FDIC Cert #58446 · Tacoma, Washington · Est. 2006

Commencement Bank - FDIC Bank Health Profile

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

Compiled from official public sources by the publisher.
$683M
Total assets
A
Health grade · Excellent
1.01%
Return on assets
12.1%
Tier 1 capital

Data updated July 2026

The verdict

Commencement Bank earns a PlainBankData health grade of A (83/100), with well-capitalized at 12.14% Tier 1, profitable at 1.01% ROA, 66% efficiency ratio.

#1,404
largest of 4,313 FDIC banks by assets
67th
percentile by asset size, nationally
12.14%
Tier 1 ratio - above the 10% well-capitalized line
43rd
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 58446 · WA A · 83/100

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

  • GRADE-A A (83/100)
  • MID-PACK #1602/4307
  • PHOTO-FINISH First FarmBank · CO
  • TIER1-WELL 12.1% Tier 1
  • TEXAS-CLEAN 1.9% Texas
  • ROA-PAR 1.01% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Washington: First FarmBank, CO (±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 Commencement Bank

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

Morgan Stanley Bank,… · UT ·…100/100b1BANK · LA · near83/100Commencement Bank · WA · thi…83/100First FarmBank · CO · near83/100Lone Star Bank · TX · near83/100Old Plank Trail Comm… · IL ·…83/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Commencement Bank · July 2026

Call Report read for Commencement Bank in a high-failure state

Commencement Bank (FDIC Cert #58446) 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 #1,602 of 4,307. Tier 1 capital prints at 12.14%, clearing the 10% well-capitalized line. The Texas Ratio is 1.94%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.01%. Balance-sheet scale is $683M, 1,404th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is First FarmBank (CO), 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 Commencement Bank

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

Commencement 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 Commencement 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 Commencement 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
Commencement Bank's composite health score
Tier 1 Capital Ratio (12.14%) 35/40
Return on Assets (ROA) (1.01%) 20/25
Texas Ratio (1.94%) 20/20
Efficiency Ratio (66.16%) 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

$683M

Total balance-sheet footings

Total Deposits

$610M

Customer-funded liabilities

Net Loans

$518M

Outstanding loan book

Net Income

$7M

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.) 10.74% 12.14% 13.54%
Basel III capital ratios - Commencement Bank

Where Commencement Bank ranks

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

Commencement Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

83 Top 37% higher than 63% 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. Commencement 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

Commencement 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). Commencement Bank's $683M falls in the highlighted band.

Capital & credit buffers at Commencement Bank

Tier 1 capital ratio
Well-capitalized 10%

12.14% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
12.14%
Texas Ratio
1.94%
Equity Capital
$60M

What these ratios mean →

Earnings posture at Commencement Bank

Return on Assets (ROA)
43rd percentile nationally
1.01%
Return on Equity (ROE)
12.17%
Efficiency Ratio
66.16%

What these mean →

Income & expense at Commencement Bank

$35M
Interest Income
$2M
Non-Interest Income
$18M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Commencement Bank reports a Texas Ratio of 1.94% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

1.94% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Commencement 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 ($683M here), outside Washington so the neighborhood is not state containment.

Farmers and Merchants Union Bank $683M · WI The First National Bank of Sonora $684M · TX American Nation Bank $684M · OK Yampa Valley Bank $684M · CO

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Commencement Bank (FDIC Cert #58446) - 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.

Commencement 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%
Coastal Community BankEverett $4.7B A 1.11%
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%