BlastPoint's Banking Scorecard
Sound Community Bank
Community
Specialty: Commercial
WA
FDIC cert 57451
Seattle, WA
1484
banks in Community tier nationally
15 in WA
View Community leaderboard (WA) →
Sound Community Bank faces 1 concern 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 11% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.1B
+9.9% YoY
+3.0% QoQ
|
-$299.1M |
$1.4B
+2.0% YoY
|
$3.0B
+0.9% YoY
|
$5.9B
+6.5% YoY
|
55% |
| Total Loans ? |
$897.5M
+0.6% YoY
-0.4% QoQ
|
-$78.0M |
$975.5M
+2.4% YoY
|
$2.1B
+0.7% YoY
|
$3.1B
+8.5% YoY
|
64% |
| Total Deposits ? |
$954.2M
+13.4% YoY
+5.0% QoQ
|
-$210.4M |
$1.2B
+1.7% YoY
|
$2.5B
+2.4% YoY
|
$4.7B
+6.3% YoY
|
57% |
| Return on Assets ? |
0.79%
+44.1% YoY
+7.2% QoQ
|
-0.37% |
1.16%
+17.2% YoY
|
0.73%
+12.9% YoY
|
1.12%
+15.6% YoY
|
24% |
| Net Interest Margin ? |
3.58%
+11.7% YoY
-1.1% QoQ
|
-0.08% |
3.66%
+9.1% YoY
|
3.82%
+5.9% YoY
|
3.75%
+7.1% YoY
|
46% |
| Efficiency Ratio ? |
72.79%
-8.8% YoY
-2.5% QoQ
|
+10.16% |
62.63%
-5.3% YoY
|
71.57%
-0.7% YoY
|
65.09%
-5.1% YoY
|
21% |
| Delinquency Rate ? |
0.64%
-23.3% YoY
+113.5% QoQ
|
+0.01% |
0.63%
+18.3% YoY
|
0.58%
+11.6% YoY
|
0.66%
+20.3% YoY
|
38% |
| Loan-to-Deposit Ratio ? |
94.06%
-11.3% YoY
-5.2% QoQ
|
+10.99% |
83.06%
+0.3% YoY
|
86.62%
+0.7% YoY
|
78.04%
+0.7% YoY
|
25% |
| Non-Interest-Bearing Deposit Share ? |
14.45%
-10.2% YoY
-6.8% QoQ
|
-6.60% |
21.05%
-0.9% YoY
|
25.62%
-3.7% YoY
|
21.79%
-1.3% YoY
|
24% |
| Nonperforming Asset Ratio ? |
0.56%
-25.6% YoY
+94.0% QoQ
|
+0.06% |
0.50%
+20.3% YoY
|
0.45%
+3.2% YoY
|
0.48%
+20.8% YoY
|
35% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
9.41%
-4.6% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.35%
-23.1% YoY
+23.7% QoQ
|
-0.39% |
0.74%
-1.3% YoY
|
0.77%
+3.5% YoY
|
0.65%
+0.6% YoY
|
29% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Liquidity Strain
risk
#56 of 513 · Bottom 11% 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:
94.06%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank improving
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
Total Loans
Current: $897.5M · Tier avg: $975.5M
57
57th pctile
Total Deposits
Current: $954.2M · Tier avg: $1.2B
55
55th pctile
Total Assets
Current: $1.1B · Tier avg: $1.4B
46
46th pctile
Net Interest Margin
Current: 3.58% · Tier avg: 3.66%
38
38th pctile
Delinquency Rate
Current: 0.64% · Tier avg: 0.63%
35
35th pctile
Nonperforming Asset Ratio
Current: 0.56% · Tier avg: 0.50%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
29
29th pctile
Non-Interest Income / Assets
Current: 0.35% · Tier avg: 0.74%
25
25th pctile
Loan-to-Deposit Ratio
Current: 94.06% · Tier avg: 83.06%
24
24th pctile
Return on Assets
Current: 0.79% · Tier avg: 1.16%
24
24th pctile
Non-Interest-Bearing Deposit Share
Current: 14.45% · Tier avg: 21.05%
21
21th pctile
Efficiency Ratio
Current: 72.79% · Tier avg: 62.63%
Top Weaknesses
21
21th pctile
Efficiency Ratio
Current: 72.79% · Tier avg: 62.63%
24
24th pctile
Non-Interest-Bearing Deposit Share
Current: 14.45% · Tier avg: 21.05%
24
24th pctile
Return on Assets
Current: 0.79% · Tier avg: 1.16%
25
25th pctile
Loan-to-Deposit Ratio
Current: 94.06% · Tier avg: 83.06%
29
29th pctile
Non-Interest Income / Assets
Current: 0.35% · Tier avg: 0.74%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
35
35th pctile
Nonperforming Asset Ratio
Current: 0.56% · Tier avg: 0.50%
38
38th pctile
Delinquency Rate
Current: 0.64% · Tier avg: 0.63%
46
46th pctile
Net Interest Margin
Current: 3.58% · Tier avg: 3.66%
55
55th pctile
Total Assets
Current: $1.1B · Tier avg: $1.4B
57
57th pctile
Total Deposits
Current: $954.2M · Tier avg: $1.2B
64
64th pctile
Total Loans
Current: $897.5M · Tier avg: $975.5M