FDIC Cert #57451 · Seattle, Washington · Est. 1953

Sound Community Bank - FDIC Bank Health Profile

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

Compiled from official public sources by the publisher.
$1.1B
Total assets
B
Health grade · Good
0.79%
Return on assets
10.9%
Tier 1 capital

Data updated July 2026

The verdict

Sound Community Bank earns a PlainBankData health grade of B (66/100), with well-capitalized at 10.93% Tier 1, 0.79% ROA, 73% efficiency ratio.

#964
largest of 4,313 FDIC banks by assets
78th
percentile by asset size, nationally
10.93%
Tier 1 ratio - above the 10% well-capitalized line
29th
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 57451 · WA B · 66/100

GRADE-B · LOWER-Q · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-PAR · SIZE-REGIONAL · BOOK-FULL

  • GRADE-B B (66/100)
  • LOWER-Q #3355/4307
  • PHOTO-FINISH Western Alliance Bank · AZ
  • TIER1-WELL 10.9% Tier 1
  • TEXAS-CLEAN 4.6% Texas
  • ROA-PAR 0.79% ROA
  • SIZE-REGIONAL $1–10B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Washington: Western Alliance Bank, AZ (±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 Sound Community Bank

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

Morgan Stanley Bank,… · UT ·…100/100Falcon National Bank · MN · …66/100Georgia Banking Comp… · GA ·…66/100Northstar Bank · MI · near66/100Sound Community Bank · WA · …66/100Western Alliance Bank · AZ ·…66/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Sound Community Bank · July 2026

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

Sound Community Bank (FDIC Cert #57451) carries a PlainBankData health grade of B at 66/100, 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 #3,355 of 4,307. Tier 1 capital prints at 10.93%, clearing the 10% well-capitalized line. The Texas Ratio is 4.62%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.79%. Balance-sheet scale is $1.1B, 964th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Western Alliance Bank (AZ), 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 Sound Community Bank

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

Sound 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 Sound 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 Sound Community Bank's 66/100 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 avg77/10066/100
Sound Community Bank's composite health score
Tier 1 Capital Ratio (10.93%) 28/40
Return on Assets (ROA) (0.79%) 14/25
Texas Ratio (4.62%) 20/20
Efficiency Ratio (72.79%) 4/15

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

Balance sheet at a glance

Total Assets

$1.1B

Total balance-sheet footings

Total Deposits

$954M

Customer-funded liabilities

Net Loans

$897M

Outstanding loan book

Net Income

$8M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 2% 4% 6% 8% 10% 12% 14% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 9.53% 10.93% 12.33%
Basel III capital ratios - Sound Community Bank

Where Sound Community Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Sound Community Bank's score of 66/100 falls in the highlighted band.

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

0-100 composite health score, FDIC Call Reports

66 22nd percentile higher than 22% 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%). This entry sits in this band. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Sound 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

Sound 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). Sound Community Bank's $1.1B falls in the highlighted band.

Capital & credit buffers at Sound Community Bank

Tier 1 capital ratio
Well-capitalized 10%

10.93% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
10.93%
Texas Ratio
4.62%
Equity Capital
$116M

What these ratios mean →

Profitability metrics: Sound Community Bank

Return on Assets (ROA)
29th percentile nationally
0.79%
Return on Equity (ROE)
7.36%
Efficiency Ratio
72.79%

What these mean →

Income & expense at Sound Community Bank

$58M
Interest Income
$4M
Non-Interest Income
$29M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Sound Community Bank reports a Texas Ratio of 4.62% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

4.62% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Sound 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 ($1.1B here), outside Washington so the neighborhood is not state containment.

First Bank of Berne $1.1B · IN United Texas Bank $1.1B · TX First Reliance Bank $1.1B · SC Farm Bureau Bank FSB $1.1B · NV

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Sound Community Bank (FDIC Cert #57451) - 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.

Sound 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%
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%