BlastPoint's Banking Scorecard
Bank of the Pacific
Designations: ✓ Community bank
Aberdeen, WA
20 branches across WA · OR
Bank of the Pacific has 4 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.80% below tier average
- + Non-Interest-Bearing Deposit Share 16.75% above tier average
- + Nonperforming Asset Ratio 0.62% below tier average
- + Net Interest Margin 0.26% above tier average
Key Concerns
Areas that may need attention
- - ROA 0.35% below tier average
- - Efficiency Ratio 10.97% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (WA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.3B
+5.9% YoY
+1.2% QoQ
|
-$1.5B |
$2.8B
-0.1% YoY
|
$3.1B
+4.0% YoY
|
$6.2B
+9.1% YoY
|
23% |
| Total Loans ? |
$761.6M
+9.2% YoY
-0.6% QoQ
|
-$1.2B |
$2.0B
+0.6% YoY
|
$2.2B
+2.0% YoY
|
$3.2B
+10.8% YoY
|
Bottom 11.1% in tier |
| Total Deposits ? |
$1.1B
+6.0% YoY
+1.4% QoQ
|
-$1.2B |
$2.3B
-0.3% YoY
|
$2.5B
+4.5% YoY
|
$4.8B
+8.2% YoY
|
26% |
| Return on Assets ? |
1.02%
+15.0% YoY
-1.5% QoQ
|
-0.35% |
1.37%
+19.6% YoY
|
0.33%
-42.8% YoY
|
1.23%
+13.4% YoY
|
34% |
| Net Interest Margin ? |
4.07%
-3.2% YoY
-5.0% QoQ
|
+0.26% |
3.82%
+6.9% YoY
|
3.69%
+1.2% YoY
|
3.89%
+5.7% YoY
|
75% |
| Efficiency Ratio ? |
72.03%
-1.0% YoY
+3.3% QoQ
|
+10.97% |
61.06%
-4.6% YoY
|
71.09%
-8.1% YoY
|
66.95%
-4.1% YoY
|
20% |
| Delinquency Rate ? |
0.09%
-50.4% YoY
+437.8% QoQ
|
-0.80% |
0.89%
+14.1% YoY
|
1.35%
+102.7% YoY
|
0.95%
+18.8% YoY
|
Top 10.0% in tier |
| Loan-to-Deposit Ratio ? |
66.85%
+3.0% YoY
-2.0% QoQ
|
-17.35% |
84.20%
+0.3% YoY
|
81.10%
-2.4% YoY
|
76.70%
+0.9% YoY
|
Top 14.1% in tier |
| Non-Interest-Bearing Deposit Share ? |
38.04%
+6.7% YoY
+5.2% QoQ
|
+16.75% |
21.29%
-2.5% YoY
|
25.15%
+1.1% YoY
|
22.01%
-1.2% YoY
|
Top 5.8% in tier |
| Nonperforming Asset Ratio ? |
0.05%
-48.9% YoY
+428.3% QoQ
|
-0.62% |
0.67%
+15.6% YoY
|
0.95%
+54.5% YoY
|
0.67%
+19.3% YoY
|
Top 8.7% in tier |
| Tier 1 Capital Ratio ? |
16.22%
+0.1% YoY
+1.0% QoQ
|
+1.06% |
15.16%
+2.0% YoY
|
13.58%
+1.6% YoY
|
17.06%
+0.8% YoY
|
82% |
| Non-Interest Income / Assets ? |
0.10%
-5.0% YoY
-78.1% QoQ
|
-0.16% |
0.26%
+1.6% YoY
|
0.20%
+3.0% YoY
|
0.32%
+4.1% YoY
|
33% |
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Signature Analysis
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Metric Rankings
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