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First Sound Bank

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First Sound Bank Rates & Review June 2026

Q: How many branches does First Sound Bank operate?

First Sound Bank currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, First Sound Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, First Sound Bank provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: June 25, 2026

You can compare First Sound Bank rates to other rates in our database, including 12-month CD rates currently at 3.00%, 6-month CD rates at 3.75% and 3-month CD rates at 0.30%. Savings rates are at 0.20% and money market rates are at 0.85%. Mortgage rates on 30-year fixed loans are around 6.07%. All these rates can be compared to First Sound Bank rates. MonitorBankRates evaluates the financial stability of First Sound Bank with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 9.17%. Rates were last updated on 06/25/2026.

First Sound Bank money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at First Sound Bank? Share your experience about First Sound Bank by leaving a review below, or read customer reviews before you decide to use First Sound Bank.

Overall Health & Safety Grade

Excellent Health Score: 95/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

9.17%

Excellent Higher than avg

First Sound Bank

925 4th Ave
Seattle, WA 98104

Current Rate Availability

We do not have First Sound Bank rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for First Sound Bank is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather First Sound Bank rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with First Sound Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name First Sound Bank

FDIC Certificate # 57799

Address 925 4th Ave, Seattle, WA 98104 · King

Website https://www.firstsoundbank.com

Established 07/19/2004

FDIC Insurance Date 07/19/2004

Domestic Offices 1

Total Branches 0

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

Overall Health Grade Score: 95/100

5.0

Exceptional Out of 5.0 Stars

9.17%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 0.1433%

Return on Equity (ROE) 1.6000%

Non-Performing Loans (NPL) 0.89%

Total Assets $154,808,000

Total Deposits $111,976,000

Equity Capital $14,898,000

Net Income $-203,000

Headquarters Seattle

Total Branches and Offices 1

Source: FDIC | Last Updated 03/31/2024

Customer Reviews

There are no reviews for First Sound Bank yet. Feel free to create one below.

Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.

Average Rating

☆☆☆☆☆

Total Reviews

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Frequently Asked Questions About First Sound Bank

How many branches does First Sound Bank operate?

First Sound Bank currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, First Sound Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, First Sound Bank provides members with tools to manage their accounts and build a solid financial history.

Does First Sound Bank offer online and mobile banking?

Most modern institutions like First Sound Bank provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.firstsoundbank.com.