BlastPoint's Banking Scorecard
Coastal Community Bank
Community
Specialty: Commercial
WA
FDIC cert 34403
Everett, WA
1484
banks in Community tier nationally
15 in WA
View Community leaderboard (WA) →
Coastal Community Bank has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 18% in Community
- + Net Interest Margin 3.90% above tier
Key Concerns
Areas that may need attention
- - Cost Spiral: Bottom 41% in Community
- - Margin Compression: Bottom 60% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$4.7B
+15.1% YoY
+4.1% QoQ
|
+$3.3B |
$1.4B
+2.0% YoY
|
$3.0B
+0.9% YoY
|
$5.9B
+6.5% YoY
|
Top 1% in tier |
| Total Loans ? |
$3.7B
+9.6% YoY
+2.2% QoQ
|
+$2.7B |
$975.5M
+2.4% YoY
|
$2.1B
+0.7% YoY
|
$3.1B
+8.5% YoY
|
Top 1% in tier |
| Total Deposits ? |
$4.2B
+15.2% YoY
+4.2% QoQ
|
+$3.0B |
$1.2B
+1.7% YoY
|
$2.5B
+2.4% YoY
|
$4.7B
+6.3% YoY
|
Top 1% in tier |
| Return on Assets ? |
1.11%
-8.9% YoY
+0.6% QoQ
|
-0.06% |
1.16%
+17.2% YoY
|
0.73%
+12.9% YoY
|
1.12%
+15.6% YoY
|
48% |
| Net Interest Margin ? |
7.56%
+3.1% YoY
-1.0% QoQ
|
+3.90% |
3.66%
+9.1% YoY
|
3.82%
+5.9% YoY
|
3.75%
+7.1% YoY
|
Top 1% in tier |
| Efficiency Ratio ? |
52.69%
+26.0% YoY
-0.2% QoQ
|
-9.95% |
62.63%
-5.3% YoY
|
71.57%
-0.7% YoY
|
65.09%
-5.1% YoY
|
78% |
| Delinquency Rate ? |
1.76%
-6.7% YoY
+5.0% QoQ
|
+1.13% |
0.63%
+18.3% YoY
|
0.58%
+11.6% YoY
|
0.66%
+20.3% YoY
|
Bottom 12% in tier |
| Loan-to-Deposit Ratio ? |
87.21%
-4.9% YoY
-2.0% QoQ
|
+4.15% |
83.06%
+0.3% YoY
|
86.62%
+0.7% YoY
|
78.04%
+0.7% YoY
|
43% |
| Non-Interest-Bearing Deposit Share ? |
13.88%
-12.4% YoY
-1.8% QoQ
|
-7.17% |
21.05%
-0.9% YoY
|
25.62%
-3.7% YoY
|
21.79%
-1.3% YoY
|
22% |
| Nonperforming Asset Ratio ? |
1.35%
-11.1% YoY
+3.0% QoQ
|
+0.85% |
0.50%
+20.3% YoY
|
0.45%
+3.2% YoY
|
0.48%
+20.8% YoY
|
Bottom 12% in tier |
| Tier 1 Capital Ratio ? |
12.50%
+4.3% YoY
+1.0% QoQ
|
+2.26% |
10.24%
-0.6% YoY
|
9.41%
-4.6% YoY
|
9.75%
-1.9% YoY
|
52% |
| Non-Interest Income / Assets ? |
4.89%
-35.7% YoY
+28.5% QoQ
|
+4.15% |
0.74%
-1.3% YoY
|
0.77%
+3.5% YoY
|
0.65%
+0.6% YoY
|
Top 1% in tier |
Signature Analysis
Strengths (2)
Revenue Diversifier
growth
#68 of 371 · Top 18% in Community
Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Why this signature
Noninterest Income / Assets:
4.89%
(Tier: 0.74%, National: 0.65%)
Return on Assets:
1.11%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
441 nationally
→ Stable
+4 banks QoQ
|
QoQ rank improving
Net Interest Margin
metric
Top 1%
in Community
Why this stands out
Current:
7.56%
(Tier avg: 3.66%, National avg: 3.75%)
Concerns (2)
Cost Spiral
risk
#17 of 40 · Bottom 41% in Community
Historically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.
Why this signature
Efficiency Ratio:
52.69%
(Tier: 62.63%, National: 65.09%)
40 of 40 Community banks match
·
50 nationally
↓ Shrinking
-10 banks QoQ
Margin Compression
decline
#72 of 120 · Bottom 60% in Community
Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Why this signature
Return on Assets:
1.11%
(Tier: 1.16%, National: 1.12%)
120 of 120 Community banks match
·
147 nationally
→ Stable
-9 banks QoQ
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
100
100th pctile
Net Interest Margin
Current: 7.56% · Tier avg: 3.66%
100
100th pctile
Total Deposits
Current: $4.2B · Tier avg: $1.2B
99
99th pctile
Total Assets
Current: $4.7B · Tier avg: $1.4B
99
99th pctile
Total Loans
Current: $3.7B · Tier avg: $975.5M
99
99th pctile
Non-Interest Income / Assets
Current: 4.89% · Tier avg: 0.74%
78
78th pctile
Efficiency Ratio
Current: 52.69% · Tier avg: 62.63%
52
52th pctile
Tier 1 Capital Ratio
Current: 12.50% · Tier avg: 10.24%
48
48th pctile
Return on Assets
Current: 1.11% · Tier avg: 1.16%
43
43th pctile
Loan-to-Deposit Ratio
Current: 87.21% · Tier avg: 83.06%
22
22th pctile
Non-Interest-Bearing Deposit Share
Current: 13.88% · Tier avg: 21.05%
12
12th pctile
Delinquency Rate
Current: 1.76% · Tier avg: 0.63%
12
12th pctile
Nonperforming Asset Ratio
Current: 1.35% · Tier avg: 0.50%
Top Weaknesses
12
12th pctile
Nonperforming Asset Ratio
Current: 1.35% · Tier avg: 0.50%
12
12th pctile
Delinquency Rate
Current: 1.76% · Tier avg: 0.63%
22
22th pctile
Non-Interest-Bearing Deposit Share
Current: 13.88% · Tier avg: 21.05%
43
43th pctile
Loan-to-Deposit Ratio
Current: 87.21% · Tier avg: 83.06%
48
48th pctile
Return on Assets
Current: 1.11% · Tier avg: 1.16%
52
52th pctile
Tier 1 Capital Ratio
Current: 12.50% · Tier avg: 10.24%
78
78th pctile
Efficiency Ratio
Current: 52.69% · Tier avg: 62.63%
99
99th pctile
Non-Interest Income / Assets
Current: 4.89% · Tier avg: 0.74%
99
99th pctile
Total Loans
Current: $3.7B · Tier avg: $975.5M
99
99th pctile
Total Assets
Current: $4.7B · Tier avg: $1.4B
100
100th pctile
Total Deposits
Current: $4.2B · Tier avg: $1.2B
100
100th pctile
Net Interest Margin
Current: 7.56% · Tier avg: 3.66%