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1st Security Bank of Washington
Mountlake Terrace, WA·FDIC Cert #57633·Charter: STATE·Est. 20040401.0·HC: FS BCORP INC
Total Assets
$3.2B
Q4 2025
Return on Assets
1.14%
+0.01%Peer avg: 1.25%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
63.22%
Peer avg: 57.8%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
52
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.14%+0.01
ROE
10.35%+0.06
Efficiency
63.22%-0.79
Equity/Assets
0.00%+0.00
NPL Ratio
0.70%+0.01
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
99.09%+1.44
Charge-offs
0.34%-0.01
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 1.2 | 1.2 | 1.3 | 1.2 | 1.1 | 1.1 | 1.1 | 1.1 |
| ROE | 11.4 | 11.6 | 12.1 | 11.4 | 10.0 | 9.8 | 10.3 | 10.3 |
| Efficiency | 51.1 | 56.2 | 59.1 | 60.5 | 65.9 | 65.4 | 64.0 | 63.2 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.5 | 0.5 | 0.4 | 0.5 | 0.6 | 0.7 | 0.7 | 0.7 |
| Charge-offs | 0.2 | 0.2 | 0.2 | 0.2 | 0.3 | 0.2 | 0.4 | 0.3 |
| Loan/Deposit | 99.1 | 104.5 | 102.7 | 107.2 | 96.2 | 102.7 | 97.7 | 99.1 |
Balance Sheet
Total Assets$3.2B
Total Deposits$2.7B
Total Loans$2.7B
Total Equity$349.5M
Profitability
ROA1.14%
ROE10.35%
Efficiency Ratio63.22%
Net Income$35.6M
Risk & Asset Quality
NPL Ratio0.70%
Charge-off Rate0.34%
Loan/Deposit99.09%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans