0.68%
+19.8%y/y
Peer standing18th percentile
FDIC
NETINC + ROASC
Sound Community Bank
Seattle, WashingtonFDIC Cert #57451
STATEEstablished 195310 branches
Holding company: SOUND FINANCIAL BCORP INCRegulator: FDIC
FDIC
CERT + OFFDOMProfitability, margin & efficiency
Performance
Returns, spread economics, operating efficiency, and growth viewed against this bank's peers.
As of Q1 2026
Returns & margin
Annualized returns and the economics of earning assets and paid funding.
6.47%
+25.1%y/y
Peer standing17th percentile
FDIC
NETINC + ROE0.88%
+16.6%y/y
Peer standing19th percentile
FDIC
PTAXNETINC + ASSET3.55%
+4.7%y/y
Peer standing43rd percentile
FDIC
NIM + NIMY5.55%
−1.4%y/y
Peer standing52nd percentile
FDIC
INTINCY2.50%
−10.3%y/y
Peer standing56th percentile
FDIC
EINTEXP + DEPIDOMEfficiency & growth
Operating productivity and year-over-year balance-sheet momentum.
74.85%
−7.9%y/y
Peer standing18th percentile
FDIC
NONIX + NIM + NONII + EEFFR2.76%
−6.4%y/y
Peer standing33rd percentile
FDIC
NONIX + ASSET8.58%
−25.5%y/y
Percentile by value25th percentileby value
FDIC
NONII + NIM+3.98%
+347.0%y/y
Percentile by value43rd percentileby value
FDIC
ASSET+6.02%
+1,761.4%y/y
Percentile by value58th percentileby value
FDIC
DEP+3.76%
+450.7%y/y
Percentile by value38th percentileby value
FDIC
LNLSNETHow this bank compares
Switch cohorts or expand any row to inspect the full distribution.
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.