BlastPoint's Banking Scorecard

Peoples Bank

$1B-$10B Specialty: Commercial WA FDIC cert 6158

Designations: ✓ Community bank

Bellingham, WA

23 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 885 banks in the $1B-$10B peer group nationwide — 1 of 12 in WA.
Deposits -0.7% year over year ($2.1B on the books).
Delinquency rate 0.11%.
Return on assets 0.96%.
Efficiency ratio 73.70% vs a 59.73% peer average.
Loan-to-deposit ratio 91.62% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 12 in WA

View $1B-$10B leaderboard (WA) →

Peoples 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 42.1% in tier
+ Net Interest Margin 0.19% above tier average

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 3.6% in tier
- Flatlined Growth: Bottom 30.9% in tier
- ROA 0.43% below tier average
- Efficiency Ratio 13.97% above tier average

Get updates when Peoples 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 ?	$2.4B +0.2% YoY -3.8% QoQ	-$374.9M	$2.8B -0.6% YoY	$3.2B +7.3% YoY	$6.3B +7.7% YoY	60%
Total Loans ?	$1.9B -2.5% YoY -0.7% QoQ	-$56.8M	$2.0B -0.3% YoY	$2.3B +6.2% YoY	$3.2B +9.4% YoY	65%
Total Deposits ?	$2.1B -0.7% YoY -4.6% QoQ	-$238.2M	$2.3B -0.5% YoY	$2.6B +6.6% YoY	$4.9B +7.3% YoY	61%
Return on Assets ?	0.96% +12.0% YoY +13.7% QoQ	-0.43%	1.39% +17.0% YoY	0.49% -20.7% YoY	1.30% +12.1% YoY	27%
Net Interest Margin ?	4.06% +3.5% YoY +2.3% QoQ	+0.19%	3.87% +6.2% YoY	3.77% +1.0% YoY	3.95% +4.9% YoY	72%
Efficiency Ratio ?	73.70% -0.4% YoY -2.1% QoQ	+13.97%	59.73% -12.6% YoY	77.86% +4.3% YoY	70.05% +2.5% YoY	Bottom 14.7% in tier
Delinquency Rate ?	0.11% -23.9% YoY +27.9% QoQ	-0.76%	0.87% +11.7% YoY	2.42% +282.9% YoY	0.98% +16.3% YoY	Top 13.2% in tier
Loan-to-Deposit Ratio ?	91.62% -1.8% YoY +4.1% QoQ	+6.59%	85.04% -0.1% YoY	82.67% -3.3% YoY	79.03% +2.3% YoY	36%
Non-Interest-Bearing Deposit Share ?	31.87% +2.4% YoY +3.3% QoQ	+10.60%	21.27% -1.5% YoY	25.26% +1.1% YoY	21.98% -0.6% YoY	Top 11.8% in tier
Nonperforming Asset Ratio ?	0.12% -20.7% YoY +22.8% QoQ	-0.55%	0.67% +11.7% YoY	1.67% +187.6% YoY	0.69% +15.8% YoY	82%
Tier 1 Capital Ratio ?	13.27% +5.4% YoY +5.7% QoQ	-1.57%	14.84% -0.4% YoY	12.96% -1.6% YoY	17.09% +0.8% YoY	53%
Non-Interest Income / Assets ?	0.26% +1.7% YoY +127.8% QoQ	-0.26%	0.53% +2.5% YoY	0.42% +15.9% YoY	0.66% +5.2% YoY	43%

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	31.9% +0.7pp YoY +1.0pp QoQ	+10.5pp	21.4%	25.3%	22.2%	88%
Brokered Deposits	n/a	n/a	9.5%	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	5.7% +0.2pp YoY +0.4pp QoQ	-8.3pp	14.0%	10.5%	12.5%	21%
CRE	55.6% +0.7pp YoY +0.2pp QoQ	+5.6pp	50.0%	50.6%	41.4%	65%
1-4 Family	24.3% +0.3pp YoY -0.3pp QoQ	-2.1pp	26.4%	30.1%	31.3%	53%
Consumer	9.5% +0.1pp YoY -0.1pp QoQ	+4.8pp	4.7%	7.9%	5.0%	89%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (WA)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	15.6%	12.7%	19.7%	n/a
Leverage Ratio	13.3% +0.7pp YoY +0.7pp QoQ	+2.0pp	11.3%	10.7%	12.6%	87%
Total Capital Ratio	n/a	n/a	16.7%	13.8%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (WA)	National Avg	Tier Percentile
Full-Time Employees	384 -7 (-1.8%) YoY 0 QoQ	+70	313	343	482	76%
Assets per Employee ($)	$6.3M +2.0% YoY -3.8% QoQ	-$4.2M	$10.5M	$8.5M	$8.8M	15%
Branch Count	23 0 YoY 0 QoQ	+3	20	24	18	72%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (WA)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.2%	0.4%	0.4%	n/a
Nonaccrual	0.1% 0.0pp YoY 0.0pp QoQ	-0.7pp	0.8%	2.6%	1.0%	12%
Allowance Coverage	13.88x +33.8% YoY -22.4% QoQ	-4.83x	18.71x	4.50x	20.23x	92%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.3pp	0.3%	0.4%	0.2%	19%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (WA)	National Avg	Tier Percentile
ROE	7.4% +0.5pp YoY +0.8pp QoQ	-5.2pp	12.6%	-2.7%	11.6%	18%
Cost of Funds (YTD)	1.2% 0.0pp YoY -0.1pp QoQ	-0.7pp	1.9%	1.8%	1.7%	12%
Net Income ($, YTD)	$11.8M +13.2% YoY — QoQ	-$7.4M	$19.2M	$14.3M	$40.4M	47%

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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 (1)

Credit Quality Leader

growth

#94 of 221 • Top 42.1% in tier

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

Why this signature

Delinquency Rate: 0.11%

(Tier: 0.87%, National: 0.98%)

better than tier avg

221 of 221 Mid-Market banks match · 920 nationally

→ Stable +1 banks QoQ | QoQ rank improving

Concerns (2)

Liquidity Strain

risk

#14 of 361 • Bottom 3.6% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 91.62%

(Tier: 85.04%, National: 79.03%)

worse than tier avg

361 of 361 Mid-Market banks match · 1092 nationally

→ Stable +81 banks QoQ

Flatlined Growth

risk

#51 of 162 • Bottom 30.9% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature

Return on Assets: 0.96%

(Tier: 1.39%, National: 1.30%)

worse than tier avg

162 of 162 Mid-Market banks match · 719 nationally

→ Stable +34 banks QoQ

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 885 peers in $1B-$10B

Top Strengths (3 metrics)

105

Non-Interest-Bearing Deposit Share

funding

Value: 31.87%

Peer Median: 21.27%

#105 of 885 Top 11.8% in $1B-$10B

117

Delinquency Rate

credit_quality

Value: 0.11%

Peer Median: 0.87%

#117 of 882 Top 13.2% in $1B-$10B

157

Nonperforming Asset Ratio

credit_quality

Value: 0.12%

Peer Median: 0.67%

#157 of 885 Top 17.6% in $1B-$10B

Top Weaknesses (1 metrics)

756

Efficiency Ratio

profitability

Value: 73.70%

Peer Median: 59.73%

#756 of 885 Bottom 14.7% in $1B-$10B