BlastPoint's Banking Scorecard

First Fed Bank

$1B-$10B Specialty: Commercial WA FDIC cert 28405

Designations: ✓ Community bank

Port Angeles, WA

14 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 885 banks in the $1B-$10B peer group nationwide — 1 of 12 in WA.
Deposits -2.7% year over year ($1.6B on the books).
Delinquency rate 1.30%.
Return on assets 0.20%.
Efficiency ratio 94.71% vs a 59.73% peer average.
Loan-to-deposit ratio 99.02% 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) →

First Fed Bank faces 5 concerns requiring attention

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

No key strengths identified

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 10.8% in tier
- Return on Assets 1.20% below tier average
- Efficiency Ratio 34.98% above tier average
- Net Interest Margin 0.81% below tier average
- Delinquency Rate 0.43% above tier average

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Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (WA)	National Avg	Tier Percentile
Total Assets ?	$2.1B -3.4% YoY -0.4% QoQ	-$686.7M	$2.8B -0.6% YoY	$3.2B +7.3% YoY	$6.3B +7.7% YoY	53%
Total Loans ?	$1.6B -2.9% YoY -1.0% QoQ	-$364.7M	$2.0B -0.3% YoY	$2.3B +6.2% YoY	$3.2B +9.4% YoY	57%
Total Deposits ?	$1.6B -2.7% YoY +0.2% QoQ	-$704.5M	$2.3B -0.5% YoY	$2.6B +6.6% YoY	$4.9B +7.3% YoY	49%
Return on Assets ?	0.20% +146.4% YoY +33.1% QoQ	-1.20%	1.39% +17.0% YoY	0.49% -20.7% YoY	1.30% +12.1% YoY	Bottom 2.7% in tier
Net Interest Margin ?	3.06% +6.8% YoY -0.0% QoQ	-0.81%	3.87% +6.2% YoY	3.77% +1.0% YoY	3.95% +4.9% YoY	17%
Efficiency Ratio ?	94.71% +1.4% YoY -0.9% QoQ	+34.98%	59.73% -12.6% YoY	77.86% +4.3% YoY	70.05% +2.5% YoY	Bottom 1.1% in tier
Delinquency Rate ?	1.30% +4.5% YoY -3.6% QoQ	+0.43%	0.87% +11.7% YoY	2.42% +282.9% YoY	0.98% +16.3% YoY	21%
Loan-to-Deposit Ratio ?	99.02% -0.2% YoY -1.2% QoQ	+13.99%	85.04% -0.1% YoY	82.67% -3.3% YoY	79.03% +2.3% YoY	17%
Non-Interest-Bearing Deposit Share ?	15.62% +5.9% YoY +0.7% QoQ	-5.66%	21.27% -1.5% YoY	25.26% +1.1% YoY	21.98% -0.6% YoY	30%
Nonperforming Asset Ratio ?	1.06% +6.3% YoY -3.1% QoQ	+0.38%	0.67% +11.7% YoY	1.67% +187.6% YoY	0.69% +15.8% YoY	20%
Tier 1 Capital Ratio ?	12.40% +3.1% YoY -0.2% QoQ	-2.44%	14.84% -0.4% YoY	12.96% -1.6% YoY	17.09% +0.8% YoY	40%
Non-Interest Income / Assets ?	0.18% -8.8% YoY +97.8% QoQ	-0.35%	0.53% +2.5% YoY	0.42% +15.9% YoY	0.66% +5.2% YoY	27%

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	15.6% +0.9pp YoY +0.1pp QoQ	-5.8pp	21.4%	25.3%	22.2%	30%
Brokered Deposits	3.6% -2.8pp YoY -0.3pp QoQ	-5.8pp	9.5%	8.9%	8.5%	39%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (WA)	National Avg	Tier Percentile
C&I	3.9% -0.6pp YoY +0.1pp QoQ	-10.1pp	14.0%	10.5%	12.5%	13%
CRE	44.9% -2.8pp YoY -0.3pp QoQ	-5.1pp	50.0%	50.6%	41.4%	36%
1-4 Family	29.0% -1.3pp YoY -0.6pp QoQ	+2.6pp	26.4%	30.1%	31.3%	64%
Consumer	18.4% +1.4pp YoY +0.4pp QoQ	+13.7pp	4.7%	7.9%	5.0%	95%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (WA)	National Avg	Tier Percentile
CET1 Ratio	12.4% +0.4pp YoY 0.0pp QoQ	-3.2pp	15.6%	12.7%	19.7%	31%
Leverage Ratio	9.6% +0.5pp YoY +0.1pp QoQ	-1.7pp	11.3%	10.7%	12.6%	26%
Total Capital Ratio	13.4% +0.3pp YoY -0.1pp QoQ	-3.3pp	16.7%	13.8%	20.8%	30%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (WA)	National Avg	Tier Percentile
Full-Time Employees	231 -5 (-2.1%) YoY -8 (-3.3%) QoQ	-83	313	343	482	48%
Assets per Employee ($)	$9.1M -1.3% YoY +3.0% QoQ	-$1.4M	$10.5M	$8.5M	$8.8M	56%
Branch Count	14 -1 (-6.7%) YoY -1 (-6.7%) QoQ	-6	20	24	18	46%

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	1.3% +0.1pp YoY 0.0pp QoQ	+0.5pp	0.8%	2.6%	1.0%	81%
Allowance Coverage	0.79x -12.4% YoY +1.6% QoQ	-17.92x	18.71x	4.50x	20.23x	16%
Net Charge-off Rate (YTD)	0.0% -1.1pp YoY 0.0pp QoQ	-0.2pp	0.3%	0.4%	0.2%	50%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (WA)	National Avg	Tier Percentile
ROE	2.3% +7.6pp YoY +0.6pp QoQ	-10.3pp	12.6%	-2.7%	11.6%	3%
Cost of Funds (YTD)	2.1% -0.3pp YoY 0.0pp QoQ	+0.2pp	1.9%	1.8%	1.7%	66%
Net Income ($, YTD)	$2.1M +144.7% YoY — QoQ	-$17.2M	$19.2M	$14.3M	$40.4M	4%

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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 (1)

Liquidity Strain

risk

#40 of 361 • Bottom 10.8% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 99.02%

(Tier: 85.04%, National: 79.03%)

worse than tier avg

361 of 361 Mid-Market banks match · 1092 nationally

→ Stable +81 banks QoQ | QoQ rank improving

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 (0 metrics)

No strength rankings available

Top Weaknesses (6 metrics)

876

Efficiency Ratio

profitability

Value: 94.71%

Peer Median: 59.73%

#876 of 885 Bottom 1.1% in $1B-$10B

862

Return on Assets

profitability

Value: 0.20%

Peer Median: 1.39%

#862 of 885 Bottom 2.7% in $1B-$10B

739

Loan-to-Deposit Ratio

liquidity

Value: 99.02%

Peer Median: 85.04%

#739 of 885 Bottom 16.6% in $1B-$10B

737

Net Interest Margin

profitability

Value: 3.06%

Peer Median: 3.87%

#737 of 885 Bottom 16.8% in $1B-$10B

707

Nonperforming Asset Ratio

credit_quality

Value: 1.06%

Peer Median: 0.67%

#707 of 885 Bottom 20.2% in $1B-$10B

702

Delinquency Rate

credit_quality

Value: 1.30%

Peer Median: 0.87%

#702 of 882 Bottom 20.5% in $1B-$10B