BlastPoint's Banking Scorecard

Scottsdale Community Bank

$100M-$1B Specialty: Commercial AZ FDIC cert 59203

Scottsdale, AZ

2664 banks in the $100M-$1B peer group nationally 8 in AZ

Scottsdale Community Bank has 2 strengths but faces 6 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

+ Delinquency Rate 0.89% below tier average
+ Nonperforming Asset Ratio 0.64% below tier average

Key Concerns

Areas that may need attention

- NIB Deposit Bleed: Bottom 69.7% in tier
- Return on Assets 1.06% below tier average
- Efficiency Ratio 27.97% above tier average
- Loan-to-Deposit Ratio 23.15% above tier average
- Non-Interest Income / Assets 0.26% below tier average
- Net Interest Margin 0.65% below tier average

Get updates when Scottsdale Community Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (AZ)	National Avg	Tier Percentile
Total Assets ?	$117.2M +42.2% YoY +9.3% QoQ	-$268.9M	$386.1M +0.5% YoY	$17.7B +7.6% YoY	$6.2B +9.1% YoY	Bottom 5.1% in tier
Total Loans ?	$94.4M +58.6% YoY +10.9% QoQ	-$161.3M	$255.7M +1.1% YoY	$9.0B +5.4% YoY	$3.2B +10.8% YoY	18%
Total Deposits ?	$94.6M +43.6% YoY +9.3% QoQ	-$233.4M	$328.0M +0.1% YoY	$15.1B +6.7% YoY	$4.8B +8.2% YoY	Bottom 4.0% in tier
Return on Assets ?	0.21% +128.7% YoY +152.5% QoQ	-1.06%	1.27% +12.9% YoY	0.18% +147.8% YoY	1.23% +13.4% YoY	Bottom 6.5% in tier
Net Interest Margin ?	3.29% +5.5% YoY +2.4% QoQ	-0.65%	3.93% +6.0% YoY	3.92% +3.9% YoY	3.89% +5.7% YoY	21%
Efficiency Ratio ?	93.26% -20.6% YoY -14.9% QoQ	+27.97%	65.29% -4.5% YoY	84.95% -15.7% YoY	66.95% -4.1% YoY	Bottom 4.7% in tier
Delinquency Rate ?	0.00%	-0.89%	0.89% +18.8% YoY	1.32% +84.0% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	99.79% +10.4% YoY +1.5% QoQ	+23.15%	76.64% +0.8% YoY	80.55% -0.2% YoY	76.70% +0.9% YoY	Bottom 8.7% in tier
Non-Interest-Bearing Deposit Share ?	14.16% -14.7% YoY +1.9% QoQ	-7.86%	22.02% -1.0% YoY	23.51% -4.3% YoY	22.01% -1.2% YoY	21%
Nonperforming Asset Ratio ?	0.00%	-0.64%	0.64% +19.7% YoY	0.94% +70.0% YoY	0.67% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	12.15% -32.7% YoY -8.1% QoQ	-3.68%	15.83% +1.5% YoY	14.90% -16.6% YoY	17.06% +0.8% YoY	37%
Non-Interest Income / Assets ?	0.02% +27.9% YoY -64.1% QoQ	-0.26%	0.28% +9.3% YoY	0.12% +2.6% YoY	0.32% +4.1% YoY	Bottom 3.3% in tier

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 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 (0)

No matched strength signatures this quarter

Concerns (1)

NIB Deposit Bleed

decline

#139 of 198 • Bottom 69.7% in tier

Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.

Why this signature

Noninterest-Bearing Deposit Share: 14.16%

(Tier: 22.02%, National: 22.01%)

worse than tier avg

198 of 198 Community banks match · 238 nationally

↓ Shrinking -31 banks QoQ | QoQ rank declining

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).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (2 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.89%

#1 of 2654 Top 0.1% in $100M-$1B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.64%

#1 of 2664 Top 0.1% in $100M-$1B

Top Weaknesses (9 metrics)

2577

Non-Interest Income / Assets

revenue_mix

Value: 0.02%

Peer Median: 0.28%

#2577 of 2664 Bottom 3.3% in $100M-$1B

2559

Total Deposits

size

Value: $94.58M

Peer Median: $327.97M

#2559 of 2664 Bottom 4.0% in $100M-$1B

2540

Efficiency Ratio

profitability

Value: 93.26%

Peer Median: 65.29%

#2540 of 2664 Bottom 4.7% in $100M-$1B

2529

Total Assets

size

Value: $117.21M

Peer Median: $386.08M

#2529 of 2664 Bottom 5.1% in $100M-$1B

2492

Return on Assets

profitability

Value: 0.21%

Peer Median: 1.27%

#2492 of 2664 Bottom 6.5% in $100M-$1B

2434

Loan-to-Deposit Ratio

liquidity

Value: 99.79%

Peer Median: 76.64%

#2434 of 2664 Bottom 8.7% in $100M-$1B

2195

Total Loans

size

Value: $94.38M

Peer Median: $255.72M

#2195 of 2664 Bottom 17.6% in $100M-$1B

2106

Non-Interest-Bearing Deposit Share

funding

Value: 14.16%

Peer Median: 22.02%

#2106 of 2664 Bottom 21.0% in $100M-$1B

2106

Net Interest Margin

profitability

Value: 3.29%

Peer Median: 3.93%

#2106 of 2664 Bottom 21.0% in $100M-$1B