Federation Bank
Washington, IA · Cert 14352 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Washington Bcorp
State charter, non-member · FDIC · 4 branches
Q2 2026
$155.8MAssets
$82.9MLoans
$133.8MDeposits
$14.6MEquity
Executive Summary
- Strongest standing: return on equity outperforms 85% of banks under $1B in assets operating in a single state (rank 115 of 746).
- Widest gap: total risk-based capital ratio trails 88% of banks under $1B in assets operating in a single state (rank 654 of 746).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
1.43%
Rank 197 of 746
Net Interest Margin
4.03%
Rank 238 of 746
Efficiency Ratio
58.67%
Rank 257 of 746
Equity / Assets
9.38%
Rank 510 of 746
Non-interest income vs. expense
Unfavorable gap of $3.3M · efficiency ratio beats 66% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.43% | 0.72% | 1.06% | 1.45% | Beats 74% | 197 / 746 | |
| Return on Equity | 15.26% | 6.74% | 10.51% | 13.63% | Beats 85% | 115 / 746 | |
| Net Interest Margin | 4.03% | 3.17% | 3.68% | 4.16% | Beats 68% | 238 / 746 | |
| Efficiency Ratio | 58.67% | 55.74% | 64.58% | 75.47% | Beats 66% | 257 / 746 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.20% | 0.09% | 0.42% | 1.07% | Beats 66% | 252 / 743 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 71% | 218 / 743 | |
| Capital |
| Tier 1 Capital Ratio | 10.49% | 11.55% | 13.75% | 17.60% | Beats 14% | 644 / 746 | |
| Total Risk-Based Capital Ratio | 10.49% | 11.71% | 14.33% | 18.43% | Beats 12% | 654 / 746 | |
| Equity / Assets | 9.38% | 8.90% | 10.51% | 13.06% | Beats 32% | 510 / 746 | |
| Liquidity & Funding |
| Loans / Deposits | 61.94% | 61.31% | 78.27% | 90.78% | 26th pctl | 555 / 746 | |
| Loans / Assets | 53.19% | 53.60% | 66.97% | 76.08% | 24th pctl | 567 / 746 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |