BlastPoint's Banking Scorecard

Coastal Community Bank

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

Designations: ✓ Community bank

Everett, WA

14 branches across WA

884 banks in the $1B-$10B peer group nationally 13 in WA

Coastal Community Bank has 3 strengths 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

+ Revenue Diversifier: Top 30.3% in tier
+ Net Interest Margin 3.08% above tier average
+ Efficiency Ratio 5.52% below tier average

Key Concerns

Areas that may need attention

- NIB Deposit Bleed: Bottom 16.7% in tier
- ROA 0.41% below tier average
- Delinquency Rate 0.89% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (WA)	National Avg	Tier Percentile
Total Assets ?	$5.7B +30.5% YoY +19.5% QoQ	+$2.8B	$2.8B -0.1% YoY	$3.1B +4.0% YoY	$6.2B +9.1% YoY	Top 12.0% in tier
Total Loans ?	$3.8B +12.9% YoY +4.4% QoQ	+$1.8B	$2.0B +0.6% YoY	$2.2B +2.0% YoY	$3.2B +10.8% YoY	Top 13.2% in tier
Total Deposits ?	$5.1B +32.4% YoY +21.4% QoQ	+$2.7B	$2.3B -0.3% YoY	$2.5B +4.5% YoY	$4.8B +8.2% YoY	Top 10.5% in tier
Return on Assets ?	0.96% -3.6% YoY -13.7% QoQ	-0.41%	1.37% +19.6% YoY	0.33% -42.8% YoY	1.23% +13.4% YoY	30%
Net Interest Margin ?	6.90% -12.3% YoY -8.8% QoQ	+3.08%	3.82% +6.9% YoY	3.69% +1.2% YoY	3.89% +5.7% YoY	Top 1.8% in tier
Efficiency Ratio ?	55.54% +8.7% YoY +5.4% QoQ	-5.52%	61.06% -4.6% YoY	71.09% -8.1% YoY	66.95% -4.1% YoY	62%
Delinquency Rate ?	1.77% +6.3% YoY +1.0% QoQ	+0.89%	0.89% +14.1% YoY	1.35% +102.7% YoY	0.95% +18.8% YoY	Bottom 11.4% in tier
Loan-to-Deposit Ratio ?	75.00% -14.8% YoY -14.0% QoQ	-9.21%	84.20% +0.3% YoY	81.10% -2.4% YoY	76.70% +0.9% YoY	76%
Non-Interest-Bearing Deposit Share ?	11.41% -25.2% YoY -17.8% QoQ	-9.88%	21.29% -2.5% YoY	25.15% +1.1% YoY	22.01% -1.2% YoY	15%
Nonperforming Asset Ratio ?	1.19% -8.1% YoY -11.7% QoQ	+0.52%	0.67% +15.6% YoY	0.95% +54.5% YoY	0.67% +19.3% YoY	16%
Tier 1 Capital Ratio ?	12.19% +0.5% YoY -2.5% QoQ	-2.97%	15.16% +2.0% YoY	13.58% +1.6% YoY	17.06% +0.8% YoY	35%
Non-Interest Income / Assets ?	1.16% -20.3% YoY -76.2% QoQ	+0.91%	0.26% +1.6% YoY	0.20% +3.0% YoY	0.32% +4.1% YoY	Top 2.5% in tier

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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 (1)

Revenue Diversifier

growth

#68 of 221 • Top 30.3% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 1.16%

(Tier: 0.26%, National: 0.32%)

better than tier avg

Return on Assets: 0.96%

(Tier: 1.37%, National: 1.23%)

but worse than tier avg

221 of 221 Mid-Market banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank declining

Concerns (1)

NIB Deposit Bleed

decline

#7 of 36 • Bottom 16.7% in tier

Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.

Why this signature

Noninterest-Bearing Deposit Share: 11.41%

(Tier: 21.29%, National: 22.01%)

worse than tier avg

36 of 36 Mid-Market banks match · 238 nationally

↓ Shrinking -31 banks QoQ

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 884 peers in $1B-$10B

Top Strengths (6 metrics)

Net Interest Margin

profitability

Value: 6.90%

Peer Median: 3.82%

#17 of 884 Top 1.8% in $1B-$10B

Non-Interest Income / Assets

revenue_mix

Value: 1.16%

Peer Median: 0.26%

#23 of 884 Top 2.5% in $1B-$10B

Total Deposits

size

Value: $5.08B

Peer Median: $2.34B

#94 of 884 Top 10.5% in $1B-$10B

107

Total Assets

size

Value: $5.66B

Peer Median: $2.82B

#107 of 884 Top 12.0% in $1B-$10B

118

Total Loans

size

Value: $3.81B

Peer Median: $1.96B

#118 of 884 Top 13.2% in $1B-$10B

214

Loan-to-Deposit Ratio

liquidity

Value: 75.00%

Peer Median: 84.20%

#214 of 884 Top 24.1% in $1B-$10B

Top Weaknesses (3 metrics)

781

Delinquency Rate

credit_quality

Value: 1.77%

Peer Median: 0.89%

#781 of 880 Bottom 11.4% in $1B-$10B

750

Non-Interest-Bearing Deposit Share

funding

Value: 11.41%

Peer Median: 21.29%

#750 of 884 Bottom 15.3% in $1B-$10B

747

Nonperforming Asset Ratio

credit_quality

Value: 1.19%

Peer Median: 0.67%

#747 of 884 Bottom 15.6% in $1B-$10B