First Savings Bank of Renton
Renton, WA · Cert 29058 · Peer group: banks $1B-$10B in assets (n=289-295)
FDIC · 15 branches
Q1 2025
$1.4BAssets
$1.2BLoans
$1.2BDeposits
$155.7MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 91% of banks $1B-$10B in assets (rank 27 of 289).
- Widest gap: efficiency ratio trails 97% of banks $1B-$10B in assets (rank 286 of 293).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
0.05%
Rank 283 of 295
Net Interest Margin
2.36%
Rank 262 of 295
Efficiency Ratio
96.18%
Rank 286 of 293
Equity / Assets
10.81%
Rank 101 of 295
Non-interest income vs. expense
Unfavorable gap of $32.7M · efficiency ratio beats 3% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.05% | 0.66% | 0.99% | 1.28% | Beats 4% | 283 / 295 | n/a | |
| Return on Equity | 0.48% | 6.86% | 10.32% | 12.56% | Beats 4% | 283 / 295 | n/a | |
| Net Interest Margin | 2.36% | 2.78% | 3.17% | 3.67% | Beats 11% | 262 / 295 | n/a | |
| Efficiency Ratio | 96.18% | 55.64% | 64.40% | 72.15% | Beats 3% | 286 / 293 | n/a | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.03% | 0.14% | 0.43% | 0.88% | Beats 91% | 27 / 289 | n/a | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.01% | 0.03% | Beats 51% | 144 / 289 | n/a | |
| Capital |
| Tier 1 Capital Ratio | 15.40% | 11.30% | 12.70% | 14.80% | Beats 79% | 62 / 295 | n/a | |
| Total Risk-Based Capital Ratio | 16.65% | 12.21% | 13.57% | 15.83% | Beats 81% | 56 / 295 | n/a | |
| Equity / Assets | 10.81% | 8.74% | 9.92% | 11.39% | Beats 66% | 101 / 295 | n/a | |
| Liquidity & Funding |
| Loans / Deposits | 98.97% | 77.01% | 86.08% | 94.78% | 87th pctl | 37 / 290 | n/a | |
| Loans / Assets | 80.37% | 65.46% | 73.72% | 80.10% | 75th pctl | 71 / 289 | n/a | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |