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Sound Community Bank

$1B-$10B Specialty: Commercial WA FDIC cert 57451

Designations: ✓ Community bank

Seattle, WA

9 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 885 banks in the $1B-$10B peer group nationwide — 1 of 12 in WA.
  • Deposits +3.1% year over year ($937.1M on the books).
  • Delinquency rate 0.91%.
  • Return on assets 0.87%.
  • Efficiency ratio 71.93% vs a 59.73% peer average.
  • Loan-to-deposit ratio 94.46% vs a 85.04% peer average.

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

885 banks in the $1B-$10B peer group nationally 12 in WA
View $1B-$10B leaderboard (WA) →

Sound Community Bank faces 6 concerns requiring attention

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

No key strengths identified

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 7.2% in tier
  • - Capital Thin: Bottom 14.9% in tier
  • - Flatlined Growth: Bottom 31.5% in tier
  • - ROA 0.52% below tier average
  • - Net Interest Margin 0.17% below tier average
  • - Efficiency Ratio 12.20% above tier average
Get updates when Sound Community 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 ? $1.1B
+0.7% YoY -4.1% QoQ
-$1.7B $2.8B
-0.6% YoY
$3.2B
+7.3% YoY
$6.3B
+7.7% YoY
Bottom 6.4% in tier
Total Loans ? $885.1M
-1.4% YoY -3.1% QoQ
-$1.1B $2.0B
-0.3% YoY
$2.3B
+6.2% YoY
$3.2B
+9.4% YoY
22%
Total Deposits ? $937.1M
+3.1% YoY -3.9% QoQ
-$1.4B $2.3B
-0.5% YoY
$2.6B
+6.6% YoY
$4.9B
+7.3% YoY
Bottom 11.3% in tier
Return on Assets ? 0.87%
+18.2% YoY +27.3% QoQ
-0.52% 1.39%
+17.0% YoY
0.49%
-20.7% YoY
1.30%
+12.1% YoY
21%
Net Interest Margin ? 3.70%
+2.8% YoY +4.4% QoQ
-0.17% 3.87%
+6.2% YoY
3.77%
+1.0% YoY
3.95%
+4.9% YoY
50%
Efficiency Ratio ? 71.93%
-4.2% YoY -3.9% QoQ
+12.20% 59.73%
-12.6% YoY
77.86%
+4.3% YoY
70.05%
+2.5% YoY
18%
Delinquency Rate ? 0.91%
+142.2% YoY +12.6% QoQ
+0.04% 0.87%
+11.7% YoY
2.42%
+282.9% YoY
0.98%
+16.3% YoY
31%
Loan-to-Deposit Ratio ? 94.46%
-4.4% YoY +0.8% QoQ
+9.42% 85.04%
-0.1% YoY
82.67%
-3.3% YoY
79.03%
+2.3% YoY
28%
Non-Interest-Bearing Deposit Share ? 14.46%
-1.7% YoY +2.6% QoQ
-6.81% 21.27%
-1.5% YoY
25.26%
+1.1% YoY
21.98%
-0.6% YoY
25%
Nonperforming Asset Ratio ? 0.76%
+118.9% YoY +13.0% QoQ
+0.08% 0.67%
+11.7% YoY
1.67%
+187.6% YoY
0.69%
+15.8% YoY
30%
Tier 1 Capital Ratio ? 10.93%
+3.2% YoY +2.9% QoQ
-3.91% 14.84%
-0.4% YoY
12.96%
-1.6% YoY
17.09%
+0.8% YoY
17%
Non-Interest Income / Assets ? 0.21%
+2.8% YoY +167.2% QoQ
-0.32% 0.53%
+2.5% YoY
0.42%
+15.9% YoY
0.66%
+5.2% YoY
33%

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 14.5%
-0.3pp YoY
+0.4pp QoQ
 -6.9pp 21.4% 25.3% 22.2% 25%
Brokered Deposits n/a n/a 9.5% 8.9% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (WA) National Avg Tier Percentile
C&I 1.6%
+0.2pp YoY
+0.1pp QoQ
 -12.4pp 14.0% 10.5% 12.5% 4%
CRE 50.0%
+2.1pp YoY
-1.0pp QoQ
 0.0pp 50.0% 50.6% 41.4% 50%
1-4 Family 33.0%
-1.7pp YoY
+0.4pp QoQ
 +6.5pp 26.4% 30.1% 31.3% 71%
Consumer 16.2%
-0.6pp YoY
+0.5pp QoQ
 +11.5pp 4.7% 7.9% 5.0% 93%

Capital

Metric Current vs Tier Tier Avg State Avg (WA) National Avg Tier Percentile
CET1 Ratio n/a n/a 15.6% 12.7% 19.7% n/a
Leverage Ratio 10.9%
+0.3pp YoY
+0.3pp QoQ
 -0.4pp 11.3% 10.7% 12.6% 59%
Total Capital Ratio n/a n/a 16.7% 13.8% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (WA) National Avg Tier Percentile
Full-Time Employees 112
0 YoY
+1 (+0.9%) QoQ
 -202 313 343 482 11%
Assets per Employee ($) $9.5M
+0.7% YoY
-5.0% QoQ
 -$965K $10.5M $8.5M $8.8M 61%
Branch Count 9
-1 (-10.0%) YoY
-1 (-10.0%) QoQ
 -11 20 24 18 25%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (WA) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.2% 0.4% 0.4% n/a
Nonaccrual 0.9%
+0.5pp YoY
+0.1pp QoQ
 +0.1pp 0.8% 2.6% 1.0% 71%
Allowance Coverage 1.05x
-58.7% YoY
-10.6% QoQ
 -17.66x 18.71x 4.50x 20.23x 26%
Net Charge-off Rate (YTD) 0.0%
0.0pp YoY
0.0pp QoQ
 -0.3pp 0.3% 0.4% 0.2% 32%

Profitability

Metric Current vs Tier Tier Avg State Avg (WA) National Avg Tier Percentile
ROE 8.1%
+1.4pp YoY
+1.7pp QoQ
 -4.5pp 12.6% -2.7% 11.6% 20%
Cost of Funds (YTD) 2.0%
-0.2pp YoY
0.0pp QoQ
 +0.1pp 1.9% 1.8% 1.7% 57%
Net Income ($, YTD) $4.7M
+23.9% YoY
— QoQ
 -$14.5M $19.2M $14.3M $40.4M 10%

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 (0)

No matched strength signatures this quarter

Concerns (3)

Liquidity Strain

risk
#27 of 361 • Bottom 7.2% 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: 94.46%
(Tier: 85.04%, National: 79.03%)
worse than tier avg
361 of 361 Mid-Market banks match · 1092 nationally
→ Stable +81 banks QoQ | QoQ rank improving

Capital Thin

risk
#34 of 222 • Bottom 14.9% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature
Tier 1 Capital Ratio: 10.93%
(Tier: 14.84%, National: 17.09%)
worse than tier avg
222 of 222 Mid-Market banks match · 923 nationally
→ Stable | QoQ rank improving

Flatlined Growth

risk
#52 of 162 • Bottom 31.5% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature
Return on Assets: 0.87%
(Tier: 1.39%, National: 1.30%)
worse than tier avg
162 of 162 Mid-Market banks match · 719 nationally
→ Stable +34 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 885 peers in $1B-$10B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (6 metrics)

829
Total Assets
size
Value: $1.07B
Peer Median: $2.79B
#829 of 885 Bottom 6.4% in $1B-$10B
786
Total Deposits
size
Value: $937.09M
Peer Median: $2.32B
#786 of 885 Bottom 11.3% in $1B-$10B
735
Tier 1 Capital Ratio
capital
Value: 10.93%
Peer Median: 14.84%
#735 of 885 Bottom 17.1% in $1B-$10B
729
Efficiency Ratio
profitability
Value: 71.93%
Peer Median: 59.73%
#729 of 885 Bottom 17.7% in $1B-$10B
699
Return on Assets
profitability
Value: 0.87%
Peer Median: 1.39%
#699 of 885 Bottom 21.1% in $1B-$10B
689
Total Loans
size
Value: $885.14M
Peer Median: $1.96B
#689 of 885 Bottom 22.3% in $1B-$10B
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