Washington State Bank
Washington, IL · Cert 16667 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · R&B Management Corp.
State charter, non-member · FDIC · 1 branch
Q2 2026
$79.1MAssets
$30.6MLoans
$70.2MDeposits
$5.6MEquity
Executive Summary
- Strongest standing: efficiency ratio outperforms 68% of banks under $1B in assets operating in a single state (rank 238 of 746).
- Widest gap: total risk-based capital ratio trails 99% of banks under $1B in assets operating in a single state (rank 735 of 746).
- Overall: at or above the peer median on 2 of 9 directional measures.
Return on Assets
0.77%
Rank 534 of 746
Net Interest Margin
2.16%
Rank 721 of 746
Efficiency Ratio
57.72%
Rank 238 of 746
Equity / Assets
7.10%
Rank 694 of 746
Non-interest income vs. expense
Unfavorable gap of $0.9M · efficiency ratio beats 68% 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 | 0.77% | 0.72% | 1.06% | 1.45% | Beats 28% | 534 / 746 | |
| Return on Equity | 10.84% | 6.74% | 10.51% | 13.63% | Beats 53% | 348 / 746 | |
| Net Interest Margin | 2.16% | 3.17% | 3.68% | 4.16% | Beats 3% | 721 / 746 | |
| Efficiency Ratio | 57.72% | 55.74% | 64.58% | 75.47% | Beats 68% | 238 / 746 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.03% | 0.09% | 0.42% | 1.07% | Beats 26% | 553 / 743 | |
| Net Charge-Offs / Loans | 0.10% | 0.00% | 0.01% | 0.05% | Beats 14% | 637 / 743 | |
| Capital |
| Tier 1 Capital Ratio | 9.10% | 11.55% | 13.75% | 17.60% | Beats 1% | 735 / 746 | |
| Total Risk-Based Capital Ratio | 9.10% | 11.71% | 14.33% | 18.43% | Beats 1% | 735 / 746 | |
| Equity / Assets | 7.10% | 8.90% | 10.51% | 13.06% | Beats 7% | 694 / 746 | |
| Liquidity & Funding |
| Loans / Deposits | 43.62% | 61.31% | 78.27% | 90.78% | 7th pctl | 693 / 746 | |
| Loans / Assets | 38.71% | 53.60% | 66.97% | 76.08% | 8th pctl | 689 / 746 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |