First Fed Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 1.23 percentage points lower than in Q1 2026, at 100.04%. First Fed Bank ranks 24th of 29 Washington banks on return on assets, in the lower half at 0.25% (Q2 2026). First Fed Bank's return on assets of 0.25% is well below the 1.27% median for banks in the $1B-10B asset tier, a gap of 1.02 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 12.40% |
| Tier 1 risk-based capital ratio | 12.40% |
| Total risk-based capital ratio | 13.44% |
| Tier 1 leverage ratio | 9.64% |
| Equity capital to assets | 8.59% |
| Tangible equity to tangible assets | 8.53% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.28% |
| Non-performing assets ratio | 1.06% |
| Net charge-off ratio | 0.04% |
| Texas ratio | 11.38% |
| Allowance for credit losses to loans | 1.01% |
| Reserve coverage of non-performing loans | 78.65% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.25% |
| Return on equity | 2.86% |
| Net interest margin | 3.07% |
| Efficiency ratio | 93.02% |
| Yield on earning assets | 5.19% |
| Cost of funds | 2.28% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 100.04% |
| Core deposits to total deposits | 85.51% |
| Brokered deposits to total deposits | 3.63% |
| Deposits to assets | 76.63% |
| Securities to assets | 13.63% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 13.43% | 13.43% | 14.38% | 10.12% | 0.54% |
| Q4 2023 | 13.12% | 13.12% | 14.11% | 9.90% | -0.72% |
| Q1 2024 | 12.56% | 12.56% | 13.57% | 9.74% | 0.10% |
| Q2 2024 | 12.40% | 12.40% | 13.50% | 9.38% | -0.27% |
| Q3 2024 | 12.20% | 12.20% | 13.44% | 9.38% | -0.24% |
| Q4 2024 | 12.44% | 12.44% | 13.61% | 9.39% | -0.15% |
| Q1 2025 | 12.10% | 12.10% | 13.35% | 9.04% | -1.64% |
| Q2 2025 | 12.03% | 12.03% | 13.13% | 9.13% | 0.80% |
| Q3 2025 | 12.65% | 12.65% | 13.65% | 9.32% | 0.31% |
| Q4 2025 | 12.49% | 12.49% | 13.55% | 9.51% | 0.16% |
| Q1 2026 | 12.43% | 12.43% | 13.53% | 9.59% | 0.15% |
| Q2 2026 | 12.40% | 12.40% | 13.44% | 9.64% | 0.25% |
First Fed Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First Fed Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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 First Fed Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28405) · FFIEC NIC profile (RSSD 403179)