Seattle 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: 20.17 percentage points higher than in Q1 2026, at 93.79%. Seattle Bank ranks 19th of 29 Washington banks on return on assets, in the lower half at 0.58% (Q2 2026). Seattle Bank's return on assets of 0.58% is well below the 1.26% median for banks in the $100M-1B asset tier, a gap of 0.68 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 13.25% |
| Tier 1 risk-based capital ratio | 13.25% |
| Total risk-based capital ratio | 14.51% |
| Tier 1 leverage ratio | 10.29% |
| Equity capital to assets | 10.54% |
| Tangible equity to tangible assets | 10.35% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 2.81% |
| Non-performing assets ratio | 3.14% |
| Net charge-off ratio | 1.01% |
| Texas ratio | 13.06% |
| Allowance for credit losses to loans | 2.04% |
| Reserve coverage of non-performing loans | 72.44% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.58% |
| Return on equity | 5.55% |
| Net interest margin | 4.11% |
| Efficiency ratio | 67.73% |
| Yield on earning assets | 7.41% |
| Cost of funds | 3.71% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 93.79% |
| Core deposits to total deposits | 77.17% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 88.08% |
| Securities to assets | 3.17% |
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 | 17.54% | 17.54% | 18.81% | 12.71% | 0.71% |
| Q4 2023 | 17.83% | 17.83% | 19.13% | 12.57% | 1.03% |
| Q1 2024 | 17.44% | 17.44% | 18.74% | 11.59% | 0.29% |
| Q2 2024 | 16.56% | 16.56% | 17.86% | 11.26% | 0.41% |
| Q3 2024 | 15.72% | 15.72% | 17.00% | 10.69% | 0.35% |
| Q4 2024 | 14.43% | 14.43% | 15.71% | 10.54% | 0.39% |
| Q1 2025 | 14.67% | 14.67% | 15.94% | 10.37% | 0.01% |
| Q2 2025 | 12.21% | 12.21% | 13.47% | 10.10% | 0.30% |
| Q3 2025 | 12.03% | 12.03% | 13.29% | 9.27% | 0.43% |
| Q4 2025 | 12.55% | 12.55% | 13.81% | 9.30% | 0.30% |
| Q1 2026 | 14.83% | 14.83% | 16.10% | 9.15% | 1.39% |
| Q2 2026 | 13.25% | 13.25% | 14.51% | 10.29% | 0.58% |
Seattle Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Seattle 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 Seattle Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35139) · FFIEC NIC profile (RSSD 2838207)