BlastPoint's Banking Scorecard
Pacific West Bank
West Linn, OR
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 11 in OR.
- Deposits +19.1% year over year ($379.8M on the books).
- Delinquency rate 3.01%.
- Return on assets 0.30%.
- Efficiency ratio 86.73% vs a 64.48% peer average.
- Loan-to-deposit ratio 68.82% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Pacific West Bank faces 5 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Return on Assets 1.02% below tier average
- - Efficiency Ratio 22.25% above tier average
- - Delinquency Rate 2.10% above tier average
- - Nonperforming Asset Ratio 1.20% above tier average
- - Net Interest Margin 0.89% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (OR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$420.7M
+16.4% YoY
+4.3% QoQ
|
+$34.2M |
$386.6M
+1.2% YoY
|
$5.7B
+22.7% YoY
|
$6.3B
+7.7% YoY
|
64% |
| Total Loans ? |
$261.4M
+1.5% YoY
-1.9% QoQ
|
+$3.0M |
$258.3M
+1.7% YoY
|
$4.0B
+22.6% YoY
|
$3.2B
+9.4% YoY
|
61% |
| Total Deposits ? |
$379.8M
+19.1% YoY
+5.5% QoQ
|
+$53.1M |
$326.7M
+0.7% YoY
|
$4.6B
+21.5% YoY
|
$4.9B
+7.3% YoY
|
67% |
| Return on Assets ? |
0.30%
+144.0% YoY
+91.3% QoQ
|
-1.02% |
1.32%
+10.8% YoY
|
1.08%
+20.6% YoY
|
1.30%
+12.1% YoY
|
Bottom 7.4% in tier |
| Net Interest Margin ? |
3.09%
-1.4% YoY
-4.3% QoQ
|
-0.89% |
3.99%
+5.0% YoY
|
4.07%
+6.4% YoY
|
3.95%
+4.9% YoY
|
Bottom 12.5% in tier |
| Efficiency Ratio ? |
86.73%
-5.5% YoY
-5.4% QoQ
|
+22.25% |
64.48%
-3.2% YoY
|
67.33%
-5.7% YoY
|
70.05%
+2.5% YoY
|
Bottom 8.0% in tier |
| Delinquency Rate ? |
3.01%
-8.0% YoY
+1.9% QoQ
|
+2.10% |
0.92%
+15.7% YoY
|
0.89%
+33.0% YoY
|
0.98%
+16.3% YoY
|
Bottom 6.2% in tier |
| Loan-to-Deposit Ratio ? |
68.82%
-14.8% YoY
-7.0% QoQ
|
-9.13% |
77.95%
+1.0% YoY
|
79.79%
+0.1% YoY
|
79.03%
+2.3% YoY
|
71% |
| Non-Interest-Bearing Deposit Share ? |
21.33%
-4.5% YoY
-6.4% QoQ
|
-0.70% |
22.03%
-0.6% YoY
|
23.65%
+0.1% YoY
|
21.98%
-0.6% YoY
|
51% |
| Nonperforming Asset Ratio ? |
1.87%
-19.8% YoY
-4.1% QoQ
|
+1.20% |
0.67%
+16.4% YoY
|
0.61%
+33.6% YoY
|
0.69%
+15.8% YoY
|
Bottom 8.4% in tier |
| Tier 1 Capital Ratio ? |
9.14%
-10.0% YoY
+1.1% QoQ
|
-6.77% |
15.91%
+1.4% YoY
|
15.47%
+2.0% YoY
|
17.09%
+0.8% YoY
|
Bottom 1.9% in tier |
| Non-Interest Income / Assets ? |
0.23%
+76.6% YoY
+167.8% QoQ
|
-0.34% |
0.57%
+7.6% YoY
|
0.29%
-8.1% YoY
|
0.66%
+5.2% YoY
|
59% |
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 (OR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
21.3%
-1.0pp YoY -1.5pp QoQ |
-0.8pp | 22.1% | 23.6% | 22.2% | 51% |
| Brokered Deposits |
0.5%
-0.1pp YoY 0.0pp QoQ |
-7.3pp | 7.9% | 2.9% | 8.5% | 12% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (OR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
12.2%
-1.8pp YoY +0.1pp QoQ |
+0.6pp | 11.6% | 11.0% | 12.5% | 64% |
| CRE |
72.2%
+1.6pp YoY -0.3pp QoQ |
+32.7pp | 39.5% | 62.1% | 41.4% | 94% |
| 1-4 Family |
8.8%
+1.2pp YoY -0.1pp QoQ |
-23.9pp | 32.6% | 17.1% | 31.3% | 9% |
| Consumer |
7.5%
-0.8pp YoY +0.2pp QoQ |
+3.4pp | 4.1% | 1.0% | 5.0% | 87% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (OR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 18.9% | 19.7% | n/a |
| Leverage Ratio |
9.1%
-1.0pp YoY +0.1pp QoQ |
-3.0pp | 12.2% | 12.5% | 12.6% | 14% |
| Total Capital Ratio | n/a | n/a | 19.9% | 20.0% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (OR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
41
-1 (-2.4%) YoY -1 (-2.4%) QoQ |
-18 | 58 | 526 | 482 | 42% |
| Assets per Employee ($) |
$10.3M
+19.2% YoY +6.9% QoQ |
+$2.7M | $7.5M | $7.4M | $8.8M | 87% |
| Branch Count |
4
0 YoY 0 QoQ |
-1 | 4 | 35 | 18 | 42% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (OR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.1% | 0.4% | n/a |
| Nonaccrual |
3.0%
-0.3pp YoY +0.1pp QoQ |
+2.1pp | 0.9% | 0.9% | 1.0% | 94% |
| Allowance Coverage |
0.42x
+19.7% YoY -0.1% QoQ |
-23.74x | 24.15x | 7.38x | 20.23x | 7% |
| Net Charge-off Rate (YTD) |
-0.0%
-0.6pp YoY 0.0pp QoQ |
-0.2pp | 0.1% | 0.1% | 0.2% | 20% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (OR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
3.4%
+2.2pp YoY +1.7pp QoQ |
-8.8pp | 12.2% | 9.1% | 11.6% | 9% |
| Cost of Funds (YTD) |
2.2%
-0.2pp YoY 0.0pp QoQ |
+0.5pp | 1.7% | 1.3% | 1.7% | 80% |
| Net Income ($, YTD) |
$606,000
+185.8% YoY — QoQ |
-$1.9M | $2.6M | $35.5M | $40.4M | 13% |
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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 (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.