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This institution is no longer active

Operations ceased on March 29, 2019. CRA examination history below reflects the period it was active.

THE BANK OF WASHINGTON

LYNNWOOD, WA · Supervised by FDIC

Est. 1996FDIC #34,214RSSD: FDIC-34214
Part ofWASHINGTON BCORP INC→ View all charters
Satisfactory Same

Current rating · Exam: June 2013

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.47%

Institution Profile

FDIC BankFind

Address

5901 196th S. W., LYNNWOOD, WA

County

Snohomish County

Established

July 29, 1996

Total Assets

$206M(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, 2013

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 13 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 2018Call Report / FDIC

Total Assets

$206M

Total Deposits

$174M

Net Loans

$171M

Net Income

$945K

ROA

0.47%

ROE

4.74%

Risk-Based Capital

13.51%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

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

Mortgage Denial Rate1.81%Peer avg: 7.63%▲ Above avg

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Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202416679.52%1.81%
202322079.55%4.55%
202227079.26%4.81%
202151883.59%2.90%
202089280.04%5.72%
201945281.42%3.76%
201832967.78%9.12%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

3 previous ratings locked — dating back to 1997

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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