FDIC Cert #34403 · Everett, Washington · Est. 1997

Coastal Community Bank - FDIC Bank Health Profile

A community-scale look at Coastal Community Bank's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$4.7B
Total assets
A
Health grade · Excellent
1.11%
Return on assets
12.5%
Tier 1 capital

Data updated July 2026

The verdict

Coastal Community Bank earns a PlainBankData health grade of A (83/100), with well-capitalized at 12.50% Tier 1, profitable at 1.11% ROA, efficient (53% cost ratio).

#301
largest of 4,313 FDIC banks by assets
93rd
percentile by asset size, nationally
12.50%
Tier 1 ratio - above the 10% well-capitalized line
50th
percentile for profitability (ROA), nationally

PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.

FDIC Call Report plate

Cert 34403 · 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 #1527/4307
  • PHOTO-FINISH Macatawa Bank, Natio… · MI
  • TIER1-WELL 12.5% Tier 1
  • TEXAS-CLEAN 9.7% Texas
  • ROA-PAR 1.11% ROA
  • SIZE-REGIONAL $1–10B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Washington: Macatawa Bank, National Association, MI (±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 Coastal Community Bank

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

Morgan Stanley Bank,… · UT ·…100/100Coastal Community Bank · WA …83/100First United Bank an… · KY ·…83/100Macatawa Bank, Natio… · MI ·…83/100People's Bank of Com… · OR ·…83/100Town Bank, National… · WI · …83/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Coastal Community Bank · July 2026

Call Report read for Coastal Community Bank in a high-failure state

Coastal Community Bank (FDIC Cert #34403) 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 #1,527 of 4,307. Tier 1 capital prints at 12.50%, clearing the 10% well-capitalized line. The Texas Ratio is 9.68%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.11%. Balance-sheet scale is $4.7B, 301st of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Macatawa Bank, National Association (MI), 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 Coastal Community Bank

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

Coastal Community Bank 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 Coastal Community Bank'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 Coastal Community Bank'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
Coastal Community Bank's composite health score
Tier 1 Capital Ratio (12.50%) 35/40
Return on Assets (ROA) (1.11%) 20/25
Texas Ratio (9.68%) 16/20
Efficiency Ratio (52.69%) 12/15

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

Balance sheet at a glance

Total Assets

$4.7B

Total balance-sheet footings

Total Deposits

$4.2B

Customer-funded liabilities

Net Loans

$3.7B

Outstanding loan book

Net Income

$49M

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.) 11.1% 12.5% 13.9%
Basel III capital ratios - Coastal Community Bank

Where Coastal Community Bank ranks

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

Coastal Community Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

83 Top 35% higher than 65% 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. Coastal Community Bank 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

Coastal Community Bank'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). Coastal Community Bank's $4.7B falls in the highlighted band.

Capital & credit buffers at Coastal Community Bank

Tier 1 capital ratio
Well-capitalized 10%

12.50% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
12.50%
Texas Ratio
9.68%
Equity Capital
$493M

What these ratios mean →

Earnings posture at Coastal Community Bank

Return on Assets (ROA)
50th percentile nationally
1.11%
Return on Equity (ROE)
10.62%
Efficiency Ratio
52.69%

What these mean →

Income & expense at Coastal Community Bank

$430M
Interest Income
$232M
Non-Interest Income
$286M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Coastal Community Bank reports a Texas Ratio of 9.68% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

9.68% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Coastal Community Bank 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 ($4.7B here), outside Washington so the neighborhood is not state containment.

Five Star Bank $4.8B · CA Metro City Bank $4.7B · GA Barrington Bank & Trust Company $4.8B · IL State Bank of India $4.8B · IL

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Coastal Community Bank (FDIC Cert #34403) - 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.

Coastal Community Bank 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%
1st Security Bank of WashingtonMountlake Terrace $3.2B A 1.14%
Peoples BankBellingham $2.5B B 1.00%
Cashmere Valley BankCashmere $2.3B A 1.33%
First Fed BankPort Angeles $2.1B C -0.10%