BlastPoint's Banking Scorecard
Commencement Bank
Tacoma, WA
6 branches across WA
Commencement Bank has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 0.8% in tier
- + Net Interest Margin 0.35% above tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 12.7% in tier
- - ROA 0.31% below tier average
- - Efficiency Ratio 4.53% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (WA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$697.3M
+8.3% YoY
+2.1% QoQ
|
+$311.2M |
$386.1M
+0.5% YoY
|
$3.1B
+4.0% YoY
|
$6.2B
+9.1% YoY
|
Top 12.8% in tier |
| Total Loans ? |
$533.4M
+13.9% YoY
+3.0% QoQ
|
+$277.7M |
$255.7M
+1.1% YoY
|
$2.2B
+2.0% YoY
|
$3.2B
+10.8% YoY
|
Top 8.9% in tier |
| Total Deposits ? |
$623.5M
+7.6% YoY
+2.2% QoQ
|
+$295.6M |
$328.0M
+0.1% YoY
|
$2.5B
+4.5% YoY
|
$4.8B
+8.2% YoY
|
Top 11.0% in tier |
| Return on Assets ? |
0.96%
+17.3% YoY
-4.4% QoQ
|
-0.31% |
1.27%
+12.9% YoY
|
0.33%
-42.8% YoY
|
1.23%
+13.4% YoY
|
35% |
| Net Interest Margin ? |
4.28%
+11.6% YoY
+2.9% QoQ
|
+0.35% |
3.93%
+6.0% YoY
|
3.69%
+1.2% YoY
|
3.89%
+5.7% YoY
|
72% |
| Efficiency Ratio ? |
69.81%
-2.4% YoY
+5.5% QoQ
|
+4.53% |
65.29%
-4.5% YoY
|
71.09%
-8.1% YoY
|
66.95%
-4.1% YoY
|
33% |
| Delinquency Rate ? |
0.09%
+324.2% YoY
-63.2% QoQ
|
-0.80% |
0.89%
+18.8% YoY
|
1.35%
+102.7% YoY
|
0.95%
+18.8% YoY
|
75% |
| Loan-to-Deposit Ratio ? |
85.55%
+5.9% YoY
+0.8% QoQ
|
+8.91% |
76.64%
+0.8% YoY
|
81.10%
-2.4% YoY
|
76.70%
+0.9% YoY
|
33% |
| Non-Interest-Bearing Deposit Share ? |
30.41%
+4.6% YoY
+3.7% QoQ
|
+8.39% |
22.02%
-1.0% YoY
|
25.15%
+1.1% YoY
|
22.01%
-1.2% YoY
|
83% |
| Nonperforming Asset Ratio ? |
0.07%
+346.1% YoY
-62.9% QoQ
|
-0.57% |
0.64%
+19.7% YoY
|
0.95%
+54.5% YoY
|
0.67%
+19.3% YoY
|
75% |
| Tier 1 Capital Ratio ? |
12.36%
+0.3% YoY
+1.8% QoQ
|
-3.47% |
15.83%
+1.5% YoY
|
13.58%
+1.6% YoY
|
17.06%
+0.8% YoY
|
40% |
| Non-Interest Income / Assets ? |
0.06%
+6.0% YoY
-78.9% QoQ
|
-0.22% |
0.28%
+9.3% YoY
|
0.20%
+3.0% YoY
|
0.32%
+4.1% YoY
|
26% |
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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 (1)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (1)
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.