BlastPoint's Banking Scorecard
Scottsdale Community Bank
$100M-$1B
Specialty: Commercial
AZ
FDIC cert 59203
Scottsdale, AZ
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 8 in AZ.
- Deposits +45.7% year over year ($99.7M on the books).
- Delinquency rate 2.69%.
- Return on assets 0.28%.
- Efficiency ratio 91.17% vs a 64.48% peer average.
- Loan-to-deposit ratio 101.49% 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
8 in AZ
View $100M-$1B leaderboard (AZ) →
Scottsdale Community Bank faces 7 concerns requiring attention
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
No key strengths identified
Key Concerns
Areas that may need attention
- - Return on Assets 1.04% below tier average
- - Efficiency Ratio 26.69% above tier average
- - Delinquency Rate 1.78% above tier average
- - Loan-to-Deposit Ratio 23.54% above tier average
- - Nonperforming Asset Ratio 1.51% above tier average
- - Non-Interest Income / Assets 0.53% below tier average
- - Net Interest Margin 0.76% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (AZ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$125.2M
+37.4% YoY
+6.8% QoQ
|
-$261.3M |
$386.6M
+1.2% YoY
|
$17.4B
+6.1% YoY
|
$6.3B
+7.7% YoY
|
Bottom 7.1% in tier |
| Total Loans ? |
$101.2M
+51.4% YoY
+7.2% QoQ
|
-$157.1M |
$258.3M
+1.7% YoY
|
$9.3B
+8.2% YoY
|
$3.2B
+9.4% YoY
|
19% |
| Total Deposits ? |
$99.7M
+45.7% YoY
+5.4% QoQ
|
-$227.0M |
$326.7M
+0.7% YoY
|
$14.8B
+6.2% YoY
|
$4.9B
+7.3% YoY
|
Bottom 5.3% in tier |
| Return on Assets ? |
0.28%
+146.9% YoY
+37.8% QoQ
|
-1.04% |
1.32%
+10.8% YoY
|
0.35%
+477.8% YoY
|
1.30%
+12.1% YoY
|
Bottom 7.0% in tier |
| Net Interest Margin ? |
3.23%
+0.8% YoY
-1.8% QoQ
|
-0.76% |
3.99%
+5.0% YoY
|
3.96%
+2.3% YoY
|
3.95%
+4.9% YoY
|
17% |
| Efficiency Ratio ? |
91.17%
-20.5% YoY
-2.7% QoQ
|
+26.69% |
64.48%
-3.2% YoY
|
81.56%
-13.3% YoY
|
70.05%
+2.5% YoY
|
Bottom 5.0% in tier |
| Delinquency Rate ? | 2.69% | +1.78% |
0.92%
+15.7% YoY
|
1.46%
+76.6% YoY
|
0.98%
+16.3% YoY
|
Bottom 7.6% in tier |
| Loan-to-Deposit Ratio ? |
101.49%
+4.0% YoY
+1.7% QoQ
|
+23.54% |
77.95%
+1.0% YoY
|
84.92%
+5.8% YoY
|
79.03%
+2.3% YoY
|
Bottom 8.4% in tier |
| Non-Interest-Bearing Deposit Share ? |
14.30%
-3.7% YoY
+1.0% QoQ
|
-7.73% |
22.03%
-0.6% YoY
|
24.29%
+4.4% YoY
|
21.98%
-0.6% YoY
|
22% |
| Nonperforming Asset Ratio ? | 2.18% | +1.51% |
0.67%
+16.4% YoY
|
1.10%
+71.6% YoY
|
0.69%
+15.8% YoY
|
Bottom 6.2% in tier |
| Tier 1 Capital Ratio ? |
11.37%
-28.1% YoY
-6.4% QoQ
|
-4.53% |
15.91%
+1.4% YoY
|
14.82%
-13.7% YoY
|
17.09%
+0.8% YoY
|
28% |
| Non-Interest Income / Assets ? |
0.03%
+32.9% YoY
+96.6% QoQ
|
-0.53% |
0.57%
+7.6% YoY
|
0.29%
-0.6% YoY
|
0.66%
+5.2% YoY
|
Bottom 3.0% in tier |
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 (AZ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
14.3%
-0.5pp YoY +0.1pp QoQ |
-7.9pp | 22.1% | 24.3% | 22.2% | 21% |
| Brokered Deposits |
17.1%
+15.6pp YoY +4.9pp QoQ |
+9.2pp | 7.9% | 7.6% | 8.5% | 88% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (AZ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
10.7%
+0.2pp YoY -1.0pp QoQ |
-0.8pp | 11.6% | 20.4% | 12.5% | 57% |
| CRE |
26.5%
+0.7pp QoQ |
-13.0pp | 39.5% | 53.9% | 41.4% | 29% |
| 1-4 Family |
62.7%
-3.3pp YoY +0.1pp QoQ |
+30.1pp | 32.6% | 22.4% | 31.3% | 91% |
| Consumer |
0.5%
-0.1pp YoY -0.1pp QoQ |
-3.6pp | 4.1% | 11.3% | 5.0% | 15% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (AZ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 16.6% | 19.7% | n/a |
| Leverage Ratio |
11.4%
-4.5pp YoY -0.8pp QoQ |
-0.8pp | 12.2% | 11.4% | 12.6% | 56% |
| Total Capital Ratio | n/a | n/a | 19.9% | 17.8% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (AZ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
13
+1 (+8.3%) YoY 0 QoQ |
-46 | 58 | 1,366 | 482 | 2% |
| Assets per Employee ($) |
$9.6M
+26.8% YoY +6.8% QoQ |
+$2.1M | $7.5M | $9.6M | $8.8M | 84% |
| Branch Count |
1
0 YoY 0 QoQ |
-4 | 4 | 6 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (AZ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | 2.7% | +2.4pp | 0.3% | 1.2% | 0.4% | 99% |
| Nonaccrual | n/a | n/a | 0.9% | 1.5% | 1.0% | n/a |
| Allowance Coverage | 0.26x | -23.89x | 24.15x | 2.94x | 20.23x | 2% |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.1% | 0.6% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (AZ) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
2.5%
+6.4pp YoY +0.8pp QoQ |
-9.7pp | 12.2% | 4.1% | 11.6% | 7% |
| Cost of Funds (YTD) |
2.8%
0.0pp YoY 0.0pp QoQ |
+1.1pp | 1.7% | 1.9% | 1.7% | 96% |
| Net Income ($, YTD) |
$166,000
+165.9% YoY — QoQ |
-$2.4M | $2.6M | $88.2M | $40.4M | 5% |
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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 (0)
No matched concern signatures this quarter
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).
Top Strengths (0 metrics)
No strength rankings available
Top Weaknesses (11 metrics)
2564
Non-Interest Income / Assets
revenue_mix
Value:
0.03%
Peer Median: 0.57%
#2564 of 2643
Bottom 3.0% in $100M-$1B
2511
Efficiency Ratio
profitability
Value:
91.17%
Peer Median: 64.48%
#2511 of 2643
Bottom 5.0% in $100M-$1B
2504
Total Deposits
size
Value:
$99.72M
Peer Median: $326.73M
#2504 of 2643
Bottom 5.3% in $100M-$1B
2481
Nonperforming Asset Ratio
credit_quality
Value:
2.18%
Peer Median: 0.67%
#2481 of 2643
Bottom 6.2% in $100M-$1B
2458
Return on Assets
profitability
Value:
0.28%
Peer Median: 1.32%
#2458 of 2643
Bottom 7.0% in $100M-$1B
2456
Total Assets
size
Value:
$125.22M
Peer Median: $386.57M
#2456 of 2643
Bottom 7.1% in $100M-$1B
2435
Delinquency Rate
credit_quality
Value:
2.69%
Peer Median: 0.92%
#2435 of 2633
Bottom 7.6% in $100M-$1B
2423
Loan-to-Deposit Ratio
liquidity
Value:
101.49%
Peer Median: 77.95%
#2423 of 2643
Bottom 8.4% in $100M-$1B
2199
Net Interest Margin
profitability
Value:
3.23%
Peer Median: 3.99%
#2199 of 2643
Bottom 16.8% in $100M-$1B
2135
Total Loans
size
Value:
$101.20M
Peer Median: $258.35M
#2135 of 2643
Bottom 19.3% in $100M-$1B