BlastPoint's Banking Scorecard
First Fed Bank
Designations: ✓ Community bank
Port Angeles, WA
14 branches across WA
First Fed Bank faces 7 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 18.0% in tier
- - Deposit Outflow: Bottom 32.3% in tier
- - Capital Constraint: Bottom 75.7% in tier
- - Return on Assets 1.22% below tier average
- - Efficiency Ratio 34.49% above tier average
- - Net Interest Margin 0.76% below tier average
- - Delinquency Rate 0.46% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (WA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.1B
-2.0% YoY
+1.2% QoQ
|
-$700.5M |
$2.8B
-0.1% YoY
|
$3.1B
+4.0% YoY
|
$6.2B
+9.1% YoY
|
53% |
| Total Loans ? |
$1.6B
-1.4% YoY
+0.1% QoQ
|
-$350.5M |
$2.0B
+0.6% YoY
|
$2.2B
+2.0% YoY
|
$3.2B
+10.8% YoY
|
57% |
| Total Deposits ? |
$1.6B
-3.8% YoY
+0.4% QoQ
|
-$732.6M |
$2.3B
-0.3% YoY
|
$2.5B
+4.5% YoY
|
$4.8B
+8.2% YoY
|
48% |
| Return on Assets ? |
0.15%
+108.9% YoY
+250.7% QoQ
|
-1.22% |
1.37%
+19.6% YoY
|
0.33%
-42.8% YoY
|
1.23%
+13.4% YoY
|
Bottom 3.4% in tier |
| Net Interest Margin ? |
3.06%
+8.6% YoY
+2.7% QoQ
|
-0.76% |
3.82%
+6.9% YoY
|
3.69%
+1.2% YoY
|
3.89%
+5.7% YoY
|
20% |
| Efficiency Ratio ? |
95.55%
-16.1% YoY
+2.6% QoQ
|
+34.49% |
61.06%
-4.6% YoY
|
71.09%
-8.1% YoY
|
66.95%
-4.1% YoY
|
Bottom 1.5% in tier |
| Delinquency Rate ? |
1.35%
+8.0% YoY
-4.0% QoQ
|
+0.46% |
0.89%
+14.1% YoY
|
1.35%
+102.7% YoY
|
0.95%
+18.8% YoY
|
19% |
| Loan-to-Deposit Ratio ? |
100.22%
+2.4% YoY
-0.4% QoQ
|
+16.02% |
84.20%
+0.3% YoY
|
81.10%
-2.4% YoY
|
76.70%
+0.9% YoY
|
Bottom 13.2% in tier |
| Non-Interest-Bearing Deposit Share ? |
15.51%
+0.9% YoY
-1.2% QoQ
|
-5.78% |
21.29%
-2.5% YoY
|
25.15%
+1.1% YoY
|
22.01%
-1.2% YoY
|
30% |
| Nonperforming Asset Ratio ? |
1.09%
+15.5% YoY
-4.9% QoQ
|
+0.42% |
0.67%
+15.6% YoY
|
0.95%
+54.5% YoY
|
0.67%
+19.3% YoY
|
18% |
| Tier 1 Capital Ratio ? |
12.43%
+2.7% YoY
-0.5% QoQ
|
-2.73% |
15.16%
+2.0% YoY
|
13.58%
+1.6% YoY
|
17.06%
+0.8% YoY
|
39% |
| Non-Interest Income / Assets ? |
0.09%
-33.2% YoY
-80.6% QoQ
|
-0.17% |
0.26%
+1.6% YoY
|
0.20%
+3.0% YoY
|
0.32%
+4.1% YoY
|
29% |
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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 (3)
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Deposit Outflow
declineDeposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
Capital Constraint
riskStrong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.