1st Security Bank of Washington
Mountlake Terrace, WA · Cert 57633 · Peer group: banks $1B-$10B in assets (n=322-328) · FS Bcorp Inc.
SI · FDIC · 30 branches
Q2 2026
$3.2BAssets
$2.7BLoans
$2.5BDeposits
$362.9MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 88% of banks $1B-$10B in assets (rank 41 of 328).
- Widest gap: net charge-offs / loans trails 90% of banks $1B-$10B in assets (rank 290 of 322).
- Overall: at or above the peer median on 2 of 9 directional measures.
Return on Assets
1.10%
Rank 203 of 328
Net Interest Margin
4.20%
Rank 41 of 328
Efficiency Ratio
64.94%
Rank 221 of 328
Equity / Assets
11.42%
Rank 110 of 328
Non-interest income vs. expense
Unfavorable gap of $79.1M · efficiency ratio beats 33% 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 | 1.10% | 0.91% | 1.22% | 1.52% | Beats 38% | 203 / 328 | | |
| Return on Equity | 9.62% | 8.43% | 11.45% | 14.43% | Beats 33% | 220 / 328 | | |
| Net Interest Margin | 4.20% | 3.03% | 3.45% | 3.83% | Beats 88% | 41 / 328 | | |
| Efficiency Ratio | 64.94% | 51.61% | 59.56% | 67.53% | Beats 33% | 221 / 328 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.58% | 0.24% | 0.51% | 1.03% | Beats 46% | 176 / 322 | | |
| Net Charge-Offs / Loans | 0.27% | 0.01% | 0.03% | 0.10% | Beats 10% | 290 / 322 | | |
| Capital |
| Tier 1 Capital Ratio | 12.84% | 11.75% | 13.15% | 15.47% | Beats 46% | 178 / 328 | | |
| Total Risk-Based Capital Ratio | 14.01% | 12.63% | 14.15% | 16.46% | Beats 48% | 170 / 328 | | |
| Equity / Assets | 11.42% | 9.15% | 10.33% | 12.01% | Beats 66% | 110 / 328 | | |
| Liquidity & Funding |
| Loans / Deposits | 109.14% | 76.63% | 87.92% | 95.36% | 95th pctl | 15 / 323 | | |
| Loans / Assets | 84.65% | 65.18% | 74.15% | 79.98% | 90th pctl | 34 / 328 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |