BlastPoint's Banking Scorecard
1st Security Bank of Washington
Community
Specialty: Commercial
WA
FDIC cert 57633
Mountlake Terrace, WA
1484
banks in Community tier nationally
15 in WA
View Community leaderboard (WA) →
1st Security Bank of Washington faces 3 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 27% in Community
- - Margin Compression: Bottom 34% in Community
- - Liquidity Strain: Bottom 48% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$3.2B
+5.5% YoY
-0.4% QoQ
|
+$1.8B |
$1.4B
+2.0% YoY
|
$3.0B
+0.9% YoY
|
$5.9B
+6.5% YoY
|
Top 8% in tier |
| Total Loans ? |
$2.7B
+5.4% YoY
+1.1% QoQ
|
+$1.7B |
$975.5M
+2.4% YoY
|
$2.1B
+0.7% YoY
|
$3.1B
+8.5% YoY
|
Top 5% in tier |
| Total Deposits ? |
$2.7B
+14.1% YoY
-0.4% QoQ
|
+$1.5B |
$1.2B
+1.7% YoY
|
$2.5B
+2.4% YoY
|
$4.7B
+6.3% YoY
|
Top 7% in tier |
| Return on Assets ? |
1.14%
-8.4% YoY
+0.5% QoQ
|
-0.03% |
1.16%
+17.2% YoY
|
0.73%
+12.9% YoY
|
1.12%
+15.6% YoY
|
51% |
| Net Interest Margin ? |
4.49%
+0.5% YoY
+0.6% QoQ
|
+0.83% |
3.66%
+9.1% YoY
|
3.82%
+5.9% YoY
|
3.75%
+7.1% YoY
|
Top 13% in tier |
| Efficiency Ratio ? |
63.22%
+4.5% YoY
-1.2% QoQ
|
+0.59% |
62.63%
-5.3% YoY
|
71.57%
-0.7% YoY
|
65.09%
-5.1% YoY
|
47% |
| Delinquency Rate ? |
0.70%
+30.8% YoY
+0.9% QoQ
|
+0.07% |
0.63%
+18.3% YoY
|
0.58%
+11.6% YoY
|
0.66%
+20.3% YoY
|
35% |
| Loan-to-Deposit Ratio ? |
99.09%
-7.6% YoY
+1.5% QoQ
|
+16.03% |
83.06%
+0.3% YoY
|
86.62%
+0.7% YoY
|
78.04%
+0.7% YoY
|
Top 14% in tier |
| Non-Interest-Bearing Deposit Share ? |
25.11%
-10.0% YoY
-0.4% QoQ
|
+4.06% |
21.05%
-0.9% YoY
|
25.62%
-3.7% YoY
|
21.79%
-1.3% YoY
|
70% |
| Nonperforming Asset Ratio ? |
0.59%
+30.6% YoY
+2.4% QoQ
|
+0.09% |
0.50%
+20.3% YoY
|
0.45%
+3.2% YoY
|
0.48%
+20.8% YoY
|
34% |
| Tier 1 Capital Ratio ? |
12.73%
-1.6% YoY
+0.7% QoQ
|
+2.48% |
10.24%
-0.6% YoY
|
9.41%
-4.6% YoY
|
9.75%
-1.9% YoY
|
55% |
| Non-Interest Income / Assets ? |
0.69%
-29.3% YoY
+38.5% QoQ
|
-0.05% |
0.74%
-1.3% YoY
|
0.77%
+3.5% YoY
|
0.65%
+0.6% YoY
|
69% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (3)
Credit Risk Growth
risk
#175 of 642 · Bottom 27% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
|
QoQ rank improving
Margin Compression
decline
#41 of 120 · Bottom 34% in Community
Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Why this signature
Return on Assets:
1.14%
(Tier: 1.16%, National: 1.12%)
120 of 120 Community banks match
·
147 nationally
→ Stable
-9 banks QoQ
|
QoQ rank improving
Liquidity Strain
risk
#246 of 513 · Bottom 48% in Community
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
99.09%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank declining
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
95
95th pctile
Total Loans
Current: $2.7B · Tier avg: $975.5M
93
93th pctile
Total Deposits
Current: $2.7B · Tier avg: $1.2B
92
92th pctile
Total Assets
Current: $3.2B · Tier avg: $1.4B
87
87th pctile
Net Interest Margin
Current: 4.49% · Tier avg: 3.66%
86
86th pctile
Loan-to-Deposit Ratio
Current: 99.09% · Tier avg: 83.06%
70
70th pctile
Non-Interest-Bearing Deposit Share
Current: 25.11% · Tier avg: 21.05%
69
69th pctile
Non-Interest Income / Assets
Current: 0.69% · Tier avg: 0.74%
55
55th pctile
Tier 1 Capital Ratio
Current: 12.73% · Tier avg: 10.24%
51
51th pctile
Return on Assets
Current: 1.14% · Tier avg: 1.16%
47
47th pctile
Efficiency Ratio
Current: 63.22% · Tier avg: 62.63%
35
35th pctile
Delinquency Rate
Current: 0.70% · Tier avg: 0.63%
34
34th pctile
Nonperforming Asset Ratio
Current: 0.59% · Tier avg: 0.50%
Top Weaknesses
34
34th pctile
Nonperforming Asset Ratio
Current: 0.59% · Tier avg: 0.50%
35
35th pctile
Delinquency Rate
Current: 0.70% · Tier avg: 0.63%
47
47th pctile
Efficiency Ratio
Current: 63.22% · Tier avg: 62.63%
51
51th pctile
Return on Assets
Current: 1.14% · Tier avg: 1.16%
55
55th pctile
Tier 1 Capital Ratio
Current: 12.73% · Tier avg: 10.24%
69
69th pctile
Non-Interest Income / Assets
Current: 0.69% · Tier avg: 0.74%
70
70th pctile
Non-Interest-Bearing Deposit Share
Current: 25.11% · Tier avg: 21.05%
86
86th pctile
Loan-to-Deposit Ratio
Current: 99.09% · Tier avg: 83.06%
87
87th pctile
Net Interest Margin
Current: 4.49% · Tier avg: 3.66%
92
92th pctile
Total Assets
Current: $3.2B · Tier avg: $1.4B
93
93th pctile
Total Deposits
Current: $2.7B · Tier avg: $1.2B
95
95th pctile
Total Loans
Current: $2.7B · Tier avg: $975.5M