BlastPoint's Banking Scorecard

Connect Community Bank

under $100M Specialty: Mortgage WA FDIC cert 28266

Designations: ✓ Community bank ✓ Mutual

Raymond, WA

2 branches across WA

541 banks in the under $100M peer group nationally 4 in WA

Connect Community Bank has 1 strength but faces 3 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

+ Delinquency Rate 1.19% below tier average

Key Concerns

Areas that may need attention

- Return on Assets 2.59% below tier average
- Efficiency Ratio 60.21% above tier average
- Net Interest Margin 0.85% below tier average

Get updates when Connect Community Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (WA)	National Avg	Tier Percentile
Total Assets ?	$74.0M +8.6% YoY -3.5% QoQ	+$11.8M	$62.2M -0.6% YoY	$3.1B +4.0% YoY	$6.2B +9.1% YoY	63%
Total Loans ?	$58.8M +2.0% YoY -1.1% QoQ	+$24.6M	$34.2M -1.4% YoY	$2.2B +2.0% YoY	$3.2B +10.8% YoY	Top 13.1% in tier
Total Deposits ?	$70.7M +22.6% YoY +9.0% QoQ	+$18.9M	$51.7M -0.7% YoY	$2.5B +4.5% YoY	$4.8B +8.2% YoY	75%
Return on Assets ?	-1.76% +20.5% YoY -12.6% QoQ	-2.59%	0.84% -2.3% YoY	0.33% -42.8% YoY	1.23% +13.4% YoY	Bottom 5.4% in tier
Net Interest Margin ?	3.01% +17.4% YoY +8.3% QoQ	-0.85%	3.86% +2.8% YoY	3.69% +1.2% YoY	3.89% +5.7% YoY	17%
Efficiency Ratio ?	148.55% -17.1% YoY -2.6% QoQ	+60.21%	88.34% +0.3% YoY	71.09% -8.1% YoY	66.95% -4.1% YoY	Bottom 4.4% in tier
Delinquency Rate ?	0.19% +7.0% QoQ	-1.19%	1.37% +33.8% YoY	1.35% +102.7% YoY	0.95% +18.8% YoY	61%
Loan-to-Deposit Ratio ?	83.27% -16.9% YoY -9.3% QoQ	+19.05%	64.22% -0.7% YoY	81.10% -2.4% YoY	76.70% +0.9% YoY	23%
Non-Interest-Bearing Deposit Share ?	5.85% +27.9% YoY -6.8% QoQ	-17.86%	23.71% +0.3% YoY	25.15% +1.1% YoY	22.01% -1.2% YoY	Bottom 10.9% in tier
Nonperforming Asset Ratio ?	0.15% +9.6% QoQ	-0.64%	0.79% +28.2% YoY	0.95% +54.5% YoY	0.67% +19.3% YoY	56%
Tier 1 Capital Ratio ?	8.40% -23.6% YoY -7.2% QoQ	-18.29%	26.68% +2.0% YoY	13.58% +1.6% YoY	17.06% +0.8% YoY	Bottom 0.9% in tier
Non-Interest Income / Assets ?	0.04% -33.1% YoY -75.4% QoQ	-0.62%	0.67% +1.9% YoY	0.20% +3.0% YoY	0.32% +4.1% YoY	36%

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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 (0)

No matched strength signatures this quarter

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 541 peers in under $100M

Top Strengths (2 metrics)

Total Loans

size

Value: $58.84M

Peer Median: $34.25M

#72 of 541 Top 13.1% in under $100M

134

Total Deposits

size

Value: $70.66M

Peer Median: $51.74M

#134 of 541 Top 24.6% in under $100M

Top Weaknesses (6 metrics)

537

Tier 1 Capital Ratio

capital

Value: 8.40%

Peer Median: 26.68%

#537 of 541 Bottom 0.9% in under $100M

518

Efficiency Ratio

profitability

Value: 148.55%

Peer Median: 88.34%

#518 of 541 Bottom 4.4% in under $100M

513

Return on Assets

profitability

Value: -1.76%

Peer Median: 0.84%

#513 of 541 Bottom 5.4% in under $100M

483

Non-Interest-Bearing Deposit Share

funding

Value: 5.85%

Peer Median: 23.71%

#483 of 541 Bottom 10.9% in under $100M

448

Net Interest Margin

profitability

Value: 3.01%

Peer Median: 3.86%

#448 of 541 Bottom 17.4% in under $100M

418

Loan-to-Deposit Ratio

liquidity

Value: 83.27%

Peer Median: 64.22%

#418 of 541 Bottom 22.9% in under $100M