| Metric | Seattle Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -11.8% | +4.9% | -16.7 pts |
| Deposit growth (YoY) | -12.3% | +4.3% | -16.7 pts |
| Loan growth (YoY) | -17.0% | +5.3% | -22.4 pts |
| ROA | 0.98% | 1.28% | -0.3 pts |
| ROE | 10.5% | 12.4% | -2.0 pts |
ROA ranks in the 30th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $891.4M | $785.2M | $721.4M | $93.9M | $4.9M | 0.98% | 3.56% | 3.14% |
| Q1 2026 | $1.05B | $946.6M | $680.5M | $94.2M | $3.6M | 1.37% | 3.16% | 2.76% |
| Q4 2025 | $1.04B | $931.1M | $819.9M | $91.8M | $2.6M | 0.26% | 4.04% | 5.39% |
| Q3 2025 | $1.01B | $903.7M | $863.6M | $92.2M | $1.8M | 0.25% | 4.08% | 5.33% |
| Q2 2025 | $1.01B | $895.6M | $869.6M | $92.3M | $735K | 0.15% | 3.96% | 5.44% |
| Q1 2025 | $961.1M | $856.2M | $774.6M | $93.5M | $27K | 0.01% | 3.76% | 6.28% |
| Q4 2024 | $961.2M | $853.8M | $764.7M | $95.0M | $3.3M | 0.36% | 4.75% | 6.89% |
| Q3 2024 | $953.8M | $845.4M | $728.8M | $95.8M | $2.4M | 0.35% | 4.95% | 7.16% |
Loan mix (Q2 2026): real estate $377.9M · commercial $67.3M · consumer $262.7M · securities $28.3M
| Ratio | Seattle Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.98% | 1.28% | 30th | |
Return on equity Annualized net income ÷ equity or net worth | 10.5% | 12.4% | 35th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.56% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 60.0% | 61.2% | 47th |
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% |
| Ratio | Seattle Bank | 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% |
| Ratio | Seattle Bank | 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% |
| Ratio | Seattle Bank | 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% |
| Ratio | Seattle Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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