Bank Safety Analysis
Savibank: final safety record
BankRegReports is independent of Savibank and never asks for online banking logins or passwords.
The standout move of Q2 2025 was in nonperforming loan ratio (nonaccrual plus 90+ days past due): 0.69 percentage points higher than in Q1 2025, at 0.96%. From Q3 2022 to Q2 2025, Savibank's CET1 ratio ranged between 8.65% (Q3 2022) and 9.92% (Q2 2025) and its Texas ratio ranged between 1.43% (Q1 2023) and 9.51% (Q2 2025). Between Q2 2024 and Q2 2025, Savibank's CET1 ratio rose from 9.36% to 9.92%, nonperforming loan ratio (nonaccrual plus 90+ days past due) rose from 0.24% to 0.96%, Texas ratio rose from 2.30% to 9.51% and return on assets rose from 0.41% to 0.71%.
Data as of · sourced from FFIEC call reports. How we update
Scorecard by dimension
Peer cohort: $100M to $1B (2,757 banks) · Industry averages as of Q2 2026.
CET1 of 9.92% sits comfortably above the 6.5% well-capitalized threshold under Prompt Corrective Action and the 7.0% level required once the capital conservation buffer is included.
Tier 1 leverage of 8.72% is above the 5% well-capitalized threshold.
Nonperforming loans at 0.96% are within industry-normal range.
Texas Ratio of 9.5% is well below the 100% historical failure threshold.
Efficiency ratio of 72.6% is inside the 75% pass line, though above the 65% level typical of lower-cost banks.
Risk screens
Latest filing (Q2 2025), passing screens included.
| Screen | Value | Trigger | Result |
|---|---|---|---|
| CET1 capital ratio supervisory threshold | 9.92% | Flags below 7% | Within range |
| Texas ratio BankRegReports band | 9.51% | Watch at 50%, concern at 100% | Within range |
| Non-performing loan ratio BankRegReports band | 0.96% | Flags at 3% or above | Within range |
| Uninsured deposit share BankRegReports band | — | Watch at 50%, concern at 70% | Not reported |
| Loan-to-deposit ratio BankRegReports band | 101.73% | Flags at 100% or above | Flagged |
| Commercial real estate to capital supervisory threshold | 252.98% | Watch at 200%, concern at 300% | Flagged |
| Held-to-maturity unrealized loss to equity BankRegReports band | 0.00% | Watch at 10%, concern at 25% | Within range |
Capital ratio: last 12 quarters
| Quarter | CET1 (%) |
|---|---|
| Q2 2025 | 9.92% |
| Q1 2025 | 9.35% |
| Q4 2024 | 9.70% |
| Q3 2024 | 9.59% |
| Q2 2024 | 9.36% |
| Q1 2024 | 8.93% |
| Q4 2023 | 8.95% |
| Q3 2023 | 9.08% |
| Q2 2023 | 8.92% |
| Q1 2023 | 8.92% |
| Q4 2022 | 9.13% |
| Q3 2022 | 8.65% |
Texas Ratio: last 12 quarters
| Quarter | Texas Ratio (%) |
|---|---|
| Q2 2025 | 9.51% |
| Q1 2025 | 3.25% |
| Q4 2024 | 3.19% |
| Q3 2024 | 2.34% |
| Q2 2024 | 2.30% |
| Q1 2024 | 4.74% |
| Q4 2023 | 1.90% |
| Q3 2023 | 2.22% |
| Q2 2023 | 1.52% |
| Q1 2023 | 1.43% |
| Q4 2022 | 2.44% |
| Q3 2022 | 4.73% |
Savibank by quarter
| Quarter end | CET1 | NPL ratio | Texas ratio | ROA |
|---|---|---|---|---|
| Jun 30, 2025 | 9.92% | 0.96% | 9.51% | 0.71% |
| Mar 31, 2025 | 9.35% | 0.27% | 3.25% | 0.24% |
| Dec 31, 2024 | 9.70% | 0.27% | 3.19% | 0.58% |
| Sep 30, 2024 | 9.59% | 0.26% | 2.34% | 0.53% |
| Jun 30, 2024 | 9.36% | 0.24% | 2.30% | 0.41% |
| Mar 31, 2024 | 8.93% | 0.35% | 4.74% | 0.10% |
| Dec 31, 2023 | 8.95% | 0.06% | 1.90% | -0.39% |
| Sep 30, 2023 | 9.08% | 0.09% | 2.22% | 0.59% |
| Jun 30, 2023 | 8.92% | 0.02% | 1.52% | 0.63% |
| Mar 31, 2023 | 8.92% | 0.00% | 1.43% | 0.59% |
| Dec 31, 2022 | 9.13% | 0.11% | 2.44% | 1.04% |
| Sep 30, 2022 | 8.65% | 0.32% | 4.73% | 1.08% |
Methodology & disclaimer
Based on the latest FFIEC call report. Model output is an estimate, not a credit rating, and this page is not investment advice. FDIC insurance covers deposits up to $250,000 per depositor per ownership category at any FDIC-insured bank, whatever its safety profile. See the methodology and full profile.
Regulator records: FDIC BankFind (cert 57978) · FFIEC NIC profile (RSSD 3346268)
Explore: Full Savibank profile · Other banks in WA · Metric glossary · How the call report works