Washington, IA · Cert 14352 · Washington Bcorp
State charter, non-member · FDIC · 4 branches
Q2 2026
Market Position · Iowa City, IA · 2026 SOD (annual) · 2.0% share · #8 of 20 inst. · $0.1B of $5.9B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.72% | 0.66% | 0.68% | 0.80% | 0.86% | 0.91% | 1.71% | 1.45% | +65 bps | |
| Return on Equity | 9.55% | 8.70% | 8.78% | 10.14% | 10.44% | 10.73% | 17.87% | 15.30% | +516 bps | |
| Net Interest Margin | 3.20% | 3.13% | 3.25% | 3.34% | 3.42% | 3.39% | 4.45% | 4.03% | +69 bps | |
| Efficiency Ratio | 77.03% | 78.24% | 76.87% | 72.97% | 71.41% | 69.99% | 55.67% | 58.67% | -1,430 bps | |
| Non-Interest Burden | 2.37% | 2.39% | 2.41% | 2.32% | 2.32% | 2.26% | 2.28% | 2.17% | -15 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 7.37% | -3.25% | 5.86% | 6.55% | -4.29% | 5.66% | -1.42% | 4.62% | -193 bps | |
| Loan Growth (YoY) | -2.67% | 5.15% | 9.66% | 10.17% | 11.04% | 11.14% | 6.78% | 10.74% | +57 bps | |
| Deposit Growth (YoY) | 4.19% | -4.81% | 5.69% | 6.08% | -4.75% | 3.75% | -2.61% | 3.61% | -247 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.32% | 0.34% | 0.25% | 0.94% | 0.35% | 0.28% | 0.40% | 0.20% | -74 bps | |
| Net Charge-Offs / Loans | -0.06% | -0.04% | -0.02% | -0.01% | -0.01% | 0.00% | -0.13% | -0.06% | -5 bps | |
| Allowance / Loans | 1.69% | 1.61% | 1.56% | 1.59% | 1.52% | 1.46% | 1.49% | 1.47% | -12 bps | |
| Allowance Coverage of NPLs | 5.2x | 4.8x | 6.3x | 1.7x | 4.3x | 5.3x | 3.8x | 7.3x | +5.6x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.86% | 9.59% | 9.66% | 9.80% | 10.07% | 10.01% | 10.52% | 10.49% | +69 bps | |
| Total Risk-Based Capital | 9.86% | 9.59% | 9.66% | 9.80% | 10.07% | 10.01% | 10.52% | 10.49% | +69 bps | |
| Equity / Assets | 8.23% | 7.69% | 7.86% | 8.22% | 9.33% | 9.43% | 9.69% | 9.38% | +116 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 52.16% | 57.81% | 56.16% | 57.95% | 60.81% | 61.93% | 61.58% | 61.94% | +399 bps | |
| Liquid Assets / Assets | 5.54% | 0.14% | 3.72% | 2.66% | 1.99% | 5.10% | 4.84% | 7.34% | +467 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 37.09% | 43.75% | 48.89% | n/a | n/a | |