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This institution is no longer active

Operations ceased on February 1, 2008. CRA examination history below reflects the period it was active.

FIRST MUTUAL BANK

BELLEVUE, WA · Supervised by FDIC

Est. 1968FDIC #19,835RSSD: FDIC-19835
Part ofFIRST MUTUAL BANCSHARES INC→ View all charters
Needs to Improve Down

Current rating · Exam: September 2006

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At a Glance

Community Lending (CRA)

Needs to Improve

Has deficiencies in community lending that regulators have identified

Financial Health

Adequate

ROA 0.95%

Institution Profile

FDIC BankFind

Address

400 108th Avenue, N.E., BELLEVUE, WA

County

King County

Established

July 1, 1968

Total Assets

$1.0B(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

Needs to Improve

Has deficiencies in community lending that regulators have identified

Exam Date

September 1, 2006

Exam Type

Large Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 19 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.
Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q4 2007Call Report / FDIC

Total Assets

$1.0B

Total Deposits

$764M

Net Loans

$926M

Net Income

$10M

ROA

0.95%

ROE

11.18%

Risk-Based Capital

11.76%

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 Rate21.43%Peer avg: 9.91%▼ Below avg

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Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20235660.71%21.43%

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

Rating History

CRA / FFIEC

Rating Trend

↓ Declining

Based on last 3 exams

6 previous ratings locked — dating back to 1990

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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