BlastPoint's Banking Scorecard
Scottsdale Community Bank
Micro
Specialty: Commercial
AZ
FDIC cert 59203
Designations: ✓ Community bank
Scottsdale, AZ
2498
banks in Micro tier nationally
7 in AZ
View Micro leaderboard (AZ) →
Scottsdale Community Bank has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Nonperforming Asset Ratio 0.45% below tier
Key Concerns
Areas that may need attention
- - Return on Assets 1.48% below tier
- - Efficiency Ratio 41.90% above tier
- - Non-Interest Income / Assets 0.51% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AZ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$107.2M
+42.0% YoY
+10.3% QoQ
|
-$110.3M |
$217.5M
+2.3% YoY
|
$17.0B
+5.7% YoY
|
$5.9B
+6.5% YoY
|
25% |
| Total Loans ? |
$85.1M
+57.3% YoY
+14.8% QoQ
|
-$54.1M |
$139.2M
+2.8% YoY
|
$9.0B
+5.8% YoY
|
$3.1B
+8.5% YoY
|
36% |
| Total Deposits ? |
$86.6M
+56.1% YoY
+13.2% QoQ
|
-$97.1M |
$183.7M
+1.8% YoY
|
$14.5B
+5.2% YoY
|
$4.7B
+6.3% YoY
|
24% |
| Return on Assets ? |
-0.39%
+73.7% YoY
+30.2% QoQ
|
-1.48% |
1.08%
+14.7% YoY
|
0.25%
+127.0% YoY
|
1.12%
+15.6% YoY
|
Bottom 4% in tier |
| Net Interest Margin ? |
3.21%
-2.5% YoY
-0.4% QoQ
|
-0.65% |
3.85%
+6.6% YoY
|
4.02%
+5.8% YoY
|
3.75%
+7.1% YoY
|
22% |
| Efficiency Ratio ? |
109.63%
-18.2% YoY
-3.7% QoQ
|
+41.90% |
67.73%
-4.8% YoY
|
85.64%
-13.8% YoY
|
65.09%
-5.1% YoY
|
Bottom 3% in tier |
| Delinquency Rate ? | 0.00% | -0.64% |
0.64%
+24.4% YoY
|
1.24%
+35.9% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
98.32%
+0.8% YoY
+1.4% QoQ
|
+23.79% |
74.53%
+0.5% YoY
|
82.13%
-1.4% YoY
|
78.04%
+0.7% YoY
|
Bottom 11% in tier |
| Non-Interest-Bearing Deposit Share ? |
13.90%
-31.1% YoY
-14.3% QoQ
|
-8.50% |
22.39%
-1.3% YoY
|
23.21%
-3.7% YoY
|
21.79%
-1.3% YoY
|
20% |
| Nonperforming Asset Ratio ? | 0.00% | -0.45% |
0.45%
+25.1% YoY
|
0.90%
+22.8% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
11.10%
+38.8% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.05%
+19.7% YoY
+32.1% QoQ
|
-0.51% |
0.56%
+0.3% YoY
|
0.77%
+36.7% YoY
|
0.65%
+0.6% YoY
|
Bottom 3% in tier |
Signature Analysis
Strengths (2)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
Concerns (3)
Return on Assets
metric
Bottom 4%
in Micro
Why this stands out
Current:
-0.39%
(Tier avg: 1.08%, National avg: 1.12%)
Efficiency Ratio
metric
Bottom 3%
in Micro
Why this stands out
Current:
109.63%
(Tier avg: 67.73%, National avg: 65.09%)
Non-Interest Income / Assets
metric
Bottom 3%
in Micro
Why this stands out
Current:
0.05%
(Tier avg: 0.56%, National avg: 0.65%)
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%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
36
36th pctile
Total Loans
Current: $85.1M · Tier avg: $139.2M
25
25th pctile
Total Assets
Current: $107.2M · Tier avg: $217.5M
24
24th pctile
Total Deposits
Current: $86.6M · Tier avg: $183.7M
22
22th pctile
Net Interest Margin
Current: 3.21% · Tier avg: 3.85%
20
20th pctile
Non-Interest-Bearing Deposit Share
Current: 13.90% · Tier avg: 22.39%
11
11th pctile
Loan-to-Deposit Ratio
Current: 98.32% · Tier avg: 74.53%
4
4th pctile
Return on Assets
Current: -0.39% · Tier avg: 1.08%
3
3th pctile
Non-Interest Income / Assets
Current: 0.05% · Tier avg: 0.56%
3
3th pctile
Efficiency Ratio
Current: 109.63% · Tier avg: 67.73%
Top Weaknesses
3
3th pctile
Efficiency Ratio
Current: 109.63% · Tier avg: 67.73%
3
3th pctile
Non-Interest Income / Assets
Current: 0.05% · Tier avg: 0.56%
4
4th pctile
Return on Assets
Current: -0.39% · Tier avg: 1.08%
11
11th pctile
Loan-to-Deposit Ratio
Current: 98.32% · Tier avg: 74.53%
20
20th pctile
Non-Interest-Bearing Deposit Share
Current: 13.90% · Tier avg: 22.39%
22
22th pctile
Net Interest Margin
Current: 3.21% · Tier avg: 3.85%
24
24th pctile
Total Deposits
Current: $86.6M · Tier avg: $183.7M
25
25th pctile
Total Assets
Current: $107.2M · Tier avg: $217.5M
36
36th pctile
Total Loans
Current: $85.1M · Tier avg: $139.2M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%