BlastPoint's Banking Scorecard
Connect Community Bank
Designations: ✓ Community bank ✓ Mutual
Raymond, WA
2 branches across WA
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 536 banks in the under $100M peer group nationwide — 1 of 4 in WA.
- Deposits +22.9% year over year ($69.7M on the books).
- Delinquency rate 0.15%.
- Return on assets -1.73%.
- Efficiency ratio 153.48% vs a 119.40% peer average.
- Loan-to-deposit ratio 82.83% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Connect Community Bank has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 1.33% below tier average
Key Concerns
Areas that may need attention
- - Return on Assets 2.73% below tier average
- - Efficiency Ratio 34.08% above tier average
- - Tier 1 Capital Ratio 19.47% below tier average
- - Net Interest Margin 0.99% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (WA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$72.7M
+4.3% YoY
-1.8% QoQ
|
+$10.2M |
$62.4M
-0.0% YoY
|
$3.2B
+7.3% YoY
|
$6.3B
+7.7% YoY
|
60% |
| Total Loans ? |
$57.8M
-2.9% YoY
-1.8% QoQ
|
+$22.9M |
$34.9M
-0.6% YoY
|
$2.3B
+6.2% YoY
|
$3.2B
+9.4% YoY
|
84% |
| Total Deposits ? |
$69.7M
+22.9% YoY
-1.3% QoQ
|
+$18.1M |
$51.6M
-0.2% YoY
|
$2.6B
+6.6% YoY
|
$4.9B
+7.3% YoY
|
74% |
| Return on Assets ? |
-1.73%
+2.0% YoY
+1.7% QoQ
|
-2.73% |
1.00%
+3.5% YoY
|
0.49%
-20.7% YoY
|
1.30%
+12.1% YoY
|
Bottom 5.0% in tier |
| Net Interest Margin ? |
2.92%
+8.8% YoY
-3.0% QoQ
|
-0.99% |
3.91%
+2.3% YoY
|
3.77%
+1.0% YoY
|
3.95%
+4.9% YoY
|
Bottom 12.9% in tier |
| Efficiency Ratio ? |
153.48%
-4.3% YoY
+3.3% QoQ
|
+34.08% |
119.40%
+49.6% YoY
|
77.86%
+4.3% YoY
|
70.05%
+2.5% YoY
|
Bottom 4.3% in tier |
| Delinquency Rate ? |
0.15%
-21.3% QoQ
|
-1.33% |
1.48%
+31.8% YoY
|
2.42%
+282.9% YoY
|
0.98%
+16.3% YoY
|
63% |
| Loan-to-Deposit Ratio ? |
82.83%
-21.0% YoY
-0.5% QoQ
|
+8.62% |
74.21%
+12.6% YoY
|
82.67%
-3.3% YoY
|
79.03%
+2.3% YoY
|
25% |
| Non-Interest-Bearing Deposit Share ? |
4.87%
+4.6% YoY
-16.8% QoQ
|
-18.62% |
23.49%
+0.6% YoY
|
25.26%
+1.1% YoY
|
21.98%
-0.6% YoY
|
Bottom 10.4% in tier |
| Nonperforming Asset Ratio ? |
0.12%
-21.3% QoQ
|
-0.72% |
0.84%
+23.0% YoY
|
1.67%
+187.6% YoY
|
0.69%
+15.8% YoY
|
60% |
| Tier 1 Capital Ratio ? |
7.66%
-28.5% YoY
-8.8% QoQ
|
-19.47% |
27.13%
+3.0% YoY
|
12.96%
-1.6% YoY
|
17.09%
+0.8% YoY
|
Bottom 0.7% in tier |
| Non-Interest Income / Assets ? |
0.08%
-23.0% YoY
+81.4% QoQ
|
-1.30% |
1.38%
+6.3% YoY
|
0.42%
+15.9% YoY
|
0.66%
+5.2% YoY
|
31% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 |
4.9%
+0.2pp YoY -1.0pp QoQ |
-19.8pp | 24.6% | 25.3% | 22.2% | 6% |
| Brokered Deposits | n/a | n/a | 9.8% | 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 |
0.0%
0.0pp YoY -1.1pp QoQ |
-13.4pp | 13.4% | 10.5% | 12.5% | 0% |
| CRE | n/a | n/a | 25.2% | 50.6% | 41.4% | n/a |
| 1-4 Family |
93.6%
-0.5pp YoY +0.8pp QoQ |
+58.6pp | 35.0% | 30.1% | 31.3% | 97% |
| Consumer |
2.9%
-0.2pp YoY -0.1pp QoQ |
-4.8pp | 7.7% | 7.9% | 5.0% | 30% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (WA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
7.7%
-3.1pp YoY -0.7pp QoQ |
-31.0pp | 38.7% | 12.7% | 19.7% | 1% |
| Leverage Ratio |
3.6%
-1.9pp YoY -0.4pp QoQ |
-14.1pp | 17.7% | 10.7% | 12.6% | 0% |
| Total Capital Ratio |
8.9%
-3.1pp YoY -0.7pp QoQ |
-30.8pp | 39.7% | 13.8% | 20.8% | 1% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (WA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
20
-3 (-13.0%) YoY 0 QoQ |
+8 | 12 | 343 | 482 | 88% |
| Assets per Employee ($) |
$3.6M
+19.9% YoY -1.8% QoQ |
-$2.6M | $6.2M | $8.5M | $8.8M | 14% |
| Branch Count |
2
-1 (-33.3%) YoY -1 (-33.3%) QoQ |
+0 | 1 | 24 | 18 | 63% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (WA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
-0.1pp QoQ |
-0.9pp | 1.0% | 0.4% | 0.4% | 17% |
| Nonaccrual | 0.1% | -1.6pp | 1.7% | 2.6% | 1.0% | 12% |
| Allowance Coverage |
6.87x
+12.0% QoQ |
+0.46x | 6.41x | 4.50x | 20.23x | 84% |
| Net Charge-off Rate (YTD) | 0.3% | +0.1pp | 0.2% | 0.4% | 0.2% | 84% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (WA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
-43.1%
-13.2pp YoY -1.0pp QoQ |
-49.5pp | 6.4% | -2.7% | 11.6% | 1% |
| Cost of Funds (YTD) |
1.7%
-0.1pp YoY +0.1pp QoQ |
+0.3pp | 1.4% | 1.8% | 1.7% | 69% |
| Net Income ($, YTD) |
$-643000.0
-5.2% YoY — QoQ |
-$961K | $317,817 | $14.3M | $40.4M | 3% |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.