$1.11B
+4.0%y/y
Percentile by value14th percentileby value
FDIC
ASSETSC
Sound Community Bank
Seattle, WashingtonFDIC Cert #57451
STATEEstablished 195310 branches
Holding company: SOUND FINANCIAL BCORP INCRegulator: FDIC
FDIC
CERT + OFFDOMWhat's happening here
As of Q1 2026FDIC
Call ReportSound Community Bank reported $1.11B in total assets. Deposits grew 6.02% over the prior year.
Return on assets was 0.68%, compared with an asset-peer median of 1.16%. The leverage ratio was 10.62%.
- Why is Total Assets below asset peers?
- Why is Efficiency Ratio above asset peers?
- Why is Return on Assets below asset peers?
Generated offline from verified FDIC facts for the period shown. Bank Data Insights does not rate banks, predict outcomes, or provide advice.
Latest reported quarter
Key metrics
$975M
+6.0%y/y
Percentile by value19th percentileby value
FDIC
DEP$913M
+3.8%y/y
Percentile by value37th percentileby value
FDIC
LNLSNET0.68%
+11 bpsy/y
Peer standing18th percentile
FDIC
NETINC + ROA74.85%
−645 bpsy/y
Peer standing18th percentile
FDIC
NONIX + NIM + NONII + EEFFR10.62%
−13 bpsy/y
Peer standing52nd percentile
FDIC
RBC1AAJPercentiles compare this bank with 629 banks from $1 billion to $3 billion.
FDIC
Call ReportBalance sheet trend
Assets & deposits
| Quarter | Assets | Deposits |
|---|---|---|
| Q2 2021 | $923M | $814M |
| Q3 2021 | $928M | $815M |
| Q4 2021 | $920M | $805M |
| Q1 2022 | $959M | $843M |
| Q2 2022 | $937M | $790M |
| Q3 2022 | $982M | $822M |
| Q4 2022 | $977M | $814M |
| Q1 2023 | $1B | $848M |
| Q2 2023 | $1.01B | $826M |
| Q3 2023 | $1.03B | $864M |
| Q4 2023 | $995M | $830M |
| Q1 2024 | $1.09B | $923M |
| Q2 2024 | $1.08B | $911M |
| Q3 2024 | $1.1B | $935M |
| Q4 2024 | $994M | $842M |
| Q1 2025 | $1.07B | $919M |
| Q2 2025 | $1.06B | $909M |
| Q3 2025 | $1.06B | $908M |
| Q4 2025 | $1.09B | $954M |
| Q1 2026 | $1.11B | $975M |
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $79.1M |
| Investor CRE | $146M |
| Multifamily | $165M |
| Construction | $74.3M |
| 1–4 family | $297M |
| C&I | $14M |
| Agriculture | $1.86M |
| Other | $143M |
Peer comparison
How this bank compares
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA0.68%18th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.47%Median 1.16%90th 2.03%Observations 629
ROE
FDIC
NETINC + ROE6.47%17th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 4.37%Median 11.64%90th 19.98%Observations 629
NIM
FDIC
NIM + NIMY3.55%43rd percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.81%Median 3.64%90th 4.58%Observations 630
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR74.85%18th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 45.28%Median 61.40%90th 80.08%Observations 629
Deposits YoY
FDIC
DEP+6.02%58th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −2.50%Median +4.71%90th +17.76%Observations 624
Loans YoY
FDIC
LNLSNET+3.76%38th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −1.84%Median +5.89%90th +17.13%Observations 623
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.80%34th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.06%Median 0.52%90th 1.91%Observations 623
Leverage
FDIC
RBC1AAJ10.62%52nd percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.85%Median 10.50%90th 14.46%Observations 630
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.50%56th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.77%Median 2.61%90th 3.65%Observations 624
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBCToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 88%Median 225%90th 349%Observations 464
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA0.68%34th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th −0.34%Median 0.96%90th 1.47%Observations 30
ROE
FDIC
NETINC + ROE6.47%38th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th −3.96%Median 8.71%90th 15.41%Observations 30
NIM
FDIC
NIM + NIMY3.55%45th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.68%Median 3.68%90th 4.69%Observations 30
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR74.85%38th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 53.23%Median 65.30%90th 95.89%Observations 30
Deposits YoY
FDIC
DEP+6.02%66th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −6.91%Median +3.29%90th +24.93%Observations 30
Loans YoY
FDIC
LNLSNET+3.76%66th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −6.22%Median +2.31%90th +14.53%Observations 30
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.80%21st percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.05%Median 0.53%90th 1.67%Observations 30
Leverage
FDIC
RBC1AAJ10.62%48th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 7.99%Median 10.66%90th 13.17%Observations 30
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.50%38th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.26%Median 2.30%90th 3.98%Observations 30
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBCToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 114%Median 249%90th 344%Observations 21
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA0.68%33rd percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th −0.07%Median 0.90%90th 1.37%Observations 10
ROE
FDIC
NETINC + ROE6.47%44th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th −0.20%Median 6.56%90th 11.20%Observations 10
NIM
FDIC
NIM + NIMY3.55%67th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.67%Median 3.14%90th 3.98%Observations 10
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR74.85%44th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 54.29%Median 73.44%90th 85.54%Observations 10
Deposits YoY
FDIC
DEP+6.02%78th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −3.43%Median +4.67%90th +6.65%Observations 10
Loans YoY
FDIC
LNLSNET+3.76%78th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −2.50%Median +1.41%90th +7.96%Observations 10
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.80%22nd percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.09%Median 0.54%90th 1.50%Observations 10
Leverage
FDIC
RBC1AAJ10.62%33rd percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 9.54%Median 11.36%90th 14.34%Observations 10
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.50%33rd percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.92%Median 2.33%90th 3.13%Observations 10
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBCToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 195%Median 277%90th 320%Observations 5
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Branches & markets
Physical footprint
- Domestic offices
- 10 branches
- Headquarters
- Seattle, WA
FDIC
OFFDOMOpen the Washington dashboard →History
Institution established
Filings
Q1 2026 Call Report
Q4 2025 Call Report
Q3 2025 Call Report
Q2 2025 Call Report
Public data, presented without a proprietary bank rating.FDIC source data