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 | |