Washington, LA · Cert 9326 · Washington St Bancshares Inc.
State charter, non-member · FDIC · 7 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets (n=581 to 629). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
55
Asset Quality
15
Profitability
52
Liquidity
91
Efficiency
58
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Washington, LA · Cert 9326 · Washington St Bancshares Inc.
State charter, non-member · FDIC · 7 branches
Q2 2026
Market Position · Lafayette, LA · 2026 SOD (annual) · 0.2% share · #37 of 41 inst. · $0.0B of $12.2B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.99% | 1.04% | 1.11% | 1.10% | 1.25% | 1.20% | 1.09% | 0.88% | -21 bps | |
| Return on Equity | 10.22% | 10.74% | 11.33% | 11.11% | 12.44% | 11.82% | 10.17% | 8.28% | -283 bps | |
| Net Interest Margin | 3.67% | 3.64% | 3.74% | 3.78% | 3.97% | 4.01% | 4.06% | 4.09% | +31 bps | |
| Efficiency Ratio | 65.83% | 65.00% | 60.70% | 64.17% | 61.91% | 63.90% | 63.64% | 65.29% | +113 bps | |
| Non-Interest Burden | 2.31% | 2.22% | 2.15% | 2.32% | 2.34% | 2.44% | 2.43% | 2.54% | +22 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.43% | 4.38% | -0.21% | 3.30% | -0.48% | -0.56% | 2.11% | 1.37% | -193 bps | |
| Loan Growth (YoY) | -0.17% | 2.85% | 2.05% | 0.89% | 0.53% | -1.00% | 0.51% | -1.72% | -262 bps | |
| Deposit Growth (YoY) | 5.73% | 6.89% | -0.84% | 2.98% | -1.09% | -1.70% | 1.29% | 0.97% | -201 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.90% | 1.28% | 2.83% | 3.02% | 1.25% | 0.60% | 1.51% | 1.29% | -173 bps | |
| Net Charge-Offs / Loans | 0.08% | 0.07% | 0.01% | 0.03% | 0.01% | 0.46% | 0.00% | 0.59% | +55 bps | |
| Allowance / Loans | 1.27% | 1.31% | 1.39% | 1.34% | 1.37% | 0.93% | 1.02% | 0.94% | -40 bps | |
| Allowance Coverage of NPLs | 1.4x | 1.0x | 0.5x | 0.4x | 1.1x | 1.5x | 0.7x | 0.7x | +0.3x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.50% | 10.20% | 10.48% | 10.52% | 10.87% | 10.90% | 11.10% | 10.81% | +29 bps | |
| Total Risk-Based Capital | 15.63% | 15.21% | 15.58% | 15.46% | 16.27% | 15.84% | 16.18% | 15.91% | +45 bps | |
| Equity / Assets | 10.02% | 9.57% | 9.98% | 10.02% | 10.66% | 10.76% | 10.78% | 10.44% | +42 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 84.40% | 85.62% | 84.50% | 85.05% | 85.79% | 86.22% | 83.85% | 82.79% | -227 bps | |
| Liquid Assets / Assets | 8.42% | 8.07% | 6.87% | 7.44% | 7.15% | 6.05% | 8.12% | 7.63% | +19 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 321% | 326% | 318% | n/a | n/a | |
Washington, LA · Cert 9326 · Peer group: banks under $1B in assets (n=581-629) · Washington St Bancshares Inc.
State charter, non-member · FDIC · 7 branches
Q2 2026
Return on Assets
0.86%
Rank 388 of 629
Net Interest Margin
4.09%
Rank 148 of 629
Efficiency Ratio
65.29%
Rank 266 of 629
Equity / Assets
10.44%
Rank 339 of 629
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.86% | 0.60% | 1.01% | 1.45% | Beats 38% | 388 / 629 | ||
| Return on Equity | 8.28% | 5.38% | 9.30% | 13.28% | Beats 42% | 362 / 629 | ||
| Net Interest Margin | 4.09% | 3.03% | 3.54% | 4.05% | Beats 76% | 148 / 629 | ||
| Efficiency Ratio | 65.29% | 58.35% | 67.79% | 79.08% | Beats 58% | 266 / 629 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.29% | 0.09% | 0.46% | 1.20% | Beats 24% | 445 / 581 | ||
| Net Charge-Offs / Loans | 0.29% | n/a | 0.01% | 0.06% | Beats 6% | 548 / 581 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 14.96% | 11.24% | 13.84% | 18.77% | Beats 59% | 257 / 629 | ||
| Total Risk-Based Capital Ratio | 15.91% | 11.58% | 14.43% | 19.66% | Beats 60% | 249 / 629 | ||
| Equity / Assets | 10.44% | 9.09% | 10.65% | 13.80% | Beats 46% | 339 / 629 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 82.79% | 67.24% | 80.90% | 93.48% | 52nd pctl | 286 / 594 | ||
| Loans / Assets | 73.33% | 53.31% | 67.71% | 78.15% | 62nd pctl | 239 / 629 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||