Sound Community Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Sound Community Bank of Seattle, WA against its peer group of 927 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 | 1.06% | 1.46% | -0.40% | 34th below |
| ROAE | 9.79% | 12.69% | -2.90% | 30th below |
| Net Interest Margin Behind the peer average, ahead of the median peer. | 3.82% | 3.85% | -0.03% | 58th above |
| Efficiency Ratio | 69.21% | 57.40% | +11.81% | 22nd bottom |
| PPNR / Avg Assets | 1.28% | 1.88% | -0.60% | 27th below |
| Yield on Earning Assets | 5.78% | 5.72% | +0.06% | 65th above |
| Cost of Funds | 2.13% | 2.02% | +0.11% | 42nd below |
| Net Interest Spread | 3.32% | 3.18% | +0.14% | 66th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.01% | 1.00% | +0.01% | 32nd below |
| NPA / Total Assets | 0.85% | 0.76% | +0.09% | 29th below |
| NCO / Avg Loans | 0.01% | 0.43% | -0.42% | 58th above |
| ACL / Total Loans | 0.94% | 1.31% | -0.37% | 23rd bottom |
| ACL / NPLs (Coverage) | 93.69% | 564.56% | -470.87% | 27th below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 7.24% | 7.39% | -0.15% | 33rd below |
| Provision / NCO | -277.55% | 618.98% | -896.53% | 3rd bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 10.93% | 11.44% | -0.51% | 59th above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.98% | 11.34% | -0.36% | 60th above |
| TCE / Tangible Assets | 10.92% | 10.50% | +0.42% | 70th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 95.35% | 86.95% | +8.40% | 29th below |
| Core Deposit Ratio | 88.82% | 85.55% | +3.27% | 52nd above |
| Uninsured Deposit Ratio | 20.16% | 33.13% | -12.97% | 83rd top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 0.71% | 9.68% | -8.97% | 20th bottom |
| Loan Growth (Y/Y) | -1.41% | 8.06% | -9.47% | 12th bottom |
| Deposit Growth (Y/Y) | 3.08% | 7.88% | -4.80% | 37th below |
See Sound Community Bank's peers by name
The 927 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Sound Community Bank, 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 Community Bank profile, how to read a UBPR, or how this data updates.