1st Security Bank of Washington: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 7.08 percentage points higher than in Q1 2026, at 109.14%. Among 29 Washington banks, 1st Security Bank of Washington sits 2nd from the top on loan-to-deposit ratio, 109.14% as of Q2 2026. 1st Security Bank of Washington reported 109.14% on loan-to-deposit ratio for Q2 2026, 20.94 points above the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $2.69B |
| Net loans and leases | $2.66B |
| Loans held for sale | $30.5M |
| Loans to total assets | 84.65% |
| Loan-to-deposit ratio | 109.14% |
| Net loans to equity capital | 7.33% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 14.34% |
| Multifamily (5+ residential) | 9.74% |
| Commercial and industrial | 7.78% |
| Consumer | 21.30% |
| Credit cards | 0.03% |
| Farm | 0.14% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 223.94% |
| Construction concentration (Tier 1 capital + allowance) | 105.26% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.86% |
| Interest income on loans | $46.2M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $2.42B | $2.48B | 15.57% | 7.02% | 26.39% |
| Q4 2023 | $2.46B | $2.54B | 15.44% | 7.11% | 26.30% |
| Q1 2024 | $2.50B | $2.49B | 14.97% | 7.80% | 25.87% |
| Q2 2024 | $2.54B | $2.40B | 14.84% | 7.81% | 25.24% |
| Q3 2024 | $2.54B | $2.45B | 14.32% | 8.82% | 24.85% |
| Q4 2024 | $2.56B | $2.36B | 13.96% | 8.37% | 24.20% |
| Q1 2025 | $2.56B | $2.63B | 13.77% | 7.70% | 23.74% |
| Q2 2025 | $2.67B | $2.57B | 13.81% | 7.86% | 22.72% |
| Q3 2025 | $2.67B | $2.70B | 13.91% | 7.80% | 22.51% |
| Q4 2025 | $2.70B | $2.69B | 13.62% | 8.11% | 22.12% |
| Q1 2026 | $2.71B | $2.66B | 14.62% | 7.86% | 21.50% |
| Q2 2026 | $2.69B | $2.47B | 14.34% | 7.78% | 21.30% |
1st Security Bank of Washington loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock 1st Security Bank of Washington, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full 1st Security Bank of Washington profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57633) · FFIEC NIC profile (RSSD 1018927)