1st Security Bank of Washington
Total assets
$3.18B
▲ +0.1% YoY
Deposits
$2.47B
▼ -4.0% YoY
Loans
$2.66B
▲ +0.9% YoY
Offices
34
FS BCORP INC
ROA (annualized)
1.09%
peers 1.26%
ROE (annualized)
9.81%
peers 12.17%
Peer comparison 887 banks with 1B-10B in assets
| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.1% | +5.5% | -5.4 pts |
| Deposit growth (YoY) | -4.0% | +5.1% | -9.0 pts |
| Loan growth (YoY) | +0.9% | +5.9% | -5.0 pts |
| ROA | 1.09% | 1.26% | -0.2 pts |
| ROE | 9.8% | 12.2% | -2.4 pts |
ROA ranks in the 36th percentile of its peer group · Q2 2026
Profile
- Established
- 2004
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- FS BCORP INC
- Specialization
- Commercial Lending Specialization
- Address
- 6920 220th St Sw, Mountlake Terrace, WA, 98043
- County
- Snohomish
- Metro area
- Seattle-Tacoma-Bellevue, WA
- Offices
- 34
- FDIC cert #
- 57633
- RSSD ID
- 1018927
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $3.18B | $2.47B | $2.66B | $362.9M | $17.4M | 1.09% | 4.46% | 0.49% |
| Q1 2026 | $3.20B | $2.66B | $2.68B | $355.0M | $8.6M | 1.08% | 4.42% | 0.57% |
| Q4 2025 | $3.20B | $2.69B | $2.67B | $349.5M | $35.6M | 1.14% | 4.49% | 0.59% |
| Q3 2025 | $3.21B | $2.70B | $2.64B | $347.2M | $26.5M | 1.13% | 4.47% | 0.57% |
| Q2 2025 | $3.18B | $2.57B | $2.64B | $344.9M | $16.7M | 1.08% | 4.42% | 0.60% |
| Q1 2025 | $3.07B | $2.63B | $2.53B | $342.5M | $8.5M | 1.11% | 4.41% | 0.47% |
| Q4 2024 | $3.03B | $2.36B | $2.53B | $336.6M | $36.9M | 1.24% | 4.47% | 0.45% |
| Q3 2024 | $2.97B | $2.45B | $2.51B | $331.3M | $29.1M | 1.31% | 4.47% | 0.36% |
Loan mix (Q2 2026): real estate $1.88B · commercial $209.4M · consumer $573.1M · securities $304.3M
Ratio pack Q2 2026 · peer medians from 887 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.09% | 1.26% | 36th | |
Return on equity Annualized net income ÷ equity or net worth | 9.8% | 12.2% | 31th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.46% | 3.70% | 86th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 63.1% | 59.0% | 63th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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