Washington Savings Bank
Effingham, IL · Cert 29227 · Peer group: banks under $1B in assets in IL (n=149-151) · Washington Savings MHC
SI · FDIC · 4 branches
Q2 2026
$585.3MAssets
$356.1MLoans
$504.4MDeposits
$67.4MEquity
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 75% of banks under $1B in assets in IL (rank 37 of 151).
- Widest gap: net interest margin trails 95% of banks under $1B in assets in IL (rank 144 of 151).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
0.78%
Rank 106 of 151
Net Interest Margin
2.53%
Rank 144 of 151
Efficiency Ratio
66.67%
Rank 89 of 151
Equity / Assets
11.51%
Rank 50 of 151
Non-interest income vs. expense
Unfavorable gap of $9.2M · efficiency ratio beats 42% of banks under $1B in assets in IL | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.78% | 0.70% | 1.03% | 1.34% | Beats 30% | 106 / 151 | |
| Return on Equity | 6.74% | 6.74% | 9.34% | 12.94% | Beats 25% | 114 / 151 | |
| Net Interest Margin | 2.53% | 3.02% | 3.43% | 3.83% | Beats 5% | 144 / 151 | |
| Efficiency Ratio | 66.67% | 54.64% | 64.89% | 72.50% | Beats 42% | 89 / 151 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.29% | 0.20% | 0.66% | 1.77% | Beats 66% | 51 / 149 | |
| Net Charge-Offs / Loans | 0.04% | 0.00% | 0.02% | 0.07% | Beats 35% | 98 / 149 | |
| Capital |
| Tier 1 Capital Ratio | 19.02% | 11.83% | 14.17% | 18.66% | Beats 75% | 37 / 151 | |
| Total Risk-Based Capital Ratio | 19.92% | 12.22% | 14.54% | 19.92% | Beats 75% | 38 / 151 | |
| Equity / Assets | 11.51% | 9.10% | 10.65% | 12.40% | Beats 67% | 50 / 151 | |
| Liquidity & Funding |
| Loans / Deposits | 70.61% | 54.39% | 71.02% | 80.75% | 48th pctl | 78 / 149 | |
| Loans / Assets | 60.84% | 45.91% | 61.31% | 68.01% | 48th pctl | 79 / 151 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |