BlastPoint's Banking Scorecard

Bank of the Pacific

$1B-$10B Specialty: Commercial WA FDIC cert 23041

Designations: ✓ Community bank

Aberdeen, WA

20 branches across WA · OR

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 12 in WA.
Deposits +4.0% year over year ($1.1B on the books).
Delinquency rate 0.04%.
Return on assets 1.09%.
Efficiency ratio 70.04% vs a 59.73% peer average.
Loan-to-deposit ratio 68.36% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 12 in WA

View $1B-$10B leaderboard (WA) →

Bank of the Pacific has 3 strengths but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Deposit Franchise: Top 62.5% in tier
+ Delinquency Rate 0.83% below tier average
+ Nonperforming Asset Ratio 0.65% below tier average

Key Concerns

Areas that may need attention

- ROA 0.30% below tier average
- Efficiency Ratio 10.31% above tier average

Get updates when Bank of the Pacific releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (WA)	National Avg	Tier Percentile
Total Assets ?	$1.3B +4.0% YoY -2.0% QoQ	-$1.5B	$2.8B -0.6% YoY	$3.2B +7.3% YoY	$6.3B +7.7% YoY	21%
Total Loans ?	$761.0M +3.3% YoY -0.1% QoQ	-$1.2B	$2.0B -0.3% YoY	$2.3B +6.2% YoY	$3.2B +9.4% YoY	Bottom 11.3% in tier
Total Deposits ?	$1.1B +4.0% YoY -2.3% QoQ	-$1.2B	$2.3B -0.5% YoY	$2.6B +6.6% YoY	$4.9B +7.3% YoY	24%
Return on Assets ?	1.09% +16.7% YoY +6.8% QoQ	-0.30%	1.39% +17.0% YoY	0.49% -20.7% YoY	1.30% +12.1% YoY	35%
Net Interest Margin ?	4.15% -3.0% YoY +1.9% QoQ	+0.28%	3.87% +6.2% YoY	3.77% +1.0% YoY	3.95% +4.9% YoY	75%
Efficiency Ratio ?	70.04% -2.1% YoY -2.8% QoQ	+10.31%	59.73% -12.6% YoY	77.86% +4.3% YoY	70.05% +2.5% YoY	21%
Delinquency Rate ?	0.04% -41.5% YoY -57.3% QoQ	-0.83%	0.87% +11.7% YoY	2.42% +282.9% YoY	0.98% +16.3% YoY	Top 6.8% in tier
Loan-to-Deposit Ratio ?	68.36% -0.6% YoY +2.3% QoQ	-16.68%	85.04% -0.1% YoY	82.67% -3.3% YoY	79.03% +2.3% YoY	Top 13.8% in tier
Non-Interest-Bearing Deposit Share ?	36.96% -5.8% YoY -2.8% QoQ	+15.69%	21.27% -1.5% YoY	25.26% +1.1% YoY	21.98% -0.6% YoY	Top 6.7% in tier
Nonperforming Asset Ratio ?	0.02% -41.9% YoY -56.4% QoQ	-0.65%	0.67% +11.7% YoY	1.67% +187.6% YoY	0.69% +15.8% YoY	Top 6.2% in tier
Tier 1 Capital Ratio ?	16.39% +4.6% YoY +1.0% QoQ	+1.55%	14.84% -0.4% YoY	12.96% -1.6% YoY	17.09% +0.8% YoY	83%
Non-Interest Income / Assets ?	0.22% -2.1% YoY +121.6% QoQ	-0.30%	0.53% +2.5% YoY	0.42% +15.9% YoY	0.66% +5.2% YoY	35%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (WA)	National Avg	Tier Percentile
Noninterest-Bearing	37.0% -2.3pp YoY -1.1pp QoQ	+15.6pp	21.4%	25.3%	22.2%	93%
Brokered Deposits	n/a	n/a	9.5%	8.9%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (WA)	National Avg	Tier Percentile
C&I	11.6% +4.0pp YoY +0.4pp QoQ	-2.4pp	14.0%	10.5%	12.5%	53%
CRE	63.0% -1.7pp YoY +0.6pp QoQ	+12.9pp	50.0%	50.6%	41.4%	80%
1-4 Family	13.5% -0.5pp YoY -0.3pp QoQ	-12.9pp	26.4%	30.1%	31.3%	26%
Consumer	5.9% -2.2pp YoY -0.4pp QoQ	+1.1pp	4.7%	7.9%	5.0%	83%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (WA)	National Avg	Tier Percentile
CET1 Ratio	16.4% +0.7pp YoY +0.2pp QoQ	+0.8pp	15.6%	12.7%	19.7%	80%
Leverage Ratio	11.0% +0.1pp YoY +0.3pp QoQ	-0.3pp	11.3%	10.7%	12.6%	60%
Total Capital Ratio	17.5% +0.7pp YoY +0.1pp QoQ	+0.8pp	16.7%	13.8%	20.8%	80%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (WA)	National Avg	Tier Percentile
Full-Time Employees	199 -12 (-5.7%) YoY -8 (-3.9%) QoQ	-115	313	343	482	41%
Assets per Employee ($)	$6.4M +10.3% YoY +1.9% QoQ	-$4.1M	$10.5M	$8.5M	$8.8M	16%
Branch Count	20 0 YoY 0 QoQ	-0	20	24	18	65%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (WA)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.2%	0.4%	0.4%	n/a
Nonaccrual	0.0% 0.0pp YoY 0.0pp QoQ	-0.8pp	0.8%	2.6%	1.0%	4%
Allowance Coverage	31.50x +59.8% YoY +131.0% QoQ	+12.79x	18.71x	4.50x	20.23x	96%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.2pp	0.3%	0.4%	0.2%	38%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (WA)	National Avg	Tier Percentile
ROE	10.0% +1.3pp YoY +0.6pp QoQ	-2.6pp	12.6%	-2.7%	11.6%	33%
Cost of Funds (YTD)	1.0% 0.0pp YoY 0.0pp QoQ	-1.0pp	1.9%	1.8%	1.7%	5%
Net Income ($, YTD)	$6.9M +24.6% YoY — QoQ	-$12.3M	$19.2M	$14.3M	$40.4M	23%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Deposit Franchise

growth

#51 of 80 • Top 62.5% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature

Noninterest-Bearing Deposit Share: 36.96%

(Tier: 21.27%, National: 21.98%)

better than tier avg

Net Interest Margin: 4.15%

(Tier: 3.87%, National: 3.95%)

better than tier avg

80 of 80 Mid-Market banks match · 368 nationally

→ Stable -1 banks QoQ

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 885 peers in $1B-$10B

Top Strengths (6 metrics)

Nonperforming Asset Ratio

credit_quality

Value: 0.02%

Peer Median: 0.67%

#56 of 885 Top 6.2% in $1B-$10B

Non-Interest-Bearing Deposit Share

funding

Value: 36.96%

Peer Median: 21.27%

#60 of 885 Top 6.7% in $1B-$10B

Delinquency Rate

credit_quality

Value: 0.04%

Peer Median: 0.87%

#61 of 882 Top 6.8% in $1B-$10B

123

Loan-to-Deposit Ratio

liquidity

Value: 68.36%

Peer Median: 85.04%

#123 of 885 Top 13.8% in $1B-$10B

155

Tier 1 Capital Ratio

capital

Value: 16.39%

Peer Median: 14.84%

#155 of 885 Top 17.4% in $1B-$10B

219

Net Interest Margin

profitability

Value: 4.15%

Peer Median: 3.87%

#219 of 885 Top 24.6% in $1B-$10B

Top Weaknesses (4 metrics)

786

Total Loans

size

Value: $761.03M

Peer Median: $1.96B

#786 of 885 Bottom 11.3% in $1B-$10B

702

Total Assets

size

Value: $1.26B

Peer Median: $2.79B

#702 of 885 Bottom 20.8% in $1B-$10B

700

Efficiency Ratio

profitability

Value: 70.04%

Peer Median: 59.73%

#700 of 885 Bottom 21.0% in $1B-$10B

673

Total Deposits

size

Value: $1.11B

Peer Median: $2.32B

#673 of 885 Bottom 24.1% in $1B-$10B