MOUNTLAKE TERRACE, WA · Supervised by FDIC
Contact & Details
FDIC BankFindWebsite
Address
County
Established
Total Assets
Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.
Overall Rating
Meets federal requirements for community lending
Exam Date
Exam Type
Regulator
Total Assets
$3.2B
Total Deposits
$2.7B
Net Loans
$2.7B
Net Income
$9M
ROA
1.08%
Above avg for Community banks. Peer avg: 0.90%
ROE
9.77%
Risk-Based Capital
13.81%
Above avg for Community banks. Regulatory min: 8%
Total Assets — Last 8 Quarters
Compared to the peer-bank Community peer group (same asset tier).
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| Year | Applications | Orig. Rate | Denial Rate |
|---|---|---|---|
| 2024 | 2,107 | 71.62% | 5.46% |
| 2023 | 1,793 | 66.59% | 8.03% |
| 2022 | 2,275 | 70.33% | 3.87% |
| 2021 | 4,785 | 76.72% | 3.55% |
| 2020 | 6,245 | 81.12% | 3.43% |
| 2019 | 3,121 | 75.55% |
| Exam Date | Rating | Exam Type |
|---|---|---|
| Jun 2024 | Satisfactory | Large Bank |
| May 2020 | Satisfactory | Intermediate Small Bank |
| Aug 2017 | Satisfactory | Intermediate Small Bank |
4 previous ratings locked — back to 2006
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Total Branches
29
Branch Deposits
$2.6B
1-Year Change
0
5-year net change: +6 branches
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Preview:
| 6.57% |
| 2018 | 2,391 | 82.52% | 4.81% |
Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Community bank avg: 10.20% · above-average shown in red