Washington Business Bank
Olympia, WA · Cert 57167 · Peer group: banks under $1B in assets (n=553-600)
FDIC · 1 branch
Q3 2024
$93.2MAssets
$81.3MLoans
$67.7MDeposits
$17.1MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets (rank 84 of 553).
- Widest gap: return on equity trails 42% of banks under $1B in assets (rank 253 of 599).
- Overall: at or above the peer median on 9 of 9 directional measures.
Return on Assets
1.64%
Rank 88 of 600
Net Interest Margin
4.72%
Rank 41 of 599
Efficiency Ratio
61.53%
Rank 161 of 599
Equity / Assets
18.39%
Rank 71 of 599
Non-interest income vs. expense
Unfavorable gap of $2.8M · efficiency ratio beats 73% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.64% | 0.46% | 0.79% | 1.24% | Beats 85% | 88 / 600 | | |
| Return on Equity | 8.91% | 4.80% | 8.06% | 11.58% | Beats 58% | 253 / 599 | | |
| Net Interest Margin | 4.72% | 2.69% | 3.18% | 3.78% | Beats 93% | 41 / 599 | | |
| Efficiency Ratio | 61.53% | 60.70% | 71.81% | 83.57% | Beats 73% | 161 / 599 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.07% | 0.33% | 0.86% | Beats 100% | 84 / 553 | | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.02% | 0.08% | Beats 100% | 129 / 553 | | |
| Capital |
| Tier 1 Capital Ratio | 22.89% | 11.16% | 13.46% | 17.80% | Beats 84% | 95 / 599 | | |
| Total Risk-Based Capital Ratio | 23.76% | 11.63% | 14.22% | 18.75% | Beats 84% | 96 / 599 | | |
| Equity / Assets | 18.39% | 8.41% | 10.03% | 12.90% | Beats 88% | 71 / 599 | | |
| Liquidity & Funding |
| Loans / Deposits | 120.00% | 64.78% | 79.25% | 91.89% | 99th pctl | 6 / 562 | | |
| Loans / Assets | 87.22% | 56.05% | 67.49% | 76.84% | 96th pctl | 20 / 553 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |