BlastPoint's Banking Scorecard

Coastal Community Bank

$1B-$10B Specialty: Commercial WA FDIC cert 34403

Designations: ✓ Community bank

Everett, 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 +23.9% year over year ($4.9B on the books).
Delinquency rate 2.39%.
Return on assets -1.10%.
Efficiency ratio 68.22% vs a 59.73% peer average.
Loan-to-deposit ratio 83.68% 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) →

Coastal Community Bank has 2 strengths but faces 4 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

+ Net Interest Margin 3.15% above tier average
+ Non-Interest Income / Assets 2.31% above tier average

Key Concerns

Areas that may need attention

- Return on Assets 2.49% below tier average
- Delinquency Rate 1.52% above tier average
- Nonperforming Asset Ratio 1.12% above tier average
- Efficiency Ratio 8.49% above tier average

Get updates when Coastal Community Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (WA)	National Avg	Tier Percentile
Total Assets ?	$5.5B +21.8% YoY -3.7% QoQ	+$2.7B	$2.8B -0.6% YoY	$3.2B +7.3% YoY	$6.3B +7.7% YoY	Top 12.0% in tier
Total Loans ?	$4.1B +19.4% YoY +7.6% QoQ	+$2.1B	$2.0B -0.3% YoY	$2.3B +6.2% YoY	$3.2B +9.4% YoY	Top 11.3% in tier
Total Deposits ?	$4.9B +23.9% YoY -3.5% QoQ	+$2.6B	$2.3B -0.5% YoY	$2.6B +6.6% YoY	$4.9B +7.3% YoY	Top 10.7% in tier
Return on Assets ?	-1.10% -207.6% YoY -215.4% QoQ	-2.49%	1.39% +17.0% YoY	0.49% -20.7% YoY	1.30% +12.1% YoY	Bottom 0.6% in tier
Net Interest Margin ?	7.02% -8.8% YoY +1.8% QoQ	+3.15%	3.87% +6.2% YoY	3.77% +1.0% YoY	3.95% +4.9% YoY	Top 1.7% in tier
Efficiency Ratio ?	68.22% +23.2% YoY +22.8% QoQ	+8.49%	59.73% -12.6% YoY	77.86% +4.3% YoY	70.05% +2.5% YoY	25%
Delinquency Rate ?	2.39% +34.8% YoY +34.6% QoQ	+1.52%	0.87% +11.7% YoY	2.42% +282.9% YoY	0.98% +16.3% YoY	Bottom 6.6% in tier
Loan-to-Deposit Ratio ?	83.68% -3.6% YoY +11.6% QoQ	-1.35%	85.04% -0.1% YoY	82.67% -3.3% YoY	79.03% +2.3% YoY	59%
Non-Interest-Bearing Deposit Share ?	12.51% -11.4% YoY +9.7% QoQ	-8.76%	21.27% -1.5% YoY	25.26% +1.1% YoY	21.98% -0.6% YoY	17%
Nonperforming Asset Ratio ?	1.80% +32.2% YoY +50.4% QoQ	+1.12%	0.67% +11.7% YoY	1.67% +187.6% YoY	0.69% +15.8% YoY	Bottom 7.1% in tier
Tier 1 Capital Ratio ?	10.97% -11.2% YoY -10.0% QoQ	-3.87%	14.84% -0.4% YoY	12.96% -1.6% YoY	17.09% +0.8% YoY	18%
Non-Interest Income / Assets ?	2.83% +19.1% YoY +143.2% QoQ	+2.31%	0.53% +2.5% YoY	0.42% +15.9% YoY	0.66% +5.2% YoY	Top 2.0% in tier

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	12.5% -1.6pp YoY +1.1pp QoQ	-8.9pp	21.4%	25.3%	22.2%	17%
Brokered Deposits	0.0% -11.6pp YoY 0.0pp QoQ	-9.5pp	9.5%	8.9%	8.5%	0%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (WA)	National Avg	Tier Percentile
C&I	3.6% -5.7pp YoY -0.1pp QoQ	-10.4pp	14.0%	10.5%	12.5%	12%
CRE	37.2% -6.2pp YoY -2.7pp QoQ	-12.8pp	50.0%	50.6%	41.4%	19%
1-4 Family	12.8% +0.2pp YoY -0.5pp QoQ	-13.6pp	26.4%	30.1%	31.3%	24%
Consumer	42.5% +5.7pp YoY +3.8pp QoQ	+37.8pp	4.7%	7.9%	5.0%	98%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (WA)	National Avg	Tier Percentile
CET1 Ratio	11.0% -1.4pp YoY -1.2pp QoQ	-4.6pp	15.6%	12.7%	19.7%	9%
Leverage Ratio	9.1% -1.2pp YoY -1.0pp QoQ	-2.2pp	11.3%	10.7%	12.6%	15%
Total Capital Ratio	12.3% -1.4pp YoY -1.2pp QoQ	-4.4pp	16.7%	13.8%	20.8%	13%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (WA)	National Avg	Tier Percentile
Full-Time Employees	490 -26 (-5.0%) YoY -6 (-1.2%) QoQ	+176	313	343	482	83%
Assets per Employee ($)	$11.1M +28.2% YoY -2.5% QoQ	+$645K	$10.5M	$8.5M	$8.8M	73%
Branch Count	14 0 YoY 0 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	1.5% +0.5pp YoY +0.6pp QoQ	+1.3pp	0.2%	0.4%	0.4%	97%
Nonaccrual	0.9% +0.1pp YoY 0.0pp QoQ	+0.1pp	0.8%	2.6%	1.0%	70%
Allowance Coverage	2.18x -19.4% YoY -14.4% QoQ	-16.53x	18.71x	4.50x	20.23x	52%
Net Charge-off Rate (YTD)	5.0% -0.5pp YoY -0.1pp QoQ	+4.7pp	0.3%	0.4%	0.2%	99%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (WA)	National Avg	Tier Percentile
ROE	-11.9% -21.8pp YoY -21.8pp QoQ	-24.5pp	12.6%	-2.7%	11.6%	0%
Cost of Funds (YTD)	2.3% -0.7pp YoY 0.0pp QoQ	+0.4pp	1.9%	1.8%	1.7%	78%
Net Income ($, YTD)	$-29127000.0 -231.8% YoY — QoQ	-$48.4M	$19.2M	$14.3M	$40.4M	0%

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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 885 peers in $1B-$10B

Top Strengths (5 metrics)

Net Interest Margin

profitability

Value: 7.02%

Peer Median: 3.87%

#16 of 885 Top 1.7% in $1B-$10B

Non-Interest Income / Assets

revenue_mix

Value: 2.83%

Peer Median: 0.53%

#19 of 885 Top 2.0% in $1B-$10B

Total Deposits

size

Value: $4.90B

Peer Median: $2.32B

#96 of 885 Top 10.7% in $1B-$10B

101

Total Loans

size

Value: $4.10B

Peer Median: $1.96B

#101 of 885 Top 11.3% in $1B-$10B

107

Total Assets

size

Value: $5.45B

Peer Median: $2.79B

#107 of 885 Top 12.0% in $1B-$10B

Top Weaknesses (6 metrics)

881

Return on Assets

profitability

Value: -1.10%

Peer Median: 1.39%

#881 of 885 Bottom 0.6% in $1B-$10B

825

Delinquency Rate

credit_quality

Value: 2.39%

Peer Median: 0.87%

#825 of 882 Bottom 6.6% in $1B-$10B

823

Nonperforming Asset Ratio

credit_quality

Value: 1.80%

Peer Median: 0.67%

#823 of 885 Bottom 7.1% in $1B-$10B

735

Non-Interest-Bearing Deposit Share

funding

Value: 12.51%

Peer Median: 21.27%

#735 of 885 Bottom 17.1% in $1B-$10B

731

Tier 1 Capital Ratio

capital

Value: 10.97%

Peer Median: 14.84%

#731 of 885 Bottom 17.5% in $1B-$10B

669

Efficiency Ratio

profitability

Value: 68.22%

Peer Median: 59.73%

#669 of 885 Bottom 24.5% in $1B-$10B