Commencement Bank (FDIC #58446): Bank Stress & Real-Estate Credit Exposure

Commencement Bank (FDIC Cert #58446): bank stress 74/100, elevated, STABLE over 7 days; parent COMMENCEMENT BCORP INC.

Commencement Bank (#58446) lends in 3 counties across 1 state; Commencement Bank (#58446) reaches 160 ZIP codes: Washington 3 counties, 160 ZIPs.

Commencement Bank (#58446) largest markets: King County, WA (178 branches, 89 ZIPs) (#58446), Pierce County, WA (180 branches, 60 ZIPs) (#58446), Thurston County, WA (16 branches, 16 ZIPs) (#58446).

Commencement Bank (#58446) reports $739.6 million in total assets; Commencement Bank (#58446) equity $67.1 million (9.1% of Commencement Bank (#58446) assets); Commencement Bank (#58446) domestic deposits $660.2 million; Commencement Bank (#58446) net income $3.5 million; Commencement Bank (#58446) return on assets 0.99%; Commencement Bank (#58446) return on equity 11.14%; Commencement Bank (#58446) net interest income $13.9 million; Commencement Bank (#58446) call report June 30, 2026.

Commencement Bank (#58446) noncurrent real-estate loans: none reported; Commencement Bank (#58446) net charge-offs on real estate 0.00%.

Commencement Bank (#58446) net interest margin 4.28% against an eight-quarter Commencement Bank (#58446) average of 3.91% (Commencement Bank (#58446) compression -0.36 points); Commencement Bank (#58446) rate-exposure score 40/100, Commencement Bank (#58446) fixed-rate trap 40/100; Commencement Bank (#58446) risk type credit driven; Commencement Bank (#58446) rate regime rates elevated, Commencement Bank (#58446) snapshot October 20, 2026.

Commencement Bank (#58446) stress score held at 74 across 117 daily snapshots, June 22, 2026 to October 20, 2026.

Commencement Bank (#58446) alerts: 3 counties; top Commencement Bank (#58446) alert scores: Enumclaw County, WA 24 (low); Olympia County, WA 24 (low); Tacoma County, WA 24 (low).