Sound Community Bank
Seattle, WA · Cert 57451 · Peer group: banks $1B-$10B in assets (n=322-328) · Sound Financial Bcorp Inc.
State charter, non-member · FDIC · 9 branches
Q2 2026
$1.1BAssets
$893.6MLoans
$937.1MDeposits
$117.1MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 77% of banks $1B-$10B in assets (rank 74 of 322).
- Widest gap: total risk-based capital ratio trails 92% of banks $1B-$10B in assets (rank 301 of 328).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
0.89%
Rank 253 of 328
Net Interest Margin
3.57%
Rank 136 of 328
Efficiency Ratio
71.93%
Rank 276 of 328
Equity / Assets
10.98%
Rank 130 of 328
Non-interest income vs. expense
Unfavorable gap of $26.2M · efficiency ratio beats 16% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.89% | 0.91% | 1.22% | 1.52% | Beats 23% | 253 / 328 | |
| Return on Equity | 8.08% | 8.43% | 11.45% | 14.43% | Beats 21% | 258 / 328 | |
| Net Interest Margin | 3.57% | 3.03% | 3.45% | 3.83% | Beats 59% | 136 / 328 | |
| Efficiency Ratio | 71.93% | 51.61% | 59.56% | 67.53% | Beats 16% | 276 / 328 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.90% | 0.24% | 0.51% | 1.03% | Beats 29% | 231 / 322 | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.03% | 0.10% | Beats 77% | 74 / 322 | |
| Capital |
| Tier 1 Capital Ratio | 10.93% | 11.75% | 13.15% | 15.47% | Beats 13% | 285 / 328 | |
| Total Risk-Based Capital Ratio | 10.93% | 12.63% | 14.15% | 16.46% | Beats 8% | 301 / 328 | |
| Equity / Assets | 10.98% | 9.15% | 10.33% | 12.01% | Beats 60% | 130 / 328 | |
| Liquidity & Funding |
| Loans / Deposits | 95.36% | 76.63% | 87.92% | 95.36% | 75th pctl | 81 / 323 | |
| Loans / Assets | 83.83% | 65.18% | 74.15% | 79.98% | 87th pctl | 42 / 328 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |