BlastPoint's Banking Scorecard
Pacific West Bank
West Linn, OR
4 branches across OR · WA
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 1.11% below tier average
- - Efficiency Ratio 26.39% above tier average
- - Delinquency Rate 2.07% above tier average
- - Nonperforming Asset Ratio 1.32% above tier average
- - Net Interest Margin 0.70% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$403.4M
+17.7% YoY
+4.5% QoQ
|
+$17.3M |
$386.1M
+0.5% YoY
|
$5.7B
+33.4% YoY
|
$6.2B
+9.1% YoY
|
62% |
| Total Loans ? |
$266.3M
+5.4% YoY
-2.6% QoQ
|
+$10.6M |
$255.7M
+1.1% YoY
|
$4.1B
+32.8% YoY
|
$3.2B
+10.8% YoY
|
62% |
| Total Deposits ? |
$359.9M
+23.8% YoY
+5.1% QoQ
|
+$32.0M |
$328.0M
+0.1% YoY
|
$4.7B
+32.1% YoY
|
$4.8B
+8.2% YoY
|
64% |
| Return on Assets ? |
0.16%
+60.8% YoY
-14.0% QoQ
|
-1.11% |
1.27%
+12.9% YoY
|
1.04%
+38.9% YoY
|
1.23%
+13.4% YoY
|
Bottom 5.7% in tier |
| Net Interest Margin ? |
3.23%
+3.2% YoY
-0.1% QoQ
|
-0.70% |
3.93%
+6.0% YoY
|
4.00%
+9.5% YoY
|
3.89%
+5.7% YoY
|
19% |
| Efficiency Ratio ? |
91.68%
-3.5% YoY
+4.4% QoQ
|
+26.39% |
65.29%
-4.5% YoY
|
68.69%
-8.8% YoY
|
66.95%
-4.1% YoY
|
Bottom 5.3% in tier |
| Delinquency Rate ? |
2.96%
+749.5% YoY
+1.5% QoQ
|
+2.07% |
0.89%
+18.8% YoY
|
0.86%
+80.8% YoY
|
0.95%
+18.8% YoY
|
Bottom 6.3% in tier |
| Loan-to-Deposit Ratio ? |
74.00%
-14.9% YoY
-7.3% QoQ
|
-2.64% |
76.64%
+0.8% YoY
|
77.62%
+0.2% YoY
|
76.70%
+0.9% YoY
|
59% |
| Non-Interest-Bearing Deposit Share ? |
22.79%
-2.6% YoY
-0.9% QoQ
|
+0.77% |
22.02%
-1.0% YoY
|
23.66%
-0.4% YoY
|
22.01%
-1.2% YoY
|
58% |
| Nonperforming Asset Ratio ? |
1.95%
+660.8% YoY
-5.3% QoQ
|
+1.32% |
0.64%
+19.7% YoY
|
0.62%
+95.5% YoY
|
0.67%
+19.3% YoY
|
Bottom 7.3% in tier |
| Tier 1 Capital Ratio ? |
9.03%
-14.1% YoY
-7.8% QoQ
|
-6.80% |
15.83%
+1.5% YoY
|
15.70%
+2.5% YoY
|
17.06%
+0.8% YoY
|
Bottom 1.0% in tier |
| Non-Interest Income / Assets ? |
0.09%
+30.3% YoY
-67.0% QoQ
|
-0.19% |
0.28%
+9.3% YoY
|
0.15%
-3.7% YoY
|
0.32%
+4.1% YoY
|
44% |
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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.