BlastPoint's Banking Scorecard
First Fed Bank
Community
Specialty: Commercial
WA
FDIC cert 28405
Port Angeles, WA
1484
banks in Community tier nationally
15 in WA
View Community leaderboard (WA) →
First Fed Bank faces 5 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 13% in Community
- - Deposit Outflow: Bottom 20% in Community
- - Capital Constraint: Bottom 59% in Community
- - Efficiency Drag: Bottom 74% in Community
- - Return on Assets 1.26% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.1B
-5.8% YoY
-0.5% QoQ
|
+$698.1M |
$1.4B
+2.0% YoY
|
$3.0B
+0.9% YoY
|
$5.9B
+6.5% YoY
|
81% |
| Total Loans ? |
$1.6B
-3.5% YoY
+0.2% QoQ
|
+$637.9M |
$975.5M
+2.4% YoY
|
$2.1B
+0.7% YoY
|
$3.1B
+8.5% YoY
|
83% |
| Total Deposits ? |
$1.6B
-5.2% YoY
-3.8% QoQ
|
+$439.4M |
$1.2B
+1.7% YoY
|
$2.5B
+2.4% YoY
|
$4.7B
+6.3% YoY
|
78% |
| Return on Assets ? |
-0.10%
+30.6% YoY
+46.3% QoQ
|
-1.26% |
1.16%
+17.2% YoY
|
0.73%
+12.9% YoY
|
1.12%
+15.6% YoY
|
Bottom 2% in tier |
| Net Interest Margin ? |
2.98%
+5.3% YoY
+1.6% QoQ
|
-0.69% |
3.66%
+9.1% YoY
|
3.82%
+5.9% YoY
|
3.75%
+7.1% YoY
|
17% |
| Efficiency Ratio ? |
93.13%
+17.7% YoY
-2.1% QoQ
|
+30.50% |
62.63%
-5.3% YoY
|
71.57%
-0.7% YoY
|
65.09%
-5.1% YoY
|
Bottom 2% in tier |
| Delinquency Rate ? |
1.40%
-23.1% YoY
+66.8% QoQ
|
+0.77% |
0.63%
+18.3% YoY
|
0.58%
+11.6% YoY
|
0.66%
+20.3% YoY
|
17% |
| Loan-to-Deposit Ratio ? |
100.58%
+1.9% YoY
+4.2% QoQ
|
+17.52% |
83.06%
+0.3% YoY
|
86.62%
+0.7% YoY
|
78.04%
+0.7% YoY
|
Top 12% in tier |
| Non-Interest-Bearing Deposit Share ? |
15.69%
+0.7% YoY
-3.2% QoQ
|
-5.35% |
21.05%
-0.9% YoY
|
25.62%
-3.7% YoY
|
21.79%
-1.3% YoY
|
28% |
| Nonperforming Asset Ratio ? |
1.15%
-16.4% YoY
+61.8% QoQ
|
+0.65% |
0.50%
+20.3% YoY
|
0.45%
+3.2% YoY
|
0.48%
+20.8% YoY
|
16% |
| Tier 1 Capital Ratio ? |
12.49%
+0.4% YoY
-1.2% QoQ
|
+2.25% |
10.24%
-0.6% YoY
|
9.41%
-4.6% YoY
|
9.75%
-1.9% YoY
|
52% |
| Non-Interest Income / Assets ? |
0.47%
-33.3% YoY
+57.1% QoQ
|
-0.27% |
0.74%
-1.3% YoY
|
0.77%
+3.5% YoY
|
0.65%
+0.6% YoY
|
45% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (5)
Liquidity Strain
risk
#67 of 513 · Bottom 13% in Community
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
100.58%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank declining
Deposit Outflow
decline
#50 of 248 · Bottom 20% in Community
Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
248 of 248 Community banks match
·
294 nationally
↑ Growing
+37 banks QoQ
|
QoQ rank improving
Capital Constraint
risk
#28 of 47 · Bottom 59% in Community
Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.
Why this signature
Loan-to-Deposit Ratio:
100.58%
(Tier: 83.06%, National: 78.04%)
Tier 1 Risk-Based Capital Ratio:
12.49%
(Tier: 10.24%, National: 9.75%)
47 of 47 Community banks match
·
57 nationally
→ Stable
-1 banks QoQ
Efficiency Drag
risk
#112 of 152 · Bottom 74% in Community
Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Why this signature
Efficiency Ratio:
93.13%
(Tier: 62.63%, National: 65.09%)
152 of 152 Community banks match
·
163 nationally
→ Stable
-9 banks QoQ
|
QoQ rank improving
Return on Assets
metric
Bottom 2%
in Community
Why this stands out
Current:
-0.10%
(Tier avg: 1.16%, National avg: 1.12%)
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
88
88th pctile
Loan-to-Deposit Ratio
Current: 100.58% · Tier avg: 83.06%
83
83th pctile
Total Loans
Current: $1.6B · Tier avg: $975.5M
81
81th pctile
Total Assets
Current: $2.1B · Tier avg: $1.4B
78
78th pctile
Total Deposits
Current: $1.6B · Tier avg: $1.2B
52
52th pctile
Tier 1 Capital Ratio
Current: 12.49% · Tier avg: 10.24%
45
45th pctile
Non-Interest Income / Assets
Current: 0.47% · Tier avg: 0.74%
28
28th pctile
Non-Interest-Bearing Deposit Share
Current: 15.69% · Tier avg: 21.05%
17
17th pctile
Delinquency Rate
Current: 1.40% · Tier avg: 0.63%
17
17th pctile
Net Interest Margin
Current: 2.98% · Tier avg: 3.66%
16
16th pctile
Nonperforming Asset Ratio
Current: 1.15% · Tier avg: 0.50%
2
2th pctile
Efficiency Ratio
Current: 93.13% · Tier avg: 62.63%
2
2th pctile
Return on Assets
Current: -0.10% · Tier avg: 1.16%
Top Weaknesses
2
2th pctile
Return on Assets
Current: -0.10% · Tier avg: 1.16%
2
2th pctile
Efficiency Ratio
Current: 93.13% · Tier avg: 62.63%
16
16th pctile
Nonperforming Asset Ratio
Current: 1.15% · Tier avg: 0.50%
17
17th pctile
Net Interest Margin
Current: 2.98% · Tier avg: 3.66%
17
17th pctile
Delinquency Rate
Current: 1.40% · Tier avg: 0.63%
28
28th pctile
Non-Interest-Bearing Deposit Share
Current: 15.69% · Tier avg: 21.05%
45
45th pctile
Non-Interest Income / Assets
Current: 0.47% · Tier avg: 0.74%
52
52th pctile
Tier 1 Capital Ratio
Current: 12.49% · Tier avg: 10.24%
78
78th pctile
Total Deposits
Current: $1.6B · Tier avg: $1.2B
81
81th pctile
Total Assets
Current: $2.1B · Tier avg: $1.4B
83
83th pctile
Total Loans
Current: $1.6B · Tier avg: $975.5M
88
88th pctile
Loan-to-Deposit Ratio
Current: 100.58% · Tier avg: 83.06%