BlastPoint's Banking Scorecard
Peoples Bank
Community
Specialty: Commercial
WA
FDIC cert 6158
Bellingham, WA
1484
banks in Community tier nationally
15 in WA
View Community leaderboard (WA) →
Peoples Bank has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 33% in Community
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 7% in Community
- - Capital Thin: Bottom 13% in Community
- - Flatlined Growth: Bottom 31% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.5B
-0.2% YoY
-0.0% QoQ
|
+$1.1B |
$1.4B
+2.0% YoY
|
$3.0B
+0.9% YoY
|
$5.9B
+6.5% YoY
|
Top 15% in tier |
| Total Loans ? |
$1.9B
+1.2% YoY
-0.3% QoQ
|
+$970.8M |
$975.5M
+2.4% YoY
|
$2.1B
+0.7% YoY
|
$3.1B
+8.5% YoY
|
Top 12% in tier |
| Total Deposits ? |
$2.1B
-0.8% YoY
-0.2% QoQ
|
+$968.3M |
$1.2B
+1.7% YoY
|
$2.5B
+2.4% YoY
|
$4.7B
+6.3% YoY
|
Top 14% in tier |
| Return on Assets ? |
1.00%
+16.0% YoY
+4.9% QoQ
|
-0.17% |
1.16%
+17.2% YoY
|
0.73%
+12.9% YoY
|
1.12%
+15.6% YoY
|
39% |
| Net Interest Margin ? |
4.09%
+9.2% YoY
+0.6% QoQ
|
+0.42% |
3.66%
+9.1% YoY
|
3.82%
+5.9% YoY
|
3.75%
+7.1% YoY
|
73% |
| Efficiency Ratio ? |
70.84%
-2.9% YoY
-1.2% QoQ
|
+8.21% |
62.63%
-5.3% YoY
|
71.57%
-0.7% YoY
|
65.09%
-5.1% YoY
|
25% |
| Delinquency Rate ? |
0.08%
-16.7% YoY
-5.6% QoQ
|
-0.55% |
0.63%
+18.3% YoY
|
0.58%
+11.6% YoY
|
0.66%
+20.3% YoY
|
84% |
| Loan-to-Deposit Ratio ? |
91.25%
+2.0% YoY
-0.1% QoQ
|
+8.19% |
83.06%
+0.3% YoY
|
86.62%
+0.7% YoY
|
78.04%
+0.7% YoY
|
32% |
| Non-Interest-Bearing Deposit Share ? |
32.52%
-2.1% YoY
+0.7% QoQ
|
+11.48% |
21.05%
-0.9% YoY
|
25.62%
-3.7% YoY
|
21.79%
-1.3% YoY
|
Top 12% in tier |
| Nonperforming Asset Ratio ? |
0.09%
-14.6% YoY
-3.9% QoQ
|
-0.41% |
0.50%
+20.3% YoY
|
0.45%
+3.2% YoY
|
0.48%
+20.8% YoY
|
79% |
| 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 ? |
0.52%
+5.3% YoY
+34.8% QoQ
|
-0.22% |
0.74%
-1.3% YoY
|
0.77%
+3.5% YoY
|
0.65%
+0.6% YoY
|
51% |
Signature Analysis
Strengths (1)
Credit Quality Leader
growth
#122 of 371 · Top 33% in Community
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why this signature
Delinquency Rate:
0.08%
(Tier: 0.63%, National: 0.66%)
371 of 371 Community banks match
·
443 nationally
→ Stable
+6 banks QoQ
|
QoQ rank declining
Concerns (3)
Liquidity Strain
risk
#38 of 513 · Bottom 7% 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:
91.25%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank improving
Capital Thin
risk
#59 of 432 · Bottom 13% in Community
Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Why this signature
Tier 1 Risk-Based Capital Ratio:
0.00%
(Tier: 10.24%, National: 9.75%)
432 of 432 Community banks match
·
505 nationally
→ Stable
+11 banks QoQ
|
QoQ rank improving
Flatlined Growth
risk
#77 of 245 · Bottom 31% in Community
Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Why this signature
Return on Assets:
1.00%
(Tier: 1.16%, National: 1.12%)
245 of 245 Community banks match
·
308 nationally
↓ Shrinking
-35 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
88
88th pctile
Non-Interest-Bearing Deposit Share
Current: 32.52% · Tier avg: 21.05%
88
88th pctile
Total Loans
Current: $1.9B · Tier avg: $975.5M
86
86th pctile
Total Deposits
Current: $2.1B · Tier avg: $1.2B
85
85th pctile
Total Assets
Current: $2.5B · Tier avg: $1.4B
84
84th pctile
Delinquency Rate
Current: 0.08% · Tier avg: 0.63%
79
79th pctile
Nonperforming Asset Ratio
Current: 0.09% · Tier avg: 0.50%
73
73th pctile
Net Interest Margin
Current: 4.09% · Tier avg: 3.66%
51
51th pctile
Non-Interest Income / Assets
Current: 0.52% · Tier avg: 0.74%
39
39th pctile
Return on Assets
Current: 1.00% · Tier avg: 1.16%
32
32th pctile
Loan-to-Deposit Ratio
Current: 91.25% · Tier avg: 83.06%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
25
25th pctile
Efficiency Ratio
Current: 70.84% · Tier avg: 62.63%
Top Weaknesses
25
25th pctile
Efficiency Ratio
Current: 70.84% · Tier avg: 62.63%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
32
32th pctile
Loan-to-Deposit Ratio
Current: 91.25% · Tier avg: 83.06%
39
39th pctile
Return on Assets
Current: 1.00% · Tier avg: 1.16%
51
51th pctile
Non-Interest Income / Assets
Current: 0.52% · Tier avg: 0.74%
73
73th pctile
Net Interest Margin
Current: 4.09% · Tier avg: 3.66%
79
79th pctile
Nonperforming Asset Ratio
Current: 0.09% · Tier avg: 0.50%
84
84th pctile
Delinquency Rate
Current: 0.08% · Tier avg: 0.63%
85
85th pctile
Total Assets
Current: $2.5B · Tier avg: $1.4B
86
86th pctile
Total Deposits
Current: $2.1B · Tier avg: $1.2B
88
88th pctile
Total Loans
Current: $1.9B · Tier avg: $975.5M
88
88th pctile
Non-Interest-Bearing Deposit Share
Current: 32.52% · Tier avg: 21.05%