COMMENCEMENT BANK

TACOMA, WA | Medium | Est. Dec. 11, 2006, midnight | FDIC #58446 | RSSD #3537897 | FED
Latest Report: 2025-12-31

COMMENCEMENT BANK is amn medium FDIC-insured commercial bank headquartered in TACOMA, WA, established in Dec. 11, 2006, midnight. As of 2025-12-31, the bank reported total assets of $683M and total deposits of $610M. Profitability stands at 1.20% ROA and 13.88% ROE, with a net interest margin of 4.41%. The bank's CET1 capital ratio is 12.14%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.25% and a Texas Ratio of 1.94%. FDIC Certificate #58446.

Assets

$683M

Deposits

$610M

Loans

$524M

Equity

$60M

Profitability

Return on Assets (ROA) 1.20%
Return on Equity (ROE) 13.88%
Net Interest Margin (NIM) 4.41%
Yield on Assets 5.85%
Cost of Funds 1.49%

Asset Quality

NPL Ratio 0.25%
Net Charge-Off Ratio 0.02%
Texas Ratio 1.94%
NPA Ratio 0.19%
ACL / Loans 1.20%

Capital & Liquidity

CET1 Ratio 12.14%
Tier 1 Capital 12.14%
Total Capital Ratio 13.34%
Leverage Ratio 9.45%
Loan-to-Deposit 85.91%

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