BlastPoint's Banking Scorecard
Pacific West Bank
Micro
Specialty: Commercial
OR
FDIC cert 57872
Designations: ✓ Community bank
West Linn, OR
2498
banks in Micro tier nationally
4 in OR
View Micro leaderboard (OR) →
Pacific West Bank faces 3 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 2.27% above tier
- - Nonperforming Asset Ratio 1.61% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$386.1M
+17.4% YoY
+7.1% QoQ
|
+$168.6M |
$217.5M
+2.3% YoY
|
$5.8B
+35.0% YoY
|
$5.9B
+6.5% YoY
|
Top 14% in tier |
| Total Loans ? |
$273.4M
+9.7% YoY
+1.7% QoQ
|
+$134.2M |
$139.2M
+2.8% YoY
|
$4.1B
+33.3% YoY
|
$3.1B
+8.5% YoY
|
Top 12% in tier |
| Total Deposits ? |
$342.3M
+25.5% YoY
+8.1% QoQ
|
+$158.7M |
$183.7M
+1.8% YoY
|
$4.7B
+35.4% YoY
|
$4.7B
+6.3% YoY
|
Top 11% in tier |
| Return on Assets ? |
0.18%
+277.8% YoY
-8.8% QoQ
|
-0.90% |
1.08%
+14.7% YoY
|
0.97%
+23.1% YoY
|
1.12%
+15.6% YoY
|
Bottom 10% in tier |
| Net Interest Margin ? |
3.24%
+12.1% YoY
+1.4% QoQ
|
-0.61% |
3.85%
+6.6% YoY
|
3.91%
+8.6% YoY
|
3.75%
+7.1% YoY
|
23% |
| Efficiency Ratio ? |
87.78%
-14.3% YoY
-2.1% QoQ
|
+20.05% |
67.73%
-4.8% YoY
|
69.38%
-5.2% YoY
|
65.09%
-5.1% YoY
|
Bottom 11% in tier |
| Delinquency Rate ? |
2.91%
+764.2% YoY
-6.0% QoQ
|
+2.27% |
0.64%
+24.4% YoY
|
0.44%
+26.5% YoY
|
0.66%
+20.3% YoY
|
Bottom 7% in tier |
| Loan-to-Deposit Ratio ? |
79.86%
-12.6% YoY
-5.9% QoQ
|
+5.33% |
74.53%
+0.5% YoY
|
78.09%
-1.5% YoY
|
78.04%
+0.7% YoY
|
57% |
| Non-Interest-Bearing Deposit Share ? |
22.99%
-10.9% YoY
-0.7% QoQ
|
+0.60% |
22.39%
-1.3% YoY
|
23.36%
-7.5% YoY
|
21.79%
-1.3% YoY
|
56% |
| Nonperforming Asset Ratio ? |
2.06%
+707.3% YoY
-10.8% QoQ
|
+1.61% |
0.45%
+25.1% YoY
|
0.42%
+67.0% YoY
|
0.48%
+20.8% YoY
|
Bottom 6% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
8.96%
-3.7% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.26%
+28.3% YoY
+31.0% QoQ
|
-0.30% |
0.56%
+0.3% YoY
|
0.64%
+1.9% YoY
|
0.65%
+0.6% YoY
|
34% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (3)
Return on Assets
metric
Bottom 10%
in Micro
Why this stands out
Current:
0.18%
(Tier avg: 1.08%, National avg: 1.12%)
Delinquency Rate
metric
Bottom 7%
in Micro
Why this stands out
Current:
2.91%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 6%
in Micro
Why this stands out
Current:
2.06%
(Tier avg: 0.45%, 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
89
89th pctile
Total Deposits
Current: $342.3M · Tier avg: $183.7M
88
88th pctile
Total Loans
Current: $273.4M · Tier avg: $139.2M
86
86th pctile
Total Assets
Current: $386.1M · Tier avg: $217.5M
57
57th pctile
Loan-to-Deposit Ratio
Current: 79.86% · Tier avg: 74.53%
56
56th pctile
Non-Interest-Bearing Deposit Share
Current: 22.99% · Tier avg: 22.39%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
34
34th pctile
Non-Interest Income / Assets
Current: 0.26% · Tier avg: 0.56%
23
23th pctile
Net Interest Margin
Current: 3.24% · Tier avg: 3.85%
11
11th pctile
Efficiency Ratio
Current: 87.78% · Tier avg: 67.73%
10
10th pctile
Return on Assets
Current: 0.18% · Tier avg: 1.08%
7
7th pctile
Delinquency Rate
Current: 2.91% · Tier avg: 0.64%
6
6th pctile
Nonperforming Asset Ratio
Current: 2.06% · Tier avg: 0.45%
Top Weaknesses
6
6th pctile
Nonperforming Asset Ratio
Current: 2.06% · Tier avg: 0.45%
7
7th pctile
Delinquency Rate
Current: 2.91% · Tier avg: 0.64%
10
10th pctile
Return on Assets
Current: 0.18% · Tier avg: 1.08%
11
11th pctile
Efficiency Ratio
Current: 87.78% · Tier avg: 67.73%
23
23th pctile
Net Interest Margin
Current: 3.24% · Tier avg: 3.85%
34
34th pctile
Non-Interest Income / Assets
Current: 0.26% · Tier avg: 0.56%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
56
56th pctile
Non-Interest-Bearing Deposit Share
Current: 22.99% · Tier avg: 22.39%
57
57th pctile
Loan-to-Deposit Ratio
Current: 79.86% · Tier avg: 74.53%
86
86th pctile
Total Assets
Current: $386.1M · Tier avg: $217.5M
88
88th pctile
Total Loans
Current: $273.4M · Tier avg: $139.2M
89
89th pctile
Total Deposits
Current: $342.3M · Tier avg: $183.7M