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1st Security Bank of Washington

$1B-$10B Specialty: Commercial WA FDIC cert 57633

Designations: ✓ Community bank

Mountlake Terrace, WA

31 branches across WA · OR

884 banks in the $1B-$10B peer group nationally 13 in WA
View $1B-$10B leaderboard (WA) →

1st Security Bank of Washington has 2 strengths but faces 3 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

  • + Net Interest Margin 0.60% above tier average
  • + Delinquency Rate 0.21% below tier average

Key Concerns

Areas that may need attention

  • - Credit Risk Growth: Bottom 26.0% in tier
  • - ROA 0.29% below tier average
  • - Efficiency Ratio 2.10% above tier average
Get updates when 1st Security Bank of Washington releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (WA) National Avg Tier Percentile
Total Assets ? $3.2B
+4.5% YoY +0.2% QoQ
+$387.7M $2.8B
-0.1% YoY
$3.1B
+4.0% YoY
$6.2B
+9.1% YoY
73%
Total Loans ? $2.7B
+5.9% YoY +0.5% QoQ
+$715.6M $2.0B
+0.6% YoY
$2.2B
+2.0% YoY
$3.2B
+10.8% YoY
79%
Total Deposits ? $2.7B
+1.0% YoY -1.2% QoQ
+$314.7M $2.3B
-0.3% YoY
$2.5B
+4.5% YoY
$4.8B
+8.2% YoY
73%
Return on Assets ? 1.08%
-3.5% YoY -5.4% QoQ
-0.29% 1.37%
+19.6% YoY
0.33%
-42.8% YoY
1.23%
+13.4% YoY
38%
Net Interest Margin ? 4.42%
+0.3% YoY -1.6% QoQ
+0.60% 3.82%
+6.9% YoY
3.69%
+1.2% YoY
3.89%
+5.7% YoY
Top 14.0% in tier
Efficiency Ratio ? 63.16%
-4.2% YoY -0.1% QoQ
+2.10% 61.06%
-4.6% YoY
71.09%
-8.1% YoY
66.95%
-4.1% YoY
40%
Delinquency Rate ? 0.68%
+19.3% YoY -3.0% QoQ
-0.21% 0.89%
+14.1% YoY
1.35%
+102.7% YoY
0.95%
+18.8% YoY
41%
Loan-to-Deposit Ratio ? 100.84%
+4.8% YoY +1.8% QoQ
+16.64% 84.20%
+0.3% YoY
81.10%
-2.4% YoY
76.70%
+0.9% YoY
Bottom 11.8% in tier
Non-Interest-Bearing Deposit Share ? 25.36%
-3.8% YoY +1.0% QoQ
+4.07% 21.29%
-2.5% YoY
25.15%
+1.1% YoY
22.01%
-1.2% YoY
72%
Nonperforming Asset Ratio ? 0.57%
+20.8% YoY -2.8% QoQ
-0.10% 0.67%
+15.6% YoY
0.95%
+54.5% YoY
0.67%
+19.3% YoY
39%
Tier 1 Capital Ratio ? 12.59%
-4.5% YoY -1.0% QoQ
-2.57% 15.16%
+2.0% YoY
13.58%
+1.6% YoY
17.06%
+0.8% YoY
41%
Non-Interest Income / Assets ? 0.16%
-3.6% YoY -76.6% QoQ
-0.10% 0.26%
+1.6% YoY
0.20%
+3.0% YoY
0.32%
+4.1% YoY
57%

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 (1)

Credit Risk Growth

risk
#110 of 420 • Bottom 26.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

420 of 420 Mid-Market banks match · 1464 nationally
→ Stable -10 banks QoQ | QoQ rank improving

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 884 peers in $1B-$10B

Top Strengths (2 metrics)

125
Net Interest Margin
profitability
Value: 4.42%
Peer Median: 3.82%
#125 of 884 Top 14.0% in $1B-$10B
189
Total Loans
size
Value: $2.68B
Peer Median: $1.96B
#189 of 884 Top 21.3% in $1B-$10B

Top Weaknesses (1 metrics)

781
Loan-to-Deposit Ratio
liquidity
Value: 100.84%
Peer Median: 84.20%
#781 of 884 Bottom 11.8% in $1B-$10B
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