Sound Banking Company: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Sound Banking Company of Lakewood, WA against its peer group of 536 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 Behind the peer average, ahead of the median peer. | 2.70% | 3.14% | -0.44% | 90th top |
| ROAE | 21.56% | 10.40% | +11.16% | 93rd top |
| Net Interest Margin | 6.97% | 3.93% | +3.04% | 100th top |
| Efficiency Ratio | 59.33% | 76.32% | -16.99% | 71st above |
| PPNR / Avg Assets | 2.70% | 1.40% | +1.30% | 92nd top |
| Yield on Earning Assets | 8.29% | 5.35% | +2.94% | 99th top |
| Cost of Funds | 1.36% | 1.71% | -0.35% | 60th above |
| Net Interest Spread | 6.33% | 3.31% | +3.02% | 100th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 1.34% | -1.34% | 83rd top |
| NPA / Total Assets | 0.00% | 0.71% | -0.71% | 81st top |
| NCO / Avg Loans | 0.14% | 0.11% | +0.03% | 13th bottom |
| ACL / Total Loans | 1.60% | 1.49% | +0.11% | 72nd above |
| Texas Ratio | 0.00% | 8.26% | -8.26% | 84th top |
| Provision / NCO | 0.00% | 315.34% | -315.34% | 22nd bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 15.27% | 61.98% | -46.71% | 24th bottom |
| Tier 1 Ratio | 15.27% | 61.99% | -46.72% | 24th bottom |
| Total Capital Ratio | 16.52% | 62.95% | -46.43% | 24th bottom |
| Leverage Ratio | 12.08% | 17.61% | -5.53% | 39th below |
| Equity / Assets | 12.02% | 16.43% | -4.41% | 46th below |
| TCE / Tangible Assets | 12.02% | 16.18% | -4.16% | 48th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 98.14% | 72.80% | +25.34% | 11th bottom |
| Core Deposit Ratio | 67.40% | 88.24% | -20.84% | 4th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -12.14% | 4.32% | -16.46% | 4th bottom |
| Loan Growth (Y/Y) | -1.95% | 6.73% | -8.68% | 32nd below |
| Deposit Growth (Y/Y) | -13.73% | 3.79% | -17.52% | 3rd bottom |
See Sound Banking Company's peers by name
The 536 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Sound Banking Company, 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 Sound Banking Company profile, how to read a UBPR, or how this data updates.