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Sound Community Bank
Seattle, WA · FDIC Certificate #57451 · Chartered 01/0
Total assets
$1.07B
Total deposits
$937.09M
Total equity
$117.08M
Net loans
$885.14M
Branches (offices)
9
Net income (YTD)
$4.73M
Rank: #988 of 4,213 U.S. banks by assets · #13 of 28 in Washington. Assets changed 0.7% and deposits 3.1% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.87% |
| Return on equity | 8.13% |
| Net interest margin (YTD) | 3.70% |
| Equity to assets | 10.98% |
| Tier 1 leverage ratio | 10.93% |
| Uninsured deposits (share of deposits) | 20.2% |
| Noncurrent loans (share of loans) | 0.90% |
| Net charge-offs (share of loans) | 0.01% |
| Loans to deposits | 94.5% |
| Real estate loans (share of loans) | 83.1% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $735.95M | 83.1% | |
| Commercial & industrial | $14.05M | 1.6% | |
| Consumer / individual | $143.56M | 16.2% | |
| Construction & development | $78.65M | 8.9% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $937.26M | $790.05M | $3.81M | $103.98M |
| Jun 2023 | $1.01B | $825.66M | $5.63M | $111.22M |
| Jun 2024 | $1.08B | $910.61M | $2.15M | $112.45M |
| Jun 2025 | $1.06B | $909.05M | $3.82M | $111.22M |
| Jun 2026 | $1.07B | $937.09M | $4.73M | $117.08M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Washington | $937.09M | 9 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $937.09M.
Similar-sized banks
Cnb Bank ($1.07B) · Crescent Bank ($1.07B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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