Commencement Bank (FDIC certificate #58446) is based in Tacoma, Washington. Its Q2 2026 call report shows $739.6M in total assets and $660.2M in deposits and 6 offices.
Commencement Bank has a TellerScore of 69 out of 100 (moderate) based on Q2 2026 data — higher than only 40% of its 2,650 banks with $100 million – $1 billion. Among 29 banks headquartered in Washington, it ranks 12th. Problem-loan coverage contributes the most (99/100, 0.7%); funding & liquidity contributes the least (45/100, 83% loans-to-deposits, 44% uninsured).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 3 points (66 → 69), mostly because the capital cushion component improved by 7 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 62 |
| Q3 2024 | 63 |
| Q4 2024 | 64 |
| Q1 2025 | 67 |
| Q2 2025 | 66 |
| Q3 2025 | 64 |
| Q4 2025 | 65 |
| Q1 2026 | 65 |
| Q2 2026 | 69 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.18% |
| Q3 2024 | 9.79% |
| Q4 2024 | 9.49% |
| Q1 2025 | 9.69% |
| Q2 2025 | 9.56% |
| Q3 2025 | 9.30% |
| Q4 2025 | 9.45% |
| Q1 2026 | 9.69% |
| Q2 2026 | 10.30% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.11% |
| Q3 2024 | 0.01% |
| Q4 2024 | 0.00% |
| Q1 2025 | 0.02% |
| Q2 2025 | 0.00% |
| Q3 2025 | 0.00% |
| Q4 2025 | 0.25% |
| Q1 2026 | 0.09% |
| Q2 2026 | 0.09% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.52% |
| Q3 2024 | 0.55% |
| Q4 2024 | 0.49% |
| Q1 2025 | 0.82% |
| Q2 2025 | 0.85% |
| Q3 2025 | 0.94% |
| Q4 2025 | 1.01% |
| Q1 2026 | 0.96% |
| Q2 2026 | 0.99% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 69 | $739.6M | 10.30% | 0.09% | 0.99% | 83.3% |
| Q1 2026 | 65 | $697.3M | 9.69% | 0.09% | 0.96% | 85.5% |
| Q4 2025 | 65 | $683.1M | 9.45% | 0.25% | 1.01% | 84.9% |
| Q3 2025 | 64 | $676.1M | 9.30% | 0.00% | 0.94% | 83.5% |
| Q2 2025 | 66 | $681.5M | 9.56% | 0.00% | 0.85% | 84.3% |
| Q1 2025 | 67 | $643.8M | 9.69% | 0.02% | 0.82% | 80.8% |
| Q4 2024 | 64 | $649.6M | 9.49% | 0.00% | 0.49% | 78.0% |
| Q3 2024 | 63 | $627.0M | 9.79% | 0.01% | 0.55% | 81.0% |
| Q2 2024 | 62 | $596.7M | 10.18% | 0.11% | 0.52% | 85.7% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Washington
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Baker-Boyer National BankBank Walla Walla, WA | 66 out of 100, Moderate | $692.9M | 9.3% | 0.42% | vs |
| Seattle BankBank Seattle, WA | 42 out of 100, Below average | $891.4M | 10.3% | 2.81% | vs |
| Mountain Pacific BankBank Everett, WA | 70 out of 100, Strong | $896.4M | 11.5% | 0.67% | vs |
| UniBankBank Lynnwood, WA | 50 out of 100, Below average | $393.0M | 7.3% | 0.54% | vs |
| Pacific Crest BankBank Lynnwood, WA | 66 out of 100, Moderate | $318.5M | 11.1% | 0.47% | vs |
| RiverBankBank Spokane, WA | 77 out of 100, Strong | $310.2M | 11.3% | 0.31% | vs |
Deposit insurance
Is my money safe at Commencement Bank?
Yes. Commencement Bank is an FDIC-insured institution (FDIC certificate #58446). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 44.0% of deposits ($290.2M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 10.30%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.15% (benchmark: 10%).
6 locations
Branches
Commencement Bank lists 5 offices in 5 cities. Most locations:
- Auburn, WA (1)
- Enumclaw, WA (1)
- Gig Harbor, WA (1)
- Olympia, WA (1)
- Tacoma, WA (1)
Identity & history
Profile
- Legal name
- Commencement Bank
- Type
- State-chartered bank (Fed member)
- FDIC certificate #
- 58446
- RSSD ID
- 3537897
- Primary regulator
- FED
- Holding company
- Commencement Bcorp Inc
- Established
- December 11, 2006
- Headquarters
- 1313 Broadway, Suite 400, Tacoma, WA 98402
- Website
- www.commencementbank.com
- Employees
- 83
Quick answers
Commencement Bank: common questions
Is Commencement Bank FDIC insured?
Yes. Commencement Bank is an FDIC-insured institution (FDIC certificate #58446). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Commencement Bank's TellerScore?
69 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Commencement Bank ever failed?
There is no failure record for FDIC certificate #58446 in the FDIC failed bank list.
How many branches does Commencement Bank have?
6 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Tacoma
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Operating Engineers Local Union #3 Federal Credit UnionCredit union Livermore, CA | 92 out of 100, Very strong | $1.7B | 15.5% | 0.60% | vs |
| Cascade Federal Credit UnionCredit union Kent, WA | 88 out of 100, Very strong | $392.6M | 13.3% | 0.79% | vs |
| Tacoma Longshoremen Credit UnionCredit union Tacoma, WA | 84 out of 100, Strong | $116.9M | 13.6% | 0.07% | vs |
| Armed Forces Bank, National AssociationBank Fort Leavenworth, KS | 83 out of 100, Strong | $1.4B | 13.9% | 1.21% | vs |
| Sound Banking CompanyBank Lakewood, WA | 82 out of 100, Strong | $45.2M | 12.1% | 0.00% | vs |
| Our Community Credit UnionCredit union Shelton, WA | 82 out of 100, Strong | $638.3M | 12.7% | 0.48% | vs |