Sound Community Bank (FDIC #57451): Bank Stress & Real-Estate Credit Exposure
Sound Community Bank (FDIC Cert #57451): bank stress 70/100, elevated, STABLE over 7 days; parent SOUND FINANCIAL BCORP INC.
Sound Community Bank (#57451) lends in 5 counties across 1 state; Sound Community Bank (#57451) reaches 188 ZIP codes: Washington 5 counties, 188 ZIPs.
Sound Community Bank (#57451) largest markets: King County, WA (267 branches, 89 ZIPs) (#57451), Pierce County, WA (60 branches, 60 ZIPs) (#57451), Snohomish County, WA (30 branches, 30 ZIPs) (#57451), Clallam County, WA (27 branches, 9 ZIPs) (#57451), Jefferson County, WA (9 branches, 9 ZIPs) (#57451).
Sound Community Bank (#57451) reports $1.07 billion in total assets; Sound Community Bank (#57451) equity $117.1 million (11.0% of Sound Community Bank (#57451) assets); Sound Community Bank (#57451) domestic deposits $937.1 million; Sound Community Bank (#57451) net income $4.7 million; Sound Community Bank (#57451) return on assets 0.87%; Sound Community Bank (#57451) return on equity 8.13%; Sound Community Bank (#57451) net interest income $19.1 million; Sound Community Bank (#57451) call report June 30, 2026.
Sound Community Bank (#57451) noncurrent real-estate loans: none reported; Sound Community Bank (#57451) net charge-offs on real estate 0.96%; Sound Community Bank (#57451) multifamily charge-offs 1.90%; Sound Community Bank (#57451) residential charge-offs 0.52%.
Sound Community Bank (#57451) net interest margin 3.70% against an eight-quarter Sound Community Bank (#57451) average of 3.47% (Sound Community Bank (#57451) compression -0.24 points); Sound Community Bank (#57451) non-residential real estate 52.2% of equity; Sound Community Bank (#57451) rate-exposure score 40/100, Sound Community Bank (#57451) fixed-rate trap 40/100; Sound Community Bank (#57451) risk type credit driven; Sound Community Bank (#57451) rate regime rates elevated, Sound Community Bank (#57451) snapshot October 19, 2026.
Sound Community Bank (#57451) stress score moved from 73.7 on June 22, 2026 to 69.7 on October 20, 2026; Sound Community Bank (#57451) ranged 69.7 to 73.7 over 117 snapshots.
Sound Community Bank (#57451) alerts: 5 counties; top Sound Community Bank (#57451) alert scores: Mountlake Terrace County, WA 23 (low); Port Ludlow County, WA 23 (low); Seattle County, WA 23 (low); Sequim County, WA 23 (low); University Place County, WA 23 (low).