BlastPoint

BlastPoint's Banking Scorecard

Commencement Bank

$100M-$1B Specialty: Commercial WA FDIC cert 58446

Tacoma, WA

6 branches across 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 +10.0% year over year ($660.2M on the books).
  • Delinquency rate 0.09%.
  • Return on assets 0.99%.
  • Efficiency ratio 68.49% vs a 64.48% peer average.
  • Loan-to-deposit ratio 83.32% 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) →

Commencement Bank has 2 strengths but faces 4 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 0.3% in tier
  • + Net Interest Margin 0.29% above tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 14.7% in tier
  • - Credit Risk Growth: Bottom 37.3% in tier
  • - ROA 0.33% below tier average
  • - Efficiency Ratio 4.02% above tier average
Get updates when Commencement Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (WA) National Avg Tier Percentile
Total Assets ? $739.6M
+8.5% YoY +6.1% QoQ
+$353.0M $386.6M
+1.2% YoY
$3.2B
+7.3% YoY
$6.3B
+7.7% YoY
Top 10.5% in tier
Total Loans ? $550.0M
+8.7% YoY +3.1% QoQ
+$291.7M $258.3M
+1.7% YoY
$2.3B
+6.2% YoY
$3.2B
+9.4% YoY
Top 8.0% in tier
Total Deposits ? $660.2M
+10.0% YoY +5.9% QoQ
+$333.4M $326.7M
+0.7% YoY
$2.6B
+6.6% YoY
$4.9B
+7.3% YoY
Top 8.9% in tier
Return on Assets ? 0.99%
+16.0% YoY +2.9% QoQ
-0.33% 1.32%
+10.8% YoY
0.49%
-20.7% YoY
1.30%
+12.1% YoY
33%
Net Interest Margin ? 4.28%
+9.6% YoY -0.2% QoQ
+0.29% 3.99%
+5.0% YoY
3.77%
+1.0% YoY
3.95%
+4.9% YoY
69%
Efficiency Ratio ? 68.49%
-1.1% YoY -1.9% QoQ
+4.02% 64.48%
-3.2% YoY
77.86%
+4.3% YoY
70.05%
+2.5% YoY
34%
Delinquency Rate ? 0.09%
-3.0% QoQ
-0.83% 0.92%
+15.7% YoY
2.42%
+282.9% YoY
0.98%
+16.3% YoY
75%
Loan-to-Deposit Ratio ? 83.32%
-1.2% YoY -2.6% QoQ
+5.36% 77.95%
+1.0% YoY
82.67%
-3.3% YoY
79.03%
+2.3% YoY
42%
Non-Interest-Bearing Deposit Share ? 30.25%
+11.3% YoY -0.5% QoQ
+8.22% 22.03%
-0.6% YoY
25.26%
+1.1% YoY
21.98%
-0.6% YoY
83%
Nonperforming Asset Ratio ? 0.07%
-5.7% QoQ
-0.60% 0.67%
+16.4% YoY
1.67%
+187.6% YoY
0.69%
+15.8% YoY
76%
Tier 1 Capital Ratio ? 12.95%
+11.0% YoY +4.8% QoQ
-2.96% 15.91%
+1.4% YoY
12.96%
-1.6% YoY
17.09%
+0.8% YoY
47%
Non-Interest Income / Assets ? 0.12%
-15.6% YoY +94.2% QoQ
-0.45% 0.57%
+7.6% YoY
0.42%
+15.9% YoY
0.66%
+5.2% YoY
24%

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 30.3%
+3.1pp YoY
-0.2pp QoQ
 +8.1pp 22.1% 25.3% 22.2% 82%
Brokered Deposits n/a n/a 7.9% 8.9% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (WA) National Avg Tier Percentile
C&I 22.8%
+0.4pp YoY
-1.0pp QoQ
 +11.3pp 11.6% 10.5% 12.5% 91%
CRE 58.4%
-2.8pp YoY
+0.4pp QoQ
 +18.9pp 39.5% 50.6% 41.4% 82%
1-4 Family 15.0%
+2.4pp YoY
+1.0pp QoQ
 -17.6pp 32.6% 30.1% 31.3% 19%
Consumer 0.7%
-0.2pp YoY
-0.1pp QoQ
 -3.4pp 4.1% 7.9% 5.0% 22%

Capital

Metric Current vs Tier Tier Avg State Avg (WA) National Avg Tier Percentile
CET1 Ratio 12.9%
+1.3pp YoY
+0.6pp QoQ
 -5.9pp 18.8% 12.7% 19.7% 27%
Leverage Ratio 10.3%
+0.7pp YoY
+0.6pp QoQ
 -1.9pp 12.2% 10.7% 12.6% 38%
Total Capital Ratio 14.2%
+1.3pp YoY
+0.6pp QoQ
 -5.8pp 19.9% 13.8% 20.8% 28%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (WA) National Avg Tier Percentile
Full-Time Employees 83
+7 (+9.2%) YoY
+4 (+5.1%) QoQ
 +24 58 343 482 79%
Assets per Employee ($) $8.9M
-0.6% YoY
+1.0% QoQ
 +$1.4M $7.5M $8.5M $8.8M 78%
Branch Count 6
0 YoY
0 QoQ
 +1 4 24 18 66%

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 0.1%
0.0pp QoQ
 -0.8pp 0.9% 2.6% 1.0% 17%
Allowance Coverage 13.42x
+3.2% QoQ
 -10.74x 24.15x 4.50x 20.23x 85%
Net Charge-off Rate (YTD) 0.0%
+0.1pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.4% 0.2% 66%

Profitability

Metric Current vs Tier Tier Avg State Avg (WA) National Avg Tier Percentile
ROE 11.1%
+0.5pp YoY
+0.2pp QoQ
 -1.1pp 12.2% -2.7% 11.6% 44%
Cost of Funds (YTD) 1.3%
-0.2pp YoY
0.0pp QoQ
 -0.4pp 1.7% 1.8% 1.7% 24%
Net Income ($, YTD) $3.5M
+24.5% YoY
— QoQ
 +$944K $2.6M $14.3M $40.4M 76%

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
#3 of 659 • Top 0.3% in tier

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

Why this signature
Delinquency Rate: 0.09%
(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 (2)

Credit Quality Pressure

risk
#185 of 1256 • Bottom 14.7% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.09%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank declining

Credit Risk Growth

risk
#350 of 936 • Bottom 37.3% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally
→ Stable -58 banks QoQ | QoQ rank improving

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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (6 metrics)

213
Total Loans
size
Value: $550.02M
Peer Median: $258.35M
#213 of 2643 Top 8.0% in $100M-$1B
236
Total Deposits
size
Value: $660.17M
Peer Median: $326.73M
#236 of 2643 Top 8.9% in $100M-$1B
278
Total Assets
size
Value: $739.60M
Peer Median: $386.57M
#278 of 2643 Top 10.5% in $100M-$1B
459
Non-Interest-Bearing Deposit Share
funding
Value: 30.25%
Peer Median: 22.03%
#459 of 2643 Top 17.3% in $100M-$1B
628
Nonperforming Asset Ratio
credit_quality
Value: 0.07%
Peer Median: 0.67%
#628 of 2643 Top 23.7% in $100M-$1B
647
Delinquency Rate
credit_quality
Value: 0.09%
Peer Median: 0.92%
#647 of 2633 Top 24.5% in $100M-$1B

Top Weaknesses (1 metrics)

2003
Non-Interest Income / Assets
revenue_mix
Value: 0.12%
Peer Median: 0.57%
#2003 of 2643 Bottom 24.3% in $100M-$1B
Powered by BlastPoint © 2026