BlastPoint's Banking Scorecard

Increase Bank

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

Longview, 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 +111.9% year over year ($135.4M on the books).
Delinquency rate 0.00%.
Return on assets 0.39%.
Efficiency ratio 84.78% vs a 64.48% peer average.
Loan-to-deposit ratio 45.45% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 10 in WA

View $100M-$1B leaderboard (WA) →

Increase Bank has 1 strength 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

+ Credit Quality Leader: Top 44.9% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 16.9% in tier
- Return on Assets 0.93% below tier average

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Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (WA)	National Avg	Tier Percentile
Total Assets ?	$150.7M +107.7% YoY +31.5% QoQ	-$235.9M	$386.6M +1.2% YoY	$3.2B +7.3% YoY	$6.3B +7.7% YoY	Bottom 14.2% in tier
Total Loans ?	$61.5M +35.2% YoY +11.0% QoQ	-$196.8M	$258.3M +1.7% YoY	$2.3B +6.2% YoY	$3.2B +9.4% YoY	Bottom 4.9% in tier
Total Deposits ?	$135.4M +111.9% YoY +36.0% QoQ	-$191.4M	$326.7M +0.7% YoY	$2.6B +6.6% YoY	$4.9B +7.3% YoY	17%
Return on Assets ?	0.39% -35.7% YoY -43.6% QoQ	-0.93%	1.32% +10.8% YoY	0.49% -20.7% YoY	1.30% +12.1% YoY	Bottom 9.5% in tier
Net Interest Margin ?	3.98% -10.4% YoY -4.6% QoQ	-0.01%	3.99% +5.0% YoY	3.77% +1.0% YoY	3.95% +4.9% YoY	52%
Efficiency Ratio ?	84.78% +7.6% YoY +8.9% QoQ	+20.30%	64.48% -3.2% YoY	77.86% +4.3% YoY	70.05% +2.5% YoY	Bottom 9.1% in tier
Delinquency Rate ?	0.00%	-0.92%	0.92% +15.7% YoY	2.42% +282.9% YoY	0.98% +16.3% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	45.45% -36.2% YoY -18.4% QoQ	-32.50%	77.95% +1.0% YoY	82.67% -3.3% YoY	79.03% +2.3% YoY	Top 6.2% in tier
Non-Interest-Bearing Deposit Share ?	31.85% -39.1% YoY -10.3% QoQ	+9.82%	22.03% -0.6% YoY	25.26% +1.1% YoY	21.98% -0.6% YoY	Top 14.7% in tier
Nonperforming Asset Ratio ?	0.24% -59.2% YoY -35.6% QoQ	-0.43%	0.67% +16.4% YoY	1.67% +187.6% YoY	0.69% +15.8% YoY	57%
Tier 1 Capital Ratio ?	9.57% -10.2% YoY -36.3% QoQ	-6.34%	15.91% +1.4% YoY	12.96% -1.6% YoY	17.09% +0.8% YoY	Bottom 5.7% in tier
Non-Interest Income / Assets ?	0.23% -57.7% YoY +24.1% QoQ	-0.34%	0.57% +7.6% YoY	0.42% +15.9% YoY	0.66% +5.2% YoY	59%

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	31.9% -20.5pp YoY -3.7pp QoQ	+9.7pp	22.1%	25.3%	22.2%	85%
Brokered Deposits	51.4% +51.4pp YoY +51.4pp QoQ	+43.6pp	7.9%	8.9%	8.5%	99%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (WA)	National Avg	Tier Percentile
C&I	29.5% -0.6pp YoY +0.8pp QoQ	+17.9pp	11.6%	10.5%	12.5%	96%
CRE	46.9% -1.9pp YoY -0.8pp QoQ	+7.4pp	39.5%	50.6%	41.4%	65%
1-4 Family	14.5% -5.9pp YoY -2.4pp QoQ	-18.2pp	32.6%	30.1%	31.3%	18%
Consumer	7.9% +7.7pp YoY +2.7pp QoQ	+3.8pp	4.1%	7.9%	5.0%	88%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (WA)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	18.8%	12.7%	19.7%	n/a
Leverage Ratio	9.6% -1.1pp YoY -5.4pp QoQ	-2.6pp	12.2%	10.7%	12.6%	23%
Total Capital Ratio	n/a	n/a	19.9%	13.8%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (WA)	National Avg	Tier Percentile
Full-Time Employees	19 +6 (+46.2%) YoY +3 (+18.8%) QoQ	-40	58	343	482	9%
Assets per Employee ($)	$7.9M +42.1% YoY +10.7% QoQ	+$411K	$7.5M	$8.5M	$8.8M	67%
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	n/a	n/a	0.9%	2.6%	1.0%	n/a
Allowance Coverage	n/a	n/a	24.15x	4.50x	20.23x	n/a
Net Charge-off Rate (YTD)	-0.0% -0.7pp YoY 0.0pp QoQ	-0.2pp	0.1%	0.4%	0.2%	21%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (WA)	National Avg	Tier Percentile
ROE	3.1% -4.0pp YoY -1.6pp QoQ	-9.0pp	12.2%	-2.7%	11.6%	8%
Cost of Funds (YTD)	1.4% +1.0pp YoY +0.6pp QoQ	-0.3pp	1.7%	1.8%	1.7%	29%
Net Income ($, YTD)	$226,000 +4.6% YoY — QoQ	-$2.3M	$2.6M	$14.3M	$40.4M	6%

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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)

Credit Quality Leader

growth

#297 of 659 • Top 44.9% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature

Delinquency Rate: 0.00%

(Tier: 0.92%, National: 0.98%)

better than tier avg

659 of 659 Community banks match · 920 nationally

→ Stable +1 banks QoQ | QoQ rank improving

Concerns (1)

Efficiency Drag

risk

#62 of 361 • Bottom 16.9% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature

Efficiency Ratio: 84.78%

(Tier: 64.48%, National: 70.05%)

worse than tier avg

361 of 361 Community banks match · 426 nationally

↓ Shrinking -64 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 2643 peers in $100M-$1B

Top Strengths (3 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.92%

#1 of 2633 Top 0.1% in $100M-$1B

165

Loan-to-Deposit Ratio

liquidity

Value: 45.45%

Peer Median: 77.95%

#165 of 2643 Top 6.2% in $100M-$1B

389

Non-Interest-Bearing Deposit Share

funding

Value: 31.85%

Peer Median: 22.03%

#389 of 2643 Top 14.7% in $100M-$1B

Top Weaknesses (6 metrics)

2514

Total Loans

size

Value: $61.53M

Peer Median: $258.35M

#2514 of 2643 Bottom 4.9% in $100M-$1B

2493

Tier 1 Capital Ratio

capital

Value: 9.57%

Peer Median: 15.91%

#2493 of 2643 Bottom 5.7% in $100M-$1B

2404

Efficiency Ratio

profitability

Value: 84.78%

Peer Median: 64.48%

#2404 of 2643 Bottom 9.1% in $100M-$1B

2392

Return on Assets

profitability

Value: 0.39%

Peer Median: 1.32%

#2392 of 2643 Bottom 9.5% in $100M-$1B

2270

Total Assets

size

Value: $150.65M

Peer Median: $386.57M

#2270 of 2643 Bottom 14.2% in $100M-$1B

2197

Total Deposits

size

Value: $135.36M

Peer Median: $326.73M

#2197 of 2643 Bottom 16.9% in $100M-$1B