TellerScore

Sound Community Bank (FDIC certificate #57451) is based in Seattle, Washington. Its Q2 2026 call report shows $1.1B in total assets and $937.1M in deposits and 9 offices.

Based on its Q2 2026 filing, Sound Community Bank scores 64/100, which we describe as moderate. That is higher than only 33% of 897 banks with $1 billion – $10 billion. Among 29 banks headquartered in Washington, it ranks 18th. Its strongest component is problem-loan coverage (87/100; 6.4%), and its lowest is earnings (55/100; 0.87%).

TellerScore · Q2 2026

Scorecard

Capital cushion59/100
Tier 1 leverage ratio: 10.93%
Loan quality70/100
Noncurrent loans ÷ total loans: 0.90%
Earnings55/100
Return on assets (annualized): 0.87%
Funding & liquidity60/100
Loans ÷ deposits and uninsured-deposit share: 94.5% · 20.2% uninsured
Problem-loan coverage87/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 6.44%

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 fell 3 points (67 → 64), mostly because the loan quality component weakened by 18 points.

TellerScore
596468Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202459
Q3 202459
Q4 202459
Q1 202559
Q2 202567
Q3 202568
Q4 202566
Q1 202662
Q2 202664
Tier 1 leverage ratio
5.00%7.97%10.93%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202410.58%
Q3 202410.40%
Q4 202410.60%
Q1 202510.76%
Q2 202510.60%
Q3 202510.71%
Q4 202510.93%
Q1 202610.62%
Q2 202610.93%
Noncurrent loans
0.30%0.69%1.08%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20241.00%
Q3 20240.94%
Q4 20240.83%
Q1 20251.08%
Q2 20250.37%
Q3 20250.30%
Q4 20250.64%
Q1 20260.80%
Q2 20260.90%
Return on assets
0.41%0.64%0.87%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.41%
Q3 20240.45%
Q4 20240.55%
Q1 20250.57%
Q2 20250.73%
Q3 20250.74%
Q4 20250.79%
Q1 20260.68%
Q2 20260.87%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202664$1.1B10.93%0.90%0.87%94.5%
Q1 202662$1.1B10.62%0.80%0.68%93.7%
Q4 202566$1.1B10.93%0.64%0.79%94.1%
Q3 202568$1.1B10.71%0.30%0.74%99.2%
Q2 202567$1.1B10.60%0.37%0.73%98.8%
Q1 202559$1.1B10.76%1.08%0.57%95.7%
Q4 202459$993.8M10.60%0.83%0.55%106.0%
Q3 202459$1.1B10.40%0.94%0.45%95.5%
Q2 202459$1.1B10.58%1.00%0.41%96.8%

897 peers · $1 billion – $10 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).

Capital ratio10.93%
59th
Total risk-based capital0.00%
13th
Problem loans0.90%
30th
Net charge-offs0.01%
65th
Return on assets0.87%
22nd
Net interest margin3.70%
50th
Efficiency ratio71.9%
18th
Loans to deposits94.5%
28th
Uninsured deposits20.2%
82nd
Loan-loss reserves0.94%
24th
Texas ratio6.4%
30th

Similar-size banks in Washington

InstitutionScoreAssetsCapitalProblem loansCompare
Olympia Federal Savings and Loan AssociationBank Olympia, WA68 out of 100, Moderate$1.0B12.2%0.26%vs
Riverview BankBank Vancouver, WA54 out of 100, Below average$1.5B11.0%0.80%vs
Yakima Federal Savings and Loan AssociationBank Yakima, WA86 out of 100, Very strong$2.0B28.1%0.28%vs
Timberland BankBank Hoquiam, WA78 out of 100, Strong$2.1B12.9%0.56%vs
First Fed BankBank Port Angeles, WA49 out of 100, Below average$2.1B9.6%1.28%vs
Cashmere Valley BankBank Cashmere, WA79 out of 100, Strong$2.3B12.5%0.35%vs

Deposit insurance

Is my money safe at Sound Community Bank?

Yes. Sound Community Bank is an FDIC-insured institution (FDIC certificate #57451). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 20.2% of deposits ($188.9M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.93%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

9 locations

Branches

Sound Community Bank lists 8 offices in 6 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Sound Community Bank reported 264 home-loan applications under HMDA (LEI 549300U8DCOOTG96YM89): 180 originated ($40,390,000 total), 64 denied, and 18 withdrawn or closed by the applicant. Its denial rate on decided applications was 26.0%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Sound Community Bank
Type
State-chartered bank
FDIC certificate #
57451
RSSD ID
429487
Primary regulator
FDIC
Holding company
Sound Financial Bcorp Inc
Established
January 1, 1953
Headquarters
2400 3rd Ave, Seattle, WA 98121
Employees
112

Quick answers

Sound Community Bank: common questions

Is Sound Community Bank FDIC insured?

Yes. Sound Community Bank is an FDIC-insured institution (FDIC certificate #57451). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Sound Community Bank's TellerScore?

64 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 Sound Community Bank ever failed?

There is no failure record for FDIC certificate #57451 in the FDIC failed bank list.

How many branches does Sound Community Bank have?

9 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Seattle

InstitutionScoreAssetsCapitalProblem loansCompare
Topeka Firemen'S Credit UnionCredit union Topeka, KS92 out of 100, Very strong$11.7M25.8%0.03%vs
Cascade Federal Credit UnionCredit union Kent, WA88 out of 100, Very strong$392.6M13.3%0.79%vs
American Continental BankBank City Of Industry, CA87 out of 100, Very strong$385.3M16.2%0.37%vs
GBC International BankBank Los Angeles, CA83 out of 100, Strong$658.5M15.9%0.26%vs
Our Community Credit UnionCredit union Shelton, WA82 out of 100, Strong$638.3M12.7%0.48%vs
Beal Bank USABank Las Vegas, NV80 out of 100, Strong$11.0B21.9%0.78%vs