Washington Financial Bank
Washington, PA · Cert 29520 · Peer group: banks $1B-$10B in assets (n=322-328) · WFSB Mutual Holding Co.
SI · FDIC · 10 branches
Q2 2026
$1.4BAssets
$1.1BLoans
$1.2BDeposits
$208.5MEquity
Executive Summary
- Strongest standing: equity / assets outperforms 92% of banks $1B-$10B in assets (rank 26 of 328).
- Widest gap: net charge-offs / loans trails 90% of banks $1B-$10B in assets (rank 292 of 322).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
1.17%
Rank 185 of 328
Net Interest Margin
3.36%
Rank 187 of 328
Efficiency Ratio
60.29%
Rank 175 of 328
Equity / Assets
14.53%
Rank 26 of 328
Non-interest income vs. expense
Unfavorable gap of $27.7M · efficiency ratio beats 47% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.17% | 0.91% | 1.22% | 1.52% | Beats 44% | 185 / 328 | |
| Return on Equity | 8.04% | 8.43% | 11.45% | 14.43% | Beats 21% | 260 / 328 | |
| Net Interest Margin | 3.36% | 3.03% | 3.45% | 3.83% | Beats 43% | 187 / 328 | |
| Efficiency Ratio | 60.29% | 51.61% | 59.56% | 67.53% | Beats 47% | 175 / 328 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.46% | 0.24% | 0.51% | 1.03% | Beats 56% | 142 / 322 | |
| Net Charge-Offs / Loans | 0.29% | 0.01% | 0.03% | 0.10% | Beats 10% | 292 / 322 | |
| Capital |
| Tier 1 Capital Ratio | 14.75% | 11.75% | 13.15% | 15.47% | Beats 69% | 103 / 328 | |
| Total Risk-Based Capital Ratio | 14.75% | 12.63% | 14.15% | 16.46% | Beats 59% | 135 / 328 | |
| Equity / Assets | 14.53% | 9.15% | 10.33% | 12.01% | Beats 92% | 26 / 328 | |
| Liquidity & Funding |
| Loans / Deposits | 87.96% | 76.63% | 87.92% | 95.36% | 50th pctl | 161 / 323 | |
| Loans / Assets | 74.21% | 65.18% | 74.15% | 79.98% | 51st pctl | 162 / 328 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |