Lakewood, WA · Cert 33183
State charter, non-member · FDIC · 1 branch
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets (n=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
63
Asset Quality
67
Profitability
91
Liquidity
23
Efficiency
69
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Lakewood, WA · Cert 33183
State charter, non-member · FDIC · 1 branch
Q2 2026
Market Position · Seattle-Tacoma-Bellevue, WA · 2026 SOD (annual) · 0.0% share · #38 of 43 inst. · $0.0B of $143.1B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.74% | 1.40% | 1.50% | 1.95% | 1.95% | 1.49% | 1.84% | 1.98% | +3 bps | |
| Return on Equity | 14.38% | 11.73% | 13.49% | 17.88% | 17.77% | 13.29% | 14.21% | 15.70% | -218 bps | |
| Net Interest Margin | 4.97% | 4.86% | 5.09% | 5.79% | 5.82% | 5.95% | 5.84% | 5.97% | +17 bps | |
| Efficiency Ratio | 61.33% | 69.45% | 64.26% | 57.76% | 57.66% | 68.90% | 63.49% | 61.35% | +359 bps | |
| Non-Interest Burden | 2.90% | 3.25% | 3.13% | 3.18% | 3.17% | 3.93% | 3.53% | 3.48% | +30 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.72% | 7.13% | 10.58% | 15.53% | 2.90% | -4.30% | -18.50% | -12.14% | -2,766 bps | |
| Loan Growth (YoY) | 0.30% | -1.46% | 1.69% | 4.27% | 3.82% | 6.35% | -5.47% | -1.95% | -622 bps | |
| Deposit Growth (YoY) | 0.16% | 13.84% | 12.73% | 17.81% | 3.12% | -5.22% | -21.17% | -13.73% | -3,155 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.05% | 0.04% | 0.04% | 0.04% | 0.04% | 0.04% | 0.00% | -4 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.07% | +7 bps | |
| Allowance / Loans | 1.65% | 1.70% | 1.66% | 1.60% | 1.59% | 1.60% | 1.75% | 1.60% | 0 bps | |
| Allowance Coverage of NPLs | n/a | 31.7x | 37.3x | 37.3x | 39.6x | 42.3x | 42.3x | n/a | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 11.44% | 10.54% | 11.68% | 11.30% | 12.08% | 11.94% | 13.06% | 12.08% | +78 bps | |
| Total Risk-Based Capital | 15.28% | 15.51% | 16.04% | 15.06% | 15.35% | 15.38% | 18.10% | 16.52% | +146 bps | |
| Equity / Assets | 11.26% | 11.41% | 10.91% | 10.51% | 11.03% | 12.18% | 13.71% | 12.02% | +151 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 86.37% | 88.56% | 82.77% | 86.35% | 86.95% | 99.36% | 99.25% | 98.14% | +1,179 bps | |
| Liquid Assets / Assets | 13.74% | 11.08% | 16.27% | 13.07% | 13.34% | 1.20% | 2.65% | 2.62% | -1,045 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 383% | 393% | 340% | n/a | n/a | |
Lakewood, WA · Cert 33183 · Peer group: banks under $1B in assets (n=581-629)
State charter, non-member · FDIC · 1 branch
Q2 2026
Return on Assets
1.95%
Rank 80 of 629
Net Interest Margin
5.97%
Rank 6 of 629
Efficiency Ratio
61.35%
Rank 196 of 629
Equity / Assets
12.02%
Rank 226 of 629
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.95% | 0.60% | 1.01% | 1.45% | Beats 87% | 80 / 629 | ||
| Return on Equity | 16.19% | 5.38% | 9.30% | 13.28% | Beats 87% | 80 / 629 | ||
| Net Interest Margin | 5.97% | 3.03% | 3.54% | 4.05% | Beats 99% | 6 / 629 | ||
| Efficiency Ratio | 61.35% | 58.35% | 67.79% | 79.08% | Beats 69% | 196 / 629 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.00% | 0.09% | 0.46% | 1.20% | Beats 100% | 81 / 581 | ||
| Net Charge-Offs / Loans | 0.03% | n/a | 0.01% | 0.06% | Beats 34% | 385 / 581 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 15.27% | 11.24% | 13.84% | 18.77% | Beats 62% | 240 / 629 | ||
| Total Risk-Based Capital Ratio | 16.52% | 11.58% | 14.43% | 19.66% | Beats 64% | 225 / 629 | ||
| Equity / Assets | 12.02% | 9.09% | 10.65% | 13.80% | Beats 64% | 226 / 629 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 98.14% | 67.24% | 80.90% | 93.48% | 83rd pctl | 103 / 594 | ||
| Loans / Assets | 85.98% | 53.31% | 67.71% | 78.15% | 95th pctl | 34 / 629 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||