1st Security Bank of Washington: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks 1st Security Bank of Washington of Mountlake Terrace, WA against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.11% | 1.46% | -0.35% | 37th below |
| ROAE | 9.86% | 12.72% | -2.86% | 31st below |
| Net Interest Margin | 4.42% | 3.85% | +0.57% | 86th top |
| Efficiency Ratio | 62.78% | 57.40% | +5.38% | 36th below |
| PPNR / Avg Assets Behind the peer average, ahead of the median peer. | 1.73% | 1.88% | -0.15% | 51st above |
| Yield on Earning Assets | 6.54% | 5.72% | +0.82% | 90th top |
| Cost of Funds | 2.30% | 2.02% | +0.28% | 30th below |
| Net Interest Spread | 3.53% | 3.18% | +0.35% | 78th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.65% | 1.00% | -0.35% | 48th below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.55% | 0.76% | -0.21% | 45th below |
| NCO / Avg Loans | 0.57% | 0.43% | +0.14% | 8th bottom |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.16% | 1.31% | -0.15% | 51st above |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 179.06% | 543.81% | -364.75% | 50th above |
| Texas Ratio | 4.56% | 7.39% | -2.83% | 53rd above |
| Provision / NCO | 87.08% | 619.38% | -532.30% | 28th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 12.84% | 17.34% | -4.50% | 39th below |
| Tier 1 Ratio | 12.84% | 17.37% | -4.53% | 39th below |
| Total Capital Ratio | 14.01% | 18.43% | -4.42% | 40th below |
| Leverage Ratio | 11.44% | 11.44% | +0.00% | 68th above |
| Equity / Assets | 11.42% | 11.33% | +0.09% | 67th above |
| TCE / Tangible Assets | 11.06% | 10.50% | +0.56% | 72nd above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 109.14% | 86.93% | +22.21% | 5th bottom |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 88.37% | 85.55% | +2.82% | 49th below |
| Uninsured Deposit Ratio | 29.18% | 33.13% | -3.95% | 57th above |
| Wholesale Funding Ratio | 10.21% | 5.70% | +4.51% | 15th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 0.09% | 9.69% | -9.60% | 16th bottom |
| Loan Growth (Y/Y) | 0.85% | 8.06% | -7.21% | 21st bottom |
| Deposit Growth (Y/Y) | -3.96% | 7.88% | -11.84% | 6th bottom |
See 1st Security Bank of Washington's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock 1st Security Bank of Washington, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full 1st Security Bank of Washington profile, how to read a UBPR, or how this data updates.