Total Assets
$4.7B
Total balance-sheet footings
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.
- $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.
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.
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 Deposits
$4.2B
Customer-funded liabilities
Net Loans
$3.7B
Outstanding loan book
Net Income
$49M
Bottom-line earnings
Capital adequacy vs federal thresholds
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'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.
Safety metrics
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
Profitability metrics
Return on Assets (ROA)
50th percentile nationally
1.11%
Return on Equity (ROE)
10.62%
Efficiency Ratio
52.69%
What the numbers say about Coastal Community Bank
Coastal Community Bank is an FDIC-insured institution (Certificate #34403) headquartered in Everett, Washington, established in 1997. It holds $4.7B in total assets - 301st of 4,313 FDIC-insured banks, $4.2B in customer deposits, and $3.7B in net loans. Its capital position: a Tier 1 ratio of 12.50%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 9.68% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of A (83 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Nationally, Coastal Community Bank sits in the top decile of all FDIC-insured institutions by asset size (301st of 4,313), and within Washington it ranks 5th of 30 state-chartered and national banks headquartered there. The next-largest bank in the state by assets is 1st Security Bank of Washington, at $3.2B. A bank of this scale carries systemic weight in its market -- its lending and deposit decisions move local credit availability in a way a community-scale institution's simply cannot.
Income & expense breakdown
$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.
Top banks in Washington by total assets
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.
Other banks in Washington
All Washington banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| 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% |
Frequently asked questions
What is Coastal Community Bank's health grade?▼
Coastal Community Bank receives a health grade of A (83/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is Coastal Community Bank?▼
Coastal Community Bank holds $4.7B in total assets and $4.2B in deposits, ranking 301st of 4,313 FDIC-insured banks by asset size. It is headquartered in Everett, Washington.
Is my money safe at Coastal Community Bank?▼
Yes, deposits at Coastal Community Bank (Certificate #34403) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Coastal Community Bank's Tier 1 Capital Ratio?▼
Coastal Community Bank has a Tier 1 Capital Ratio of 12.50%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Coastal Community Bank?▼
Coastal Community Bank has a Texas Ratio of 9.68%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Coastal Community Bank?▼
Coastal Community Bank has an Efficiency Ratio of 52.69%. Under the 60% mark counts as efficient, more of every revenue dollar reaches the bottom line. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Coastal Community Bank's profile as a depositor or analyst.
- Coastal Community Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Coastal Community Bank against other Washington banks before moving funds. Washington banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.