BlastPoint's Banking Scorecard
Pacific Crest Bank
Lynnwood, 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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 10 in WA.
- Deposits -4.0% year over year ($239.9M on the books).
- Delinquency rate 0.48%.
- Return on assets 0.59%.
- Efficiency ratio 74.06% vs a 64.48% peer average.
- Loan-to-deposit ratio 99.67% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Pacific Crest Bank has 1 strength but faces 8 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.44% below tier average
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 4.0% in tier
- - Liquidity Strain: Bottom 32.4% in tier
- - Deposit Outflow: Bottom 46.7% in tier
- - Capital Constraint: Bottom 67.3% in tier
- - Net Interest Margin 1.63% below tier average
- - Non-Interest-Bearing Deposit Share 18.61% below tier average
- - Non-Interest Income / Assets 0.56% below tier average
- - ROA 0.73% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (WA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$318.5M
-1.7% YoY
-0.1% QoQ
|
-$68.1M |
$386.6M
+1.2% YoY
|
$3.2B
+7.3% YoY
|
$6.3B
+7.7% YoY
|
49% |
| Total Loans ? |
$239.1M
+1.4% YoY
+2.7% QoQ
|
-$19.2M |
$258.3M
+1.7% YoY
|
$2.3B
+6.2% YoY
|
$3.2B
+9.4% YoY
|
57% |
| Total Deposits ? |
$239.9M
-4.0% YoY
-0.6% QoQ
|
-$86.9M |
$326.7M
+0.7% YoY
|
$2.6B
+6.6% YoY
|
$4.9B
+7.3% YoY
|
43% |
| Return on Assets ? |
0.59%
-4.5% YoY
+8.4% QoQ
|
-0.73% |
1.32%
+10.8% YoY
|
0.49%
-20.7% YoY
|
1.30%
+12.1% YoY
|
Bottom 14.8% in tier |
| Net Interest Margin ? |
2.36%
+5.4% YoY
+2.8% QoQ
|
-1.63% |
3.99%
+5.0% YoY
|
3.77%
+1.0% YoY
|
3.95%
+4.9% YoY
|
Bottom 2.2% in tier |
| Efficiency Ratio ? |
74.06%
+3.8% YoY
-2.6% QoQ
|
+9.58% |
64.48%
-3.2% YoY
|
77.86%
+4.3% YoY
|
70.05%
+2.5% YoY
|
22% |
| Delinquency Rate ? |
0.48%
-10.6% YoY
-4.6% QoQ
|
-0.44% |
0.92%
+15.7% YoY
|
2.42%
+282.9% YoY
|
0.98%
+16.3% YoY
|
47% |
| Loan-to-Deposit Ratio ? |
99.67%
+5.6% YoY
+3.3% QoQ
|
+21.72% |
77.95%
+1.0% YoY
|
82.67%
-3.3% YoY
|
79.03%
+2.3% YoY
|
Bottom 10.6% in tier |
| Non-Interest-Bearing Deposit Share ? |
3.42%
+42.6% YoY
-18.5% QoQ
|
-18.61% |
22.03%
-0.6% YoY
|
25.26%
+1.1% YoY
|
21.98%
-0.6% YoY
|
Bottom 2.3% in tier |
| Nonperforming Asset Ratio ? |
0.36%
-7.8% YoY
-2.0% QoQ
|
-0.31% |
0.67%
+16.4% YoY
|
1.67%
+187.6% YoY
|
0.69%
+15.8% YoY
|
47% |
| Tier 1 Capital Ratio ? |
14.79%
-3.3% YoY
-1.8% QoQ
|
-1.12% |
15.91%
+1.4% YoY
|
12.96%
-1.6% YoY
|
17.09%
+0.8% YoY
|
64% |
| Non-Interest Income / Assets ? |
0.01%
+137.4% YoY
+61.6% QoQ
|
-0.56% |
0.57%
+7.6% YoY
|
0.42%
+15.9% YoY
|
0.66%
+5.2% YoY
|
Bottom 0.7% in tier |
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 |
3.4%
+1.0pp YoY -0.8pp QoQ |
-18.7pp | 22.1% | 25.3% | 22.2% | 2% |
| Brokered Deposits |
10.2%
-4.0pp YoY +0.1pp QoQ |
+2.3pp | 7.9% | 8.9% | 8.5% | 76% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (WA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I | n/a | n/a | 11.6% | 10.5% | 12.5% | n/a |
| CRE |
76.7%
-1.0pp YoY -1.3pp QoQ |
+37.1pp | 39.5% | 50.6% | 41.4% | 96% |
| 1-4 Family |
20.8%
-0.5pp YoY +0.2pp QoQ |
-11.9pp | 32.6% | 30.1% | 31.3% | 32% |
| Consumer |
0.0%
0.0pp YoY 0.0pp QoQ |
-4.1pp | 4.1% | 7.9% | 5.0% | 2% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (WA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
14.8%
-0.5pp YoY -0.3pp QoQ |
-4.0pp | 18.8% | 12.7% | 19.7% | 47% |
| Leverage Ratio |
11.1%
+0.2pp YoY +0.2pp QoQ |
-1.0pp | 12.2% | 10.7% | 12.6% | 53% |
| Total Capital Ratio |
16.0%
-0.5pp YoY -0.3pp QoQ |
-3.9pp | 19.9% | 13.8% | 20.8% | 48% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (WA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
16
0 YoY 0 QoQ |
-43 | 58 | 343 | 482 | 5% |
| Assets per Employee ($) |
$19.9M
-1.7% YoY -0.1% QoQ |
+$12.4M | $7.5M | $8.5M | $8.8M | 99% |
| Branch Count |
1
0 YoY 0 QoQ |
-4 | 4 | 24 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (WA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.4% | 0.4% | n/a |
| Nonaccrual |
0.5%
-0.1pp YoY 0.0pp QoQ |
-0.5pp | 0.9% | 2.6% | 1.0% | 52% |
| Allowance Coverage |
3.29x
+10.5% YoY +2.2% QoQ |
-20.86x | 24.15x | 4.50x | 20.23x | 61% |
| Net Charge-off Rate (YTD) |
-0.0%
0.0pp YoY |
-0.1pp | 0.1% | 0.4% | 0.2% | 25% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (WA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
5.8%
-0.3pp YoY +0.3pp QoQ |
-6.4pp | 12.2% | -2.7% | 11.6% | 16% |
| Cost of Funds (YTD) |
3.0%
-0.4pp YoY 0.0pp QoQ |
+1.3pp | 1.7% | 1.8% | 1.7% | 98% |
| Net Income ($, YTD) |
$951,000
-5.2% YoY — QoQ |
-$1.6M | $2.6M | $14.3M | $40.4M | 25% |
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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 (4)
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
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.