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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Seattle, WA · FDIC certificate #35139 · RSSD 2838207
SEATTLE BANK is an FDIC-insured institution based in Seattle, WA (FDIC certificate #35139). In its Q3 2026 Call Report it reported total assets of $832M, total deposits of $727M and net loans of $697M. Its primary federal regulator is FDIC. Its current parent is SEATTLE BANCSHARES, INC..
Plain-language readout
SEATTLE BANK is compared with 892 verified institutions in its asset cohort for Q3 2026. A percentile of 50 means the bank sits at the cohort median; higher means a larger value than most peers, which is better or worse depending on the metric.
Brokered deposits to domestic deposits: SEATTLE BANK reported 0.000, in the 33.1th percentile of 892 peers, where the median is 0.020. Common equity tier 1 ratio: SEATTLE BANK reported 0.148, in the 68.9th percentile of 701 peers, where the median is 0.134. Selected CRE loans to gross loans and leases: SEATTLE BANK reported 0.264, in the 13.1th percentile of 854 peers, where the median is 0.471. Selected CRE loans to total capital: SEATTLE BANK reported 1.810, in the 16.2th percentile of 686 peers, where the median is 2.991. Domestic secured CRE noncurrent ratio: SEATTLE BANK reported 0.000, in the 0.0th percentile of 874 peers, where the median is 0.003. Deposit funding ratio: SEATTLE BANK reported 0.898, in the 90.0th percentile of 905 peers, where the median is 0.854. Unadjusted YTD efficiency ratio: SEATTLE BANK reported 0.545, in the 33.6th percentile of 889 peers, where the median is 0.603. Bank equity to assets: SEATTLE BANK reported 0.089, in the 21.2th percentile of 897 peers, where the median is 0.103. Cash and securities to assets: SEATTLE BANK reported 0.326, in the 80.3th percentile of 898 peers, where the median is 0.211. Quarterly loan growth: SEATTLE BANK reported -0.170, in the 0.3th percentile of 866 peers, where the median is 0.007. Loan-to-asset ratio: SEATTLE BANK reported 0.645, in the 24.3th percentile of 905 peers, where the median is 0.729. Domestic loans to domestic deposits: SEATTLE BANK reported 0.736, in the 20.7th percentile of 892 peers, where the median is 0.874. Net interest margin: SEATTLE BANK reported 3.158, in the 23.5th percentile of 905 peers, where the median is 3.637. Net loans and leases: SEATTLE BANK reported 680496.000, in the 8.1th percentile of 905 peers, where the median is 1391487.000. Nonaccrual loans ratio: SEATTLE BANK reported 0.030, in the 97.1th percentile of 888 peers, where the median is 0.005. Noncurrent loans ratio: SEATTLE BANK reported 0.030, in the 95.9th percentile of 888 peers, where the median is 0.006. Return on assets: SEATTLE BANK reported 1.369, in the 62.1th percentile of 905 peers, where the median is 1.221. Return on equity: SEATTLE BANK reported 15.370, in the 77.5th percentile of 897 peers, where the median is 11.870. Securities to assets: SEATTLE BANK reported 0.029, in the 7.4th percentile of 898 peers, where the median is 0.148. Time deposits maturing within one year: SEATTLE BANK reported 0.713, in the 12.3th percentile of 882 peers, where the median is 0.915. Total assets: SEATTLE BANK reported 1054283.000, in the 5.5th percentile of 905 peers, where the median is 2009091.000. Total deposits: SEATTLE BANK reported 946580.000, in the 11.3th percentile of 905 peers, where the median is 1668765.000. Efficiency ratio (official UBPR): SEATTLE BANK reported 0.545, in the 34.7th percentile of 883 peers, where the median is 0.597. Net interest margin (official UBPR): SEATTLE BANK reported 0.032, in the 23.8th percentile of 883 peers, where the median is 0.036. Interest Income (TE) as a percent of Average Assets: SEATTLE BANK reported 0.065, in the 94.1th percentile of 883 peers, where the median is 0.052. Interest Expense as a percent of Average Assets: SEATTLE BANK reported 0.034, in the 99.3th percentile of 883 peers, where the median is 0.018. Net Interest Income (TE) % of Avg Assets: SEATTLE BANK reported 0.031, in the 28.0th percentile of 883 peers, where the median is 0.034. Noninterest Income as a percent of Average Assets: SEATTLE BANK reported 0.023, in the 94.0th percentile of 883 peers, where the median is 0.006. Non-Interest Expense as a percent of Average Assets: SEATTLE BANK reported 0.030, in the 78.9th percentile of 883 peers, where the median is 0.024. Provision for Loan Losses % of Avg Assets: SEATTLE BANK reported 0.008, in the 96.7th percentile of 883 peers, where the median is 0.001. Pretax Operating Income (TE) % of Avg Assets: SEATTLE BANK reported 0.018, in the 65.5th percentile of 883 peers, where the median is 0.016. Realized Gains(Losses) on the sale of Securities as a percent of Average Assets: SEATTLE BANK reported 0.000, in the 5.2th percentile of 883 peers, where the median is 0.000. Pretax Net Operating Income (TE) as a percent of Average Assets: SEATTLE BANK reported 0.018, in the 65.4th percentile of 883 peers, where the median is 0.016. Net Operating Income as a percent of Average Assets: SEATTLE BANK reported 0.014, in the 63.2th percentile of 883 peers, where the median is 0.012. Net Income Adjusted for Sub Chapter S Status as a percent of Average Assets: SEATTLE BANK reported 0.014, in the 65.9th percentile of 883 peers, where the median is 0.012. Average Earning Assets as a percent of Average Assets: SEATTLE BANK reported 0.983, in the 92.1th percentile of 883 peers, where the median is 0.955. Average Interest-Bearing Funds as a percent of Average Assets: SEATTLE BANK reported 0.844, in the 90.6th percentile of 883 peers, where the median is 0.725. Interest Income (TE) as a percent of Average Earning Assets: SEATTLE BANK reported 0.066, in the 92.3th percentile of 883 peers, where the median is 0.054. Net Interest Income (TE) as a percent of Average Earning Assets: SEATTLE BANK reported 0.032, in the 22.4th percentile of 883 peers, where the median is 0.036. Net Loss as a percent of Average Total Loans and Leases: SEATTLE BANK reported 0.005, in the 90.7th percentile of 873 peers, where the median is 0.000. Total LN&LS-30-89 DAYS Past Due %: SEATTLE BANK reported 0.002, in the 31.7th percentile of 873 peers, where the median is 0.003. Net Loans & Leases as a percent of Total Deposits: SEATTLE BANK reported 0.719, in the 19.9th percentile of 877 peers, where the median is 0.863. Net Income Attributed to Minority Interests as a percent of Average Assets: SEATTLE BANK reported 0.000, in the 0.3th percentile of 883 peers, where the median is 0.000. Unrealized holding gains (losses) on equity securities not held for trading as a percent of average assets: SEATTLE BANK reported 0.000, in the 10.4th percentile of 883 peers, where the median is 0.000. Provision for Losses Other Assets % of Avg Assets: SEATTLE BANK reported -0.001, in the 0.7th percentile of 883 peers, where the median is 0.000. Pre Provision Net Revenue YTD % of Average Assets (TE): SEATTLE BANK reported 0.025, in the 88.0th percentile of 883 peers, where the median is 0.017. Return on assets (official UBPR): SEATTLE BANK reported 0.014, in the 63.2th percentile of 883 peers, where the median is 0.012. Return on equity (official UBPR): SEATTLE BANK reported 0.154, in the 77.1th percentile of 882 peers, where the median is 0.119. Estimated uninsured to domestic deposits: SEATTLE BANK reported 0.247, in the 29.3th percentile of 847 peers, where the median is 0.309.
Peer history below covers 6 quarters of SEATTLE BANK's reported assets, deposits, net loans, ROA, ROE and NIM, most recently Q3 2026.
| Metric | Bank value | Peer median | Percentile | Peers |
|---|---|---|---|---|
| Brokered deposits to domestic deposits | 0.000 | 0.020 | 33.1th | 892 |
| Common equity tier 1 ratio | 0.148 | 0.134 | 68.9th | 701 |
| Selected CRE loans to gross loans and leases | 0.264 | 0.471 | 13.1th | 854 |
| Selected CRE loans to total capital | 1.810 | 2.991 | 16.2th | 686 |
| Domestic secured CRE noncurrent ratio | 0.000 | 0.003 | 0.0th | 874 |
| Deposit funding ratio | 0.898 | 0.854 | 90.0th | 905 |
| Unadjusted YTD efficiency ratio | 0.545 | 0.603 | 33.6th | 889 |
| Bank equity to assets | 0.089 | 0.103 | 21.2th | 897 |
| Cash and securities to assets | 0.326 | 0.211 | 80.3th | 898 |
| Quarterly loan growth | -0.170 | 0.007 | 0.3th | 866 |
| Loan-to-asset ratio | 0.645 | 0.729 | 24.3th | 905 |
| Domestic loans to domestic deposits | 0.736 | 0.874 | 20.7th | 892 |
| Net interest margin | 3.158 | 3.637 | 23.5th | 905 |
| Net loans and leases | 680496.000 | 1391487.000 | 8.1th | 905 |
| Nonaccrual loans ratio | 0.030 | 0.005 | 97.1th | 888 |
| Noncurrent loans ratio | 0.030 | 0.006 | 95.9th | 888 |
| Return on assets | 1.369 | 1.221 | 62.1th | 905 |
| Return on equity | 15.370 | 11.870 | 77.5th | 897 |
| Securities to assets | 0.029 | 0.148 | 7.4th | 898 |
| Time deposits maturing within one year | 0.713 | 0.915 | 12.3th | 882 |
| Total assets | 1054283.000 | 2009091.000 | 5.5th | 905 |
| Total deposits | 946580.000 | 1668765.000 | 11.3th | 905 |
| Efficiency ratio (official UBPR) | 0.545 | 0.597 | 34.7th | 883 |
| Net interest margin (official UBPR) | 0.032 | 0.036 | 23.8th | 883 |
| Interest Income (TE) as a percent of Average Assets | 0.065 | 0.052 | 94.1th | 883 |
| Interest Expense as a percent of Average Assets | 0.034 | 0.018 | 99.3th | 883 |
| Net Interest Income (TE) % of Avg Assets | 0.031 | 0.034 | 28.0th | 883 |
| Noninterest Income as a percent of Average Assets | 0.023 | 0.006 | 94.0th | 883 |
| Non-Interest Expense as a percent of Average Assets | 0.030 | 0.024 | 78.9th | 883 |
| Provision for Loan Losses % of Avg Assets | 0.008 | 0.001 | 96.7th | 883 |
| Pretax Operating Income (TE) % of Avg Assets | 0.018 | 0.016 | 65.5th | 883 |
| Realized Gains(Losses) on the sale of Securities as a percent of Average Assets | 0.000 | 0.000 | 5.2th | 883 |
| Pretax Net Operating Income (TE) as a percent of Average Assets | 0.018 | 0.016 | 65.4th | 883 |
| Net Operating Income as a percent of Average Assets | 0.014 | 0.012 | 63.2th | 883 |
| Net Income Adjusted for Sub Chapter S Status as a percent of Average Assets | 0.014 | 0.012 | 65.9th | 883 |
| Average Earning Assets as a percent of Average Assets | 0.983 | 0.955 | 92.1th | 883 |
| Average Interest-Bearing Funds as a percent of Average Assets | 0.844 | 0.725 | 90.6th | 883 |
| Interest Income (TE) as a percent of Average Earning Assets | 0.066 | 0.054 | 92.3th | 883 |
| Net Interest Income (TE) as a percent of Average Earning Assets | 0.032 | 0.036 | 22.4th | 883 |
| Net Loss as a percent of Average Total Loans and Leases | 0.005 | 0.000 | 90.7th | 873 |
| Total LN&LS-30-89 DAYS Past Due % | 0.002 | 0.003 | 31.7th | 873 |
| Net Loans & Leases as a percent of Total Deposits | 0.719 | 0.863 | 19.9th | 877 |
| Net Income Attributed to Minority Interests as a percent of Average Assets | 0.000 | 0.000 | 0.3th | 883 |
| Unrealized holding gains (losses) on equity securities not held for trading as a percent of average assets | 0.000 | 0.000 | 10.4th | 883 |
| Provision for Losses Other Assets % of Avg Assets | -0.001 | 0.000 | 0.7th | 883 |
| Pre Provision Net Revenue YTD % of Average Assets (TE) | 0.025 | 0.017 | 88.0th | 883 |
| Return on assets (official UBPR) | 0.014 | 0.012 | 63.2th | 883 |
| Return on equity (official UBPR) | 0.154 | 0.119 | 77.1th | 882 |
| Estimated uninsured to domestic deposits | 0.247 | 0.309 | 29.3th | 847 |
Peer interpretation
Under $1B asset cohort · 3148 institutions
Deterministic peer comparison, not a regulatory rating or diagnosis. “Opportunity” means lower favorable percentile within this asset cohort.
Period-matched peer context
Percentiles use 892 verified constituents for the same filing period.
Historical peer positioning
Period-matched asset cohort. Position describes the distribution only; it is not a rating.
| Metric | 2025-06 | 2025-09 | 2025-12 | 2026-03 | 2026-06 | 2026-09 |
|---|---|---|---|---|---|---|
| Total assetsASSET | < P25 | < P25 | < P25 | < P25 | — | — |
| Total depositsDEP | < P25 | < P25 | < P25 | < P25 | — | — |
| Net loansLNLSNET | < P25 | < P25 | < P25 | < P25 | — | — |
| Return on assetsROA | < P25 | < P25 | < P25 | P25–75 | — | — |
| Return on equityROE | < P25 | < P25 | < P25 | > P75 | — | — |
| Net interest marginNIMY | > P75 | > P75 | > P75 | < P25 | — | — |
Cohorts are matched separately for each reporting period. Above or below a peer quartile can be favorable, unfavorable, or neutral depending on the measure and context.