BlastPoint's Banking Scorecard
Seattle Bank
Designations: ✓ Community bank
Seattle, WA
2 branches across WA
Seattle Bank has 2 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 23.5% in tier
- + Efficiency Ratio 6.52% below tier average
Key Concerns
Areas that may need attention
- - Delinquency Rate 2.17% above tier average
- - Non-Interest-Bearing Deposit Share 14.99% below tier average
- - Nonperforming Asset Ratio 2.08% above tier average
- - Net Interest Margin 0.66% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (WA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.1B
+9.7% YoY
+1.8% QoQ
|
-$1.8B |
$2.8B
-0.1% YoY
|
$3.1B
+4.0% YoY
|
$6.2B
+9.1% YoY
|
Bottom 5.8% in tier |
| Total Loans ? |
$680.5M
-12.2% YoY
-17.0% QoQ
|
-$1.3B |
$2.0B
+0.6% YoY
|
$2.2B
+2.0% YoY
|
$3.2B
+10.8% YoY
|
Bottom 7.7% in tier |
| Total Deposits ? |
$946.6M
+10.6% YoY
+1.7% QoQ
|
-$1.4B |
$2.3B
-0.3% YoY
|
$2.5B
+4.5% YoY
|
$4.8B
+8.2% YoY
|
Bottom 10.9% in tier |
| Return on Assets ? |
1.37%
+423.5% QoQ
|
+0.00% |
1.37%
+19.6% YoY
|
0.33%
-42.8% YoY
|
1.23%
+13.4% YoY
|
62% |
| Net Interest Margin ? |
3.16%
-16.0% YoY
-21.8% QoQ
|
-0.66% |
3.82%
+6.9% YoY
|
3.69%
+1.2% YoY
|
3.89%
+5.7% YoY
|
23% |
| Efficiency Ratio ? |
54.54%
-38.4% YoY
-29.3% QoQ
|
-6.52% |
61.06%
-4.6% YoY
|
71.09%
-8.1% YoY
|
66.95%
-4.1% YoY
|
65% |
| Delinquency Rate ? |
3.06%
-18.2% YoY
-36.3% QoQ
|
+2.17% |
0.89%
+14.1% YoY
|
1.35%
+102.7% YoY
|
0.95%
+18.8% YoY
|
Bottom 4.1% in tier |
| Loan-to-Deposit Ratio ? |
71.89%
-20.5% YoY
-18.4% QoQ
|
-12.31% |
84.20%
+0.3% YoY
|
81.10%
-2.4% YoY
|
76.70%
+0.9% YoY
|
80% |
| Non-Interest-Bearing Deposit Share ? |
6.30%
-8.2% YoY
+5.2% QoQ
|
-14.99% |
21.29%
-2.5% YoY
|
25.15%
+1.1% YoY
|
22.01%
-1.2% YoY
|
Bottom 5.8% in tier |
| Nonperforming Asset Ratio ? |
2.76%
-56.0% YoY
-48.8% QoQ
|
+2.08% |
0.67%
+15.6% YoY
|
0.95%
+54.5% YoY
|
0.67%
+19.3% YoY
|
Bottom 3.2% in tier |
| Tier 1 Capital Ratio ? |
14.83%
+1.1% YoY
+18.2% QoQ
|
-0.33% |
15.16%
+2.0% YoY
|
13.58%
+1.6% YoY
|
17.06%
+0.8% YoY
|
72% |
| Non-Interest Income / Assets ? |
0.57%
+982.9% YoY
+360.5% QoQ
|
+0.31% |
0.26%
+1.6% YoY
|
0.20%
+3.0% YoY
|
0.32%
+4.1% YoY
|
Top 5.4% in tier |
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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 (1)
Revenue Diversifier
growthTop-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.