BlastPoint's Banking Scorecard
Twin City Bank
Micro
Specialty: Commercial
WA
FDIC cert 35261
Designations: ✓ Community bank
Longview, WA
2498
banks in Micro tier nationally
11 in WA
View Micro leaderboard (WA) →
Twin City Bank shows strong momentum with 3 strengths and 16.9% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Non-Interest-Bearing Deposit Share 32.13% above tier
- + Non-Interest Income / Assets 0.47% above 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 ? |
$81.5M
+16.9% YoY
+6.4% QoQ
|
-$136.0M |
$217.5M
+2.3% YoY
|
$3.0B
+0.9% YoY
|
$5.9B
+6.5% YoY
|
17% |
| Total Loans ? |
$52.0M
+23.2% YoY
+12.4% QoQ
|
-$87.2M |
$139.2M
+2.8% YoY
|
$2.1B
+0.7% YoY
|
$3.1B
+8.5% YoY
|
21% |
| Total Deposits ? |
$64.4M
+1.2% YoY
-6.8% QoQ
|
-$119.2M |
$183.7M
+1.8% YoY
|
$2.5B
+2.4% YoY
|
$4.7B
+6.3% YoY
|
15% |
| Return on Assets ? |
0.88%
+51.6% YoY
+6.2% QoQ
|
-0.20% |
1.08%
+14.7% YoY
|
0.73%
+12.9% YoY
|
1.12%
+15.6% YoY
|
38% |
| Net Interest Margin ? |
4.51%
+3.6% YoY
+0.9% QoQ
|
+0.66% |
3.85%
+6.6% YoY
|
3.82%
+5.9% YoY
|
3.75%
+7.1% YoY
|
79% |
| Efficiency Ratio ? |
73.94%
-12.0% YoY
-2.0% QoQ
|
+6.21% |
67.73%
-4.8% YoY
|
71.57%
-0.7% YoY
|
65.09%
-5.1% YoY
|
31% |
| Delinquency Rate ? |
0.00%
-100.0% YoY
|
-0.64% |
0.64%
+24.4% YoY
|
0.58%
+11.6% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
80.75%
+21.7% YoY
+20.6% QoQ
|
+6.22% |
74.53%
+0.5% YoY
|
86.62%
+0.7% YoY
|
78.04%
+0.7% YoY
|
59% |
| Non-Interest-Bearing Deposit Share ? |
54.52%
-2.0% YoY
+2.8% QoQ
|
+32.13% |
22.39%
-1.3% YoY
|
25.62%
-3.7% YoY
|
21.79%
-1.3% YoY
|
Top 1% in tier |
| Nonperforming Asset Ratio ? |
0.52%
-68.0% YoY
-6.0% QoQ
|
+0.07% |
0.45%
+25.1% YoY
|
0.45%
+3.2% YoY
|
0.48%
+20.8% YoY
|
36% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
9.41%
-4.6% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
1.03%
-4.2% YoY
+26.9% QoQ
|
+0.47% |
0.56%
+0.3% YoY
|
0.77%
+3.5% YoY
|
0.65%
+0.6% YoY
|
Top 8% in tier |
Signature Analysis
Strengths (3)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Non-Interest-Bearing Deposit Share
metric
Top 1%
in Micro
Why this stands out
Current:
54.52%
(Tier avg: 22.39%, National avg: 21.79%)
Non-Interest Income / Assets
metric
Top 8%
in Micro
Why this stands out
Current:
1.03%
(Tier avg: 0.56%, National avg: 0.65%)
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
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
99
99th pctile
Non-Interest-Bearing Deposit Share
Current: 54.52% · Tier avg: 22.39%
92
92th pctile
Non-Interest Income / Assets
Current: 1.03% · Tier avg: 0.56%
79
79th pctile
Net Interest Margin
Current: 4.51% · Tier avg: 3.85%
59
59th pctile
Loan-to-Deposit Ratio
Current: 80.75% · Tier avg: 74.53%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
38
38th pctile
Return on Assets
Current: 0.88% · Tier avg: 1.08%
36
36th pctile
Nonperforming Asset Ratio
Current: 0.52% · Tier avg: 0.45%
31
31th pctile
Efficiency Ratio
Current: 73.94% · Tier avg: 67.73%
21
21th pctile
Total Loans
Current: $52.0M · Tier avg: $139.2M
17
17th pctile
Total Assets
Current: $81.5M · Tier avg: $217.5M
15
15th pctile
Total Deposits
Current: $64.4M · Tier avg: $183.7M
Top Weaknesses
15
15th pctile
Total Deposits
Current: $64.4M · Tier avg: $183.7M
17
17th pctile
Total Assets
Current: $81.5M · Tier avg: $217.5M
21
21th pctile
Total Loans
Current: $52.0M · Tier avg: $139.2M
31
31th pctile
Efficiency Ratio
Current: 73.94% · Tier avg: 67.73%
36
36th pctile
Nonperforming Asset Ratio
Current: 0.52% · Tier avg: 0.45%
38
38th pctile
Return on Assets
Current: 0.88% · Tier avg: 1.08%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
59
59th pctile
Loan-to-Deposit Ratio
Current: 80.75% · Tier avg: 74.53%
79
79th pctile
Net Interest Margin
Current: 4.51% · Tier avg: 3.85%
92
92th pctile
Non-Interest Income / Assets
Current: 1.03% · Tier avg: 0.56%
99
99th pctile
Non-Interest-Bearing Deposit Share
Current: 54.52% · Tier avg: 22.39%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%