BlastPoint's Banking Scorecard
Sound Community Bank
Designations: ✓ Community bank
Seattle, WA
9 branches across WA
Sound Community Bank has 1 strength but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.08% below tier average
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 18.6% in tier
- - Capital Thin: Bottom 27.2% in tier
- - ROA 0.68% below tier average
- - Net Interest Margin 0.27% below tier average
- - Efficiency Ratio 13.79% above 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
+4.0% YoY
+1.8% QoQ
|
-$1.7B |
$2.8B
-0.1% YoY
|
$3.1B
+4.0% YoY
|
$6.2B
+9.1% YoY
|
Bottom 10.3% in tier |
| Total Loans ? |
$913.2M
+3.8% YoY
+1.7% QoQ
|
-$1.1B |
$2.0B
+0.6% YoY
|
$2.2B
+2.0% YoY
|
$3.2B
+10.8% YoY
|
26% |
| Total Deposits ? |
$974.8M
+6.0% YoY
+2.2% QoQ
|
-$1.4B |
$2.3B
-0.3% YoY
|
$2.5B
+4.5% YoY
|
$4.8B
+8.2% YoY
|
Bottom 13.1% in tier |
| Return on Assets ? |
0.68%
+19.8% YoY
-14.0% QoQ
|
-0.68% |
1.37%
+19.6% YoY
|
0.33%
-42.8% YoY
|
1.23%
+13.4% YoY
|
16% |
| Net Interest Margin ? |
3.55%
+4.7% YoY
-0.9% QoQ
|
-0.27% |
3.82%
+6.9% YoY
|
3.69%
+1.2% YoY
|
3.89%
+5.7% YoY
|
44% |
| Efficiency Ratio ? |
74.85%
-7.9% YoY
+2.8% QoQ
|
+13.79% |
61.06%
-4.6% YoY
|
71.09%
-8.1% YoY
|
66.95%
-4.1% YoY
|
Bottom 14.9% in tier |
| Delinquency Rate ? |
0.81%
-26.4% YoY
+25.4% QoQ
|
-0.08% |
0.89%
+14.1% YoY
|
1.35%
+102.7% YoY
|
0.95%
+18.8% YoY
|
35% |
| Loan-to-Deposit Ratio ? |
93.68%
-2.1% YoY
-0.4% QoQ
|
+9.48% |
84.20%
+0.3% YoY
|
81.10%
-2.4% YoY
|
76.70%
+0.9% YoY
|
27% |
| Non-Interest-Bearing Deposit Share ? |
14.09%
-3.5% YoY
-2.5% QoQ
|
-7.20% |
21.29%
-2.5% YoY
|
25.15%
+1.1% YoY
|
22.01%
-1.2% YoY
|
24% |
| Nonperforming Asset Ratio ? |
0.67%
-25.8% YoY
+19.9% QoQ
|
+0.00% |
0.67%
+15.6% YoY
|
0.95%
+54.5% YoY
|
0.67%
+19.3% YoY
|
32% |
| Tier 1 Capital Ratio ? |
10.62%
-1.2% YoY
-2.8% QoQ
|
-4.54% |
15.16%
+2.0% YoY
|
13.58%
+1.6% YoY
|
17.06%
+0.8% YoY
|
Bottom 11.1% in tier |
| Non-Interest Income / Assets ? |
0.08%
-22.2% YoY
-77.6% QoQ
|
-0.18% |
0.26%
+1.6% YoY
|
0.20%
+3.0% YoY
|
0.32%
+4.1% YoY
|
22% |
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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 (2)
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.