BlastPoint's Banking Scorecard
Seattle Bank
Community
Specialty: Commercial
WA
FDIC cert 35139
Seattle, WA
1484
banks in Community tier nationally
15 in WA
View Community leaderboard (WA) →
Seattle Bank faces 4 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 0.90% below tier
- - Delinquency Rate 4.18% above tier
- - Non-Interest-Bearing Deposit Share 15.06% below tier
- - Nonperforming Asset Ratio 4.89% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.0B
+7.7% YoY
+2.6% QoQ
|
-$356.1M |
$1.4B
+2.0% YoY
|
$3.0B
+0.9% YoY
|
$5.9B
+6.5% YoY
|
52% |
| Total Loans ? |
$819.9M
+7.2% YoY
-5.1% QoQ
|
-$155.6M |
$975.5M
+2.4% YoY
|
$2.1B
+0.7% YoY
|
$3.1B
+8.5% YoY
|
59% |
| Total Deposits ? |
$931.1M
+9.1% YoY
+3.0% QoQ
|
-$233.5M |
$1.2B
+1.7% YoY
|
$2.5B
+2.4% YoY
|
$4.7B
+6.3% YoY
|
55% |
| Return on Assets ? |
0.26%
-28.2% YoY
+5.1% QoQ
|
-0.90% |
1.16%
+17.2% YoY
|
0.73%
+12.9% YoY
|
1.12%
+15.6% YoY
|
Bottom 5% in tier |
| Net Interest Margin ? |
4.04%
-15.0% YoY
-1.0% QoQ
|
+0.37% |
3.66%
+9.1% YoY
|
3.82%
+5.9% YoY
|
3.75%
+7.1% YoY
|
72% |
| Efficiency Ratio ? |
77.16%
+13.9% YoY
-0.6% QoQ
|
+14.53% |
62.63%
-5.3% YoY
|
71.57%
-0.7% YoY
|
65.09%
-5.1% YoY
|
Bottom 14% in tier |
| Delinquency Rate ? |
4.81%
+14.6% YoY
+20.2% QoQ
|
+4.18% |
0.63%
+18.3% YoY
|
0.58%
+11.6% YoY
|
0.66%
+20.3% YoY
|
Bottom 1% in tier |
| Loan-to-Deposit Ratio ? |
88.06%
-1.7% YoY
-7.9% QoQ
|
+5.00% |
83.06%
+0.3% YoY
|
86.62%
+0.7% YoY
|
78.04%
+0.7% YoY
|
41% |
| Non-Interest-Bearing Deposit Share ? |
5.99%
-9.4% YoY
-10.3% QoQ
|
-15.06% |
21.05%
-0.9% YoY
|
25.62%
-3.7% YoY
|
21.79%
-1.3% YoY
|
Bottom 5% in tier |
| Nonperforming Asset Ratio ? |
5.39%
-21.8% YoY
+1.1% QoQ
|
+4.89% |
0.50%
+20.3% YoY
|
0.45%
+3.2% YoY
|
0.48%
+20.8% YoY
|
Bottom 1% in tier |
| Tier 1 Capital Ratio ? |
12.55%
-13.0% YoY
+4.3% QoQ
|
+2.31% |
10.24%
-0.6% YoY
|
9.41%
-4.6% YoY
|
9.75%
-1.9% YoY
|
53% |
| Non-Interest Income / Assets ? |
-0.22%
-35.1% QoQ
|
-0.96% |
0.74%
-1.3% YoY
|
0.77%
+3.5% YoY
|
0.65%
+0.6% YoY
|
- |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (4)
Return on Assets
metric
Bottom 5%
in Community
Why this stands out
Current:
0.26%
(Tier avg: 1.16%, National avg: 1.12%)
Delinquency Rate
metric
Bottom 1%
in Community
Why this stands out
Current:
4.81%
(Tier avg: 0.63%, National avg: 0.66%)
Non-Interest-Bearing Deposit Share
metric
Bottom 5%
in Community
Why this stands out
Current:
5.99%
(Tier avg: 21.05%, National avg: 21.79%)
Nonperforming Asset Ratio
metric
Bottom 1%
in Community
Why this stands out
Current:
5.39%
(Tier avg: 0.50%, National avg: 0.48%)
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
72
72th pctile
Net Interest Margin
Current: 4.04% · Tier avg: 3.66%
59
59th pctile
Total Loans
Current: $819.9M · Tier avg: $975.5M
55
55th pctile
Total Deposits
Current: $931.1M · Tier avg: $1.2B
53
53th pctile
Tier 1 Capital Ratio
Current: 12.55% · Tier avg: 10.24%
52
52th pctile
Total Assets
Current: $1.0B · Tier avg: $1.4B
41
41th pctile
Loan-to-Deposit Ratio
Current: 88.06% · Tier avg: 83.06%
14
14th pctile
Efficiency Ratio
Current: 77.16% · Tier avg: 62.63%
5
5th pctile
Return on Assets
Current: 0.26% · Tier avg: 1.16%
5
5th pctile
Non-Interest-Bearing Deposit Share
Current: 5.99% · Tier avg: 21.05%
0
0th pctile
Delinquency Rate
Current: 4.81% · Tier avg: 0.63%
0
0th pctile
Nonperforming Asset Ratio
Current: 5.39% · Tier avg: 0.50%
Top Weaknesses
0
0th pctile
Nonperforming Asset Ratio
Current: 5.39% · Tier avg: 0.50%
0
0th pctile
Delinquency Rate
Current: 4.81% · Tier avg: 0.63%
5
5th pctile
Non-Interest-Bearing Deposit Share
Current: 5.99% · Tier avg: 21.05%
5
5th pctile
Return on Assets
Current: 0.26% · Tier avg: 1.16%
14
14th pctile
Efficiency Ratio
Current: 77.16% · Tier avg: 62.63%
41
41th pctile
Loan-to-Deposit Ratio
Current: 88.06% · Tier avg: 83.06%
52
52th pctile
Total Assets
Current: $1.0B · Tier avg: $1.4B
53
53th pctile
Tier 1 Capital Ratio
Current: 12.55% · Tier avg: 10.24%
55
55th pctile
Total Deposits
Current: $931.1M · Tier avg: $1.2B
59
59th pctile
Total Loans
Current: $819.9M · Tier avg: $975.5M
72
72th pctile
Net Interest Margin
Current: 4.04% · Tier avg: 3.66%