FDIC Cert #57633 · Mountlake Terrace, Washington · Est. 2004

1st Security Bank of Washington - FDIC Bank Health Profile

A community-scale look at 1st Security Bank of Washington's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$3.2B
Total assets
A
Health grade · Excellent
1.14%
Return on assets
12.7%
Tier 1 capital

Data updated July 2026

The verdict

1st Security Bank of Washington earns a PlainBankData health grade of A (83/100), with well-capitalized at 12.73% Tier 1, profitable at 1.14% ROA, 63% efficiency ratio.

#403
largest of 4,313 FDIC banks by assets
91st
percentile by asset size, nationally
12.73%
Tier 1 ratio - above the 10% well-capitalized line
53rd
percentile for profitability (ROA), nationally

This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.

FDIC Call Report plate

Cert 57633 · WA A · 83/100

GRADE-A · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-PAR · SIZE-REGIONAL · BOOK-FULL

  • GRADE-A A (83/100)
  • MID-PACK #1537/4307
  • PHOTO-FINISH Redwood Capital Bank · CA
  • TIER1-WELL 12.7% Tier 1
  • TEXAS-CLEAN 4.9% Texas
  • ROA-PAR 1.14% ROA
  • SIZE-REGIONAL $1–10B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Washington: Redwood Capital Bank, CA (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around 1st Security Bank of Washington

Lowest and highest poles plus nearest scored peers outside Washington, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/1001st Security Bank of… · WA ·…83/100Redwood Capital Bank · CA · …83/100T Bank, National Ass… · TX ·…83/100Tolleson Private Bank · TX ·…83/100Traditions Bank · AL · near83/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around 1st Security Bank of Washington · July 2026

Call Report read for 1st Security Bank of Washington in a high-failure state

1st Security Bank of Washington (FDIC Cert #57633) carries a PlainBankData health grade of A at 83/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #1,537 of 4,307. Tier 1 capital prints at 12.73%, clearing the 10% well-capitalized line. The Texas Ratio is 4.91%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.14%. Balance-sheet scale is $3.2B, 403rd of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Redwood Capital Bank (CA), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around 1st Security Bank of Washington

19 FAILURE resolutions in Washington since 2000, heavy vs the state corpus

1st Security Bank of Washington sits in one of the heavier post-2000 FAILURE states (19 resolutions; latest year 2015). The list below is state history from the Failed Bank List, not a claim about 1st Security Bank of Washington's current Call Report.

  • HOMETOWN NATIONAL BANK LONGVIEW, WA 2015 → TWIN CITY BANK
  • WESTSIDE COMMUNITY BANK UNIVERSITY PLACE, WA 2013 → SUNWEST BANK
  • BANK OF WHITMAN COLFAX, WA 2011 → COLUMBIA STATE BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Washington banks.

How 1st Security Bank of Washington's 83/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10083/100
1st Security Bank of Washington's composite health score
Tier 1 Capital Ratio (12.73%) 35/40
Return on Assets (ROA) (1.14%) 20/25
Texas Ratio (4.91%) 20/20
Efficiency Ratio (63.22%) 8/15

83 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$3.2B

Total balance-sheet footings

Total Deposits

$2.7B

Customer-funded liabilities

Net Loans

$2.7B

Outstanding loan book

Net Income

$36M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 11.33% 12.73% 14.13%
Basel III capital ratios - 1st Security Bank of Washington

Where 1st Security Bank of Washington ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. 1st Security Bank of Washington's score of 83/100 falls in the highlighted band.

1st Security Bank of Washington: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

83 Top 36% higher than 64% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). This entry sits in this band. 90–100: 815 FDIC-insured banks (19%). Above this entry. 1st Security Bank of Washington 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

1st Security Bank of Washington's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). 1st Security Bank of Washington's $3.2B falls in the highlighted band.

Capital & credit buffers at 1st Security Bank of Washington

Tier 1 capital ratio
Well-capitalized 10%

12.73% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
12.73%
Texas Ratio
4.91%
Equity Capital
$350M

What these ratios mean →

Earnings posture at 1st Security Bank of Washington

Return on Assets (ROA)
53rd percentile nationally
1.14%
Return on Equity (ROE)
10.35%
Efficiency Ratio
63.22%

What these mean →

Income & expense at 1st Security Bank of Washington

$197M
Interest Income
$22M
Non-Interest Income
$101M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. 1st Security Bank of Washington reports a Texas Ratio of 4.91% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

4.91% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View 1st Security Bank of Washington on FDIC BankFind →

Top banks in Washington by total assets

Largest banks headquartered in Washington
  1. 1
    WaFd Bank $27.3B

    Seattle, WA · Grade B

  2. 2
    Banner Bank $16.3B

    Walla Walla, WA · Grade A

  3. 3
    Washington Trust Bank $10.7B

    Spokane, WA · Grade B

  4. 4
    Heritage Bank $7.0B

    Olympia, WA · Grade A

  5. 5
    Coastal Community Bank $4.7B

    Everett, WA · Grade A

Top 5 banks in Washington ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($3.2B here), outside Washington so the neighborhood is not state containment.

Banco do Brasil Americas $3.2B · FL ACNB Bank $3.2B · PA Ponce Bank $3.2B · NY Austin Bank, Texas $3.2B · TX

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) 1st Security Bank of Washington (FDIC Cert #57633) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

1st Security Bank of Washington Call Report profile · FDIC Failed Bank List · Washington FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Washington

All Washington banks →
BankAssetsGradeROA
WaFd BankSeattle $27.3B B 0.91%
Banner BankWalla Walla $16.3B A 1.24%
Washington Trust BankSpokane $10.7B B 0.89%
Heritage BankOlympia $7.0B A 1.07%
Coastal Community BankEverett $4.7B A 1.11%
Peoples BankBellingham $2.5B B 1.00%
Cashmere Valley BankCashmere $2.3B A 1.33%
First Fed BankPort Angeles $2.1B C -0.10%