PackageTrendsPeer
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Washington Savings Bank

Lowell, MA · Cert 90229 · Peer group: banks under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (n=28-29)

State charter, Fed member · FED · 2 branches

Q2 2026

$302.3MAssets
$236.7MLoans
$249.3MDeposits
$29.3MEquity

Executive Summary

  • Strongest standing: total risk-based capital ratio outperforms 72% of banks under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (rank 8 of 29).
  • Widest gap: return on assets trails 76% of banks under $1B in assets in the Boston-Cambridge-Newton, MA-NH area (rank 22 of 29).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

0.23%

Rank 22 of 29

Net Interest Margin

2.47%

Rank 21 of 29

Efficiency Ratio

90.15%

Rank 20 of 29

Equity / Assets

9.70%

Rank 15 of 29

Non-interest income vs. expense

$1.0M$7.6MINCOMEEXPENSE
Unfavorable gap of $6.7M · efficiency ratio beats 34% of banks under $1B in assets in the Boston-Cambridge-Newton, MA-NH area
Bank 90.15%Peer median 84.1%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.23%0.23%0.39%0.50%Beats 24%22 / 29
Return on Equity2.35%2.29%3.46%5.78%Beats 28%21 / 29
Net Interest Margin2.47%2.42%2.71%3.01%Beats 28%21 / 29
Efficiency Ratio90.15%78.96%84.14%93.09%Beats 34%20 / 29
Asset Quality
Nonperforming Loans / Loans0.29%0.03%0.13%0.43%Beats 38%19 / 29
Net Charge-Offs / Loans0.00%n/a0.00%0.00%Beats 48%18 / 29
Capital
Tier 1 Capital Ratio16.92%11.54%13.48%16.99%Beats 69%9 / 29
Total Risk-Based Capital Ratio17.87%11.54%14.44%17.87%Beats 72%8 / 29
Equity / Assets9.70%8.70%9.70%11.05%Beats 48%15 / 29
Liquidity & Funding
Loans / Deposits94.97%84.22%92.17%95.56%68th pctl9 / 28
Loans / Assets78.30%69.12%73.70%81.02%66th pctl10 / 29
Brokered Deposits / Depositsn/aNot reported for this institution