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Seattle Bank

$100M-$1B Specialty: Commercial WA FDIC cert 35139

Seattle, WA

2 branches across WA

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 10 in WA.
  • Deposits -12.3% year over year ($785.2M on the books).
  • Delinquency rate 2.87%.
  • Return on assets 0.98%.
  • Efficiency ratio 60.04% vs a 64.48% peer average.
  • Loan-to-deposit ratio 91.88% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 10 in WA
View $100M-$1B leaderboard (WA) →

Seattle Bank has 2 strengths but faces 6 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Revenue Diversifier: Top 26.3% in tier
  • + Efficiency Ratio 4.44% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 0.6% in tier
  • - Capital Constraint: Bottom 23.4% in tier
  • - Delinquency Rate 1.95% above tier average
  • - Nonperforming Asset Ratio 2.47% above tier average
  • - ROA 0.34% below tier average
  • - Net Interest Margin 0.43% below tier average
Get updates when Seattle Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (WA) National Avg Tier Percentile
Total Assets ? $891.4M
-11.8% YoY -15.4% QoQ
+$504.9M $386.6M
+1.2% YoY
$3.2B
+7.3% YoY
$6.3B
+7.7% YoY
Top 4.2% in tier
Total Loans ? $721.4M
-17.0% YoY +6.0% QoQ
+$463.1M $258.3M
+1.7% YoY
$2.3B
+6.2% YoY
$3.2B
+9.4% YoY
Top 1.7% in tier
Total Deposits ? $785.2M
-12.3% YoY -17.0% QoQ
+$458.5M $326.7M
+0.7% YoY
$2.6B
+6.6% YoY
$4.9B
+7.3% YoY
Top 2.8% in tier
Return on Assets ? 0.98%
+553.3% YoY -28.2% QoQ
-0.34% 1.32%
+10.8% YoY
0.49%
-20.7% YoY
1.30%
+12.1% YoY
32%
Net Interest Margin ? 3.56%
-10.1% YoY +12.7% QoQ
-0.43% 3.99%
+5.0% YoY
3.77%
+1.0% YoY
3.95%
+4.9% YoY
30%
Efficiency Ratio ? 60.04%
-26.0% YoY +10.1% QoQ
-4.44% 64.48%
-3.2% YoY
77.86%
+4.3% YoY
70.05%
+2.5% YoY
57%
Delinquency Rate ? 2.87%
-22.1% YoY -6.3% QoQ
+1.95% 0.92%
+15.7% YoY
2.42%
+282.9% YoY
0.98%
+16.3% YoY
Bottom 6.8% in tier
Loan-to-Deposit Ratio ? 91.88%
-5.4% YoY +27.8% QoQ
+13.93% 77.95%
+1.0% YoY
82.67%
-3.3% YoY
79.03%
+2.3% YoY
22%
Non-Interest-Bearing Deposit Share ? 12.20%
+75.9% YoY +93.7% QoQ
-9.83% 22.03%
-0.6% YoY
25.26%
+1.1% YoY
21.98%
-0.6% YoY
15%
Nonperforming Asset Ratio ? 3.14%
-42.3% YoY +13.9% QoQ
+2.47% 0.67%
+16.4% YoY
1.67%
+187.6% YoY
0.69%
+15.8% YoY
Bottom 3.0% in tier
Tier 1 Capital Ratio ? 13.25%
+8.6% YoY -10.7% QoQ
-2.66% 15.91%
+1.4% YoY
12.96%
-1.6% YoY
17.09%
+0.8% YoY
50%
Non-Interest Income / Assets ? 0.77%
+765.1% YoY +35.3% QoQ
+0.20% 0.57%
+7.6% YoY
0.42%
+15.9% YoY
0.66%
+5.2% YoY
Top 5.1% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (WA) National Avg Tier Percentile
Noninterest-Bearing 12.2%
+5.3pp YoY
+5.9pp QoQ
 -9.9pp 22.1% 25.3% 22.2% 15%
Brokered Deposits 0.0%
-15.7pp YoY
0.0pp QoQ
 -7.9pp 7.9% 8.9% 8.5% 0%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (WA) National Avg Tier Percentile
C&I 9.3%
-1.2pp YoY
-1.2pp QoQ
 -2.2pp 11.6% 10.5% 12.5% 48%
CRE 25.2%
+0.6pp YoY
-4.5pp QoQ
 -14.3pp 39.5% 50.6% 41.4% 27%
1-4 Family 27.2%
-10.4pp YoY
0.0pp QoQ
 -5.5pp 32.6% 30.1% 31.3% 45%
Consumer 36.4%
+10.4pp YoY
+5.6pp QoQ
 +32.3pp 4.1% 7.9% 5.0% 99%

Capital

Metric Current vs Tier Tier Avg State Avg (WA) National Avg Tier Percentile
CET1 Ratio 13.2%
+1.0pp YoY
-1.6pp QoQ
 -5.6pp 18.8% 12.7% 19.7% 31%
Leverage Ratio 10.3%
+0.2pp YoY
+1.1pp QoQ
 -1.9pp 12.2% 10.7% 12.6% 37%
Total Capital Ratio 14.5%
+1.0pp YoY
-1.6pp QoQ
 -5.4pp 19.9% 13.8% 20.8% 32%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (WA) National Avg Tier Percentile
Full-Time Employees 96
+1 (+1.1%) YoY
+7 (+7.9%) QoQ
 +37 58 343 482 85%
Assets per Employee ($) $9.3M
-12.7% YoY
-21.6% QoQ
 +$1.8M $7.5M $8.5M $8.8M 82%
Branch Count 2
0 YoY
0 QoQ
 -3 4 24 18 11%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (WA) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.4% 0.4% n/a
Nonaccrual 2.9%
-0.8pp YoY
-0.2pp QoQ
 +1.9pp 0.9% 2.6% 1.0% 93%
Allowance Coverage 0.72x
+8.0% YoY
-7.7% QoQ
 -23.43x 24.15x 4.50x 20.23x 18%
Net Charge-off Rate (YTD) 0.7%
-0.3pp YoY
+0.2pp QoQ
 +0.6pp 0.1% 0.4% 0.2% 96%

Profitability

Metric Current vs Tier Tier Avg State Avg (WA) National Avg Tier Percentile
ROE 10.5%
+8.9pp YoY
-4.9pp QoQ
 -1.7pp 12.2% -2.7% 11.6% 40%
Cost of Funds (YTD) 3.4%
-0.3pp YoY
-0.1pp QoQ
 +1.6pp 1.7% 1.8% 1.7% 99%
Net Income ($, YTD) $4.9M
+564.1% YoY
— QoQ
 +$2.3M $2.6M $14.3M $40.4M 87%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Revenue Diversifier

growth
#175 of 661 • Top 26.3% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature
Noninterest Income / Assets: 0.77%
(Tier: 0.57%, National: 0.66%)
better than tier avg
Return on Assets: 0.98%
(Tier: 1.32%, National: 1.30%)
but worse than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank declining

Concerns (2)

Liquidity Strain

risk
#5 of 691 • Bottom 0.6% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 91.88%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
691 of 691 Community banks match · 1092 nationally
→ Stable +81 banks QoQ

Capital Constraint

risk
#26 of 107 • Bottom 23.4% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.

Why this signature
Loan-to-Deposit Ratio: 91.88%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
Tier 1 Capital Ratio: 13.25%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
107 of 107 Community banks match · 143 nationally
→ Stable -5 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (4 metrics)

47
Total Loans
size
Value: $721.45M
Peer Median: $258.35M
#47 of 2643 Top 1.7% in $100M-$1B
75
Total Deposits
size
Value: $785.21M
Peer Median: $326.73M
#75 of 2643 Top 2.8% in $100M-$1B
112
Total Assets
size
Value: $891.45M
Peer Median: $386.57M
#112 of 2643 Top 4.2% in $100M-$1B
136
Non-Interest Income / Assets
revenue_mix
Value: 0.77%
Peer Median: 0.57%
#136 of 2643 Top 5.1% in $100M-$1B

Top Weaknesses (4 metrics)

2566
Nonperforming Asset Ratio
credit_quality
Value: 3.14%
Peer Median: 0.67%
#2566 of 2643 Bottom 3.0% in $100M-$1B
2455
Delinquency Rate
credit_quality
Value: 2.87%
Peer Median: 0.92%
#2455 of 2633 Bottom 6.8% in $100M-$1B
2246
Non-Interest-Bearing Deposit Share
funding
Value: 12.20%
Peer Median: 22.03%
#2246 of 2643 Bottom 15.1% in $100M-$1B
2051
Loan-to-Deposit Ratio
liquidity
Value: 91.88%
Peer Median: 77.95%
#2051 of 2643 Bottom 22.4% in $100M-$1B
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