Raymond, WA · Cert 28266
SI · FDIC · 2 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.33% | -1.62% | -1.16% | -1.76% | -1.70% | -37 bps | |
| Return on Equity | -23.39% | -30.93% | -25.10% | -42.18% | -44.29% | -2,090 bps | |
| Net Interest Margin | 2.73% | 2.91% | 2.73% | 2.98% | 2.77% | +4 bps | |
| Efficiency Ratio | 142.40% | 150.55% | 140.00% | 148.55% | 158.88% | +1,648 bps | |
| Non-Interest Burden | 3.95% | 4.47% | 3.89% | 4.51% | 4.47% | +53 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -9.93% | -1.90% | 9.44% | 8.63% | 4.26% | +1,419 bps | |
| Loan Growth (YoY) | 1.14% | 2.53% | 2.01% | 2.07% | -2.90% | -404 bps | |
| Deposit Growth (YoY) | -2.49% | -6.61% | 10.21% | 22.64% | 22.90% | +2,539 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.17% | 0.18% | 0.15% | +15 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.60% | +60 bps | |
| Allowance / Loans | 1.04% | 1.04% | 1.05% | 1.13% | 1.00% | -3 bps | |
| Allowance Coverage of NPLs | n/a | n/a | 6.0x | 6.1x | 6.9x | n/a | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 5.48% | 4.97% | 4.50% | 3.99% | 3.61% | -187 bps | |
| Total Risk-Based Capital | 11.97% | 11.05% | 10.31% | 9.65% | 8.91% | -306 bps | |
| Equity / Assets | 5.46% | 5.00% | 4.31% | 4.02% | 3.66% | -179 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 105.90% | 106.39% | 92.78% | 84.22% | 83.67% | -2,223 bps | |
| Liquid Assets / Assets | 11.75% | 12.06% | 20.07% | 18.63% | 18.77% | +703 bps | |
| CRE / Total Capital | n/a | 59.58% | 75.48% | 81.71% | n/a | n/a | |