# WASHINGTON FED BK FOR SVG
CHICAGO, IL · FDIC certificate 30570 · asset band <$300M · latest filing 2017-09 · FAILED

**Verdict on the desk:** this could be *fortress*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $166.3M | |
| Deposits | $144.0M | |
| Loans and leases | $136.6M | |
| Total equity | $21.1M | |
| Loans / deposits | 94.51% (p83 of band) | 76.19% |
| Liquid assets / assets | 14.15% (p13 of band) | |
| Uninsured deposits / deposits | 10.59% (p30 of band) | 14.99% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p17 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 12.64% (p70 of band) | 11.02% |
| Unrealized securities loss / equity | 0.00% (p46 of band) | 0.02% |
| AOCI / equity | 0.00% (p13 of band) | |
| ROA (annualized) | 1.44% (p81 of band) | 0.90% |
| Net interest margin | 4.57% (p90 of band) | 3.71% |
| Efficiency ratio | 46.58% (p5 of band) | |
| Noncurrent loans | 0.00% (p8 of band) | 0.62% |
| Net charge-offs (annualized) | 0.00% (p33 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 100% | |
| Construction % of loans | 18.88% (p53 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 8.4% | |
| Employees | 16 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | liquid assets <10% |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 2 | uninsured deposits leaving |  |
| 2012-06 | 0 |  | liquid assets <10%, uninsured deposits leaving |
| 2012-09 | 1 | liquid assets <10% |  |
| 2012-12 | 0 |  | liquid assets <10% |
| 2013-03 | 1 | capital falling |  |
| 2013-06 | 0 |  | capital falling |
| 2013-09 | 0 |  |  |
| 2013-12 | 1 | liquid assets <10% |  |
| 2014-03 | 0 |  | liquid assets <10% |
| 2014-06 | 0 |  |  |
| 2014-09 | 1 | liquid assets <10% |  |
| 2014-12 | 0 |  | liquid assets <10% |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 1 | liquid assets <10% |  |
| 2015-12 | 0 |  | liquid assets <10% |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- nothing found for that search

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=30570 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/42.json (key "30570", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide