🏦Bank Scorer

1ST SECURITY BANK OF WASHINGTON

MOUNTLAKE TERRACE, WA · Supervised by FDIC

Est. 2004FDIC #57,633RSSD: FDIC-57633
Part ofFS BCORP INC→ View all charters
Satisfactory Same

Current rating · Exam: June 2024

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.08%

Institution Profile

FDIC BankFind

Address

6920 220th St Sw, MOUNTLAKE TERRACE, WA

County

Snohomish County

Established

April 1, 2004

Total Assets

$3.2B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

June 1, 2024

Exam Type

Large Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Jun 2028(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$3.2B

Total Deposits

$2.7B

Net Loans

$2.7B

Net Income

$9M

ROA

1.08%

ROE

9.77%

Risk-Based Capital

13.81%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

Compared to the peer-bank Community peer group (same asset tier).

Mortgage Denial Rate5.46%Peer avg: 9.91%▲ Above avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

29

Branch Deposits

$2.6B

1-Year Change

0

5-year net change: +6 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20242,10771.62%5.46%
20231,79366.59%8.03%
20222,27570.33%3.87%
20214,78576.72%3.55%
20206,24581.12%3.43%
20193,12175.55%6.57%
20182,39182.52%4.81%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

6 previous ratings locked — dating back to 2006

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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