%)
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
64
64th pctile
Delinquency Rate
Current: 0.17% · Tier avg: 0.64%
63
63th pctile
Nonperforming Asset Ratio
Current: 0.14% · Tier avg: 0.45%
51
51th pctile
Tier 1 Capital Ratio
Current: 9.05% · Tier avg: 8.85%
24
24th pctile
Total Loans
Current: $59.5M · Tier avg: $139.2M
20
20th pctile
Loan-to-Deposit Ratio
Current: 91.81% · Tier avg: 74.53%
19
19th pctile
Non-Interest Income / Assets
Current: 0.18% · Tier avg: 0.56%
15
15th pctile
Total Deposits
Current: $64.8M · Tier avg: $183.7M
15
15th pctile
Total Assets
Current: $76.7M · Tier avg: $217.5M
10
10th pctile
Net Interest Margin
Current: 2.78% · Tier avg: 3.85%
6
6th pctile
Non-Interest-Bearing Deposit Share
Current: 6.28% · Tier avg: 22.39%
1
1th pctile
Return on Assets
Current: -1.56% · Tier avg: 1.08%
0
0th pctile
Efficiency Ratio
Current: 152.46% · Tier avg: 67.73%
Top Weaknesses
0
0th pctile
Efficiency Ratio
Current: 152.46% · Tier avg: 67.73%
1
1th pctile
Return on Assets
Current: -1.56% · Tier avg: 1.08%
6
6th pctile
Non-Interest-Bearing Deposit Share
Current: 6.28% · Tier avg: 22.39%
10
10th pctile
Net Interest Margin
Current: 2.78% · Tier avg: 3.85%
15
15th pctile
Total Assets
Current: $76.7M · Tier avg: $217.5M
15
15th pctile
Total Deposits
Current: $64.8M · Tier avg: $183.7M
19
19th pctile
Non-Interest Income / Assets
Current: 0.18% · Tier avg: 0.56%
20
20th pctile
Loan-to-Deposit Ratio
Current: 91.81% · Tier avg: 74.53%
24
24th pctile
Total Loans
Current: $59.5M · Tier avg: $139.2M
51
51th pctile
Tier 1 Capital Ratio
Current: 9.05% · Tier avg: 8.85%
63
63th pctile
Nonperforming Asset Ratio
Current: 0.14% · Tier avg: 0.45%
64
64th pctile
Delinquency Rate
Current: 0.17% · Tier avg: 0.64%