BlastPoint's Banking Scorecard

Twin City Bank

$100M-$1B Specialty: Commercial WA FDIC cert 35261

Longview, WA

2664 banks in the $100M-$1B peer group nationally 10 in WA

Twin City Bank has 3 strengths but faces 2 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

+ Delinquency Rate 0.89% below tier average
+ Non-Interest-Bearing Deposit Share 13.49% above tier average
+ Net Interest Margin 0.24% above tier average

Key Concerns

Areas that may need attention

- ROA 0.58% below tier average
- Efficiency Ratio 12.57% above tier average

Get updates when Twin City Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (WA)	National Avg	Tier Percentile
Total Assets ?	$114.6M +62.0% YoY +40.6% QoQ	-$271.5M	$386.1M +0.5% YoY	$3.1B +4.0% YoY	$6.2B +9.1% YoY	Bottom 4.4% in tier
Total Loans ?	$55.4M +26.0% YoY +6.5% QoQ	-$200.3M	$255.7M +1.1% YoY	$2.2B +2.0% YoY	$3.2B +10.8% YoY	Bottom 4.0% in tier
Total Deposits ?	$99.5M +58.9% YoY +54.5% QoQ	-$228.4M	$328.0M +0.1% YoY	$2.5B +4.5% YoY	$4.8B +8.2% YoY	Bottom 5.6% in tier
Return on Assets ?	0.69% +25.5% YoY -21.2% QoQ	-0.58%	1.27% +12.9% YoY	0.33% -42.8% YoY	1.23% +13.4% YoY	21%
Net Interest Margin ?	4.17% -6.1% YoY -7.6% QoQ	+0.24%	3.93% +6.0% YoY	3.69% +1.2% YoY	3.89% +5.7% YoY	66%
Efficiency Ratio ?	77.85% -4.4% YoY +5.3% QoQ	+12.57%	65.29% -4.5% YoY	71.09% -8.1% YoY	66.95% -4.1% YoY	18%
Delinquency Rate ?	0.00% -100.0% YoY	-0.89%	0.89% +18.8% YoY	1.35% +102.7% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	55.67% -20.7% YoY -31.1% QoQ	-20.97%	76.64% +0.8% YoY	81.10% -2.4% YoY	76.70% +0.9% YoY	Top 14.2% in tier
Non-Interest-Bearing Deposit Share ?	35.51% -34.8% YoY -34.9% QoQ	+13.49%	22.02% -1.0% YoY	25.15% +1.1% YoY	22.01% -1.2% YoY	Top 9.3% in tier
Nonperforming Asset Ratio ?	0.37% -55.2% YoY -28.9% QoQ	-0.27%	0.64% +19.7% YoY	0.95% +54.5% YoY	0.67% +19.3% YoY	45%
Tier 1 Capital Ratio ?	15.02% +42.8% YoY -24.1% QoQ	-0.81%	15.83% +1.5% YoY	13.58% +1.6% YoY	17.06% +0.8% YoY	66%
Non-Interest Income / Assets ?	0.19% -32.9% YoY -82.0% QoQ	-0.09%	0.28% +9.3% YoY	0.20% +3.0% YoY	0.32% +4.1% YoY	83%

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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 2664 peers in $100M-$1B

Top Strengths (4 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.89%

#1 of 2654 Top 0.1% in $100M-$1B

249

Non-Interest-Bearing Deposit Share

funding

Value: 35.51%

Peer Median: 22.02%

#249 of 2664 Top 9.3% in $100M-$1B

380

Loan-to-Deposit Ratio

liquidity

Value: 55.67%

Peer Median: 76.64%

#380 of 2664 Top 14.2% in $100M-$1B

456

Non-Interest Income / Assets

revenue_mix

Value: 0.19%

Peer Median: 0.28%

#456 of 2664 Top 17.1% in $100M-$1B

Top Weaknesses (5 metrics)

2559

Total Loans

size

Value: $55.41M

Peer Median: $255.72M

#2559 of 2664 Bottom 4.0% in $100M-$1B

2549

Total Assets

size

Value: $114.58M

Peer Median: $386.08M

#2549 of 2664 Bottom 4.4% in $100M-$1B

2516

Total Deposits

size

Value: $99.53M

Peer Median: $327.97M

#2516 of 2664 Bottom 5.6% in $100M-$1B

2180

Efficiency Ratio

profitability

Value: 77.85%

Peer Median: 65.29%

#2180 of 2664 Bottom 18.2% in $100M-$1B

2118

Return on Assets

profitability

Value: 0.69%

Peer Median: 1.27%

#2118 of 2664 Bottom 20.5% in $100M-$1B