Washington State Bank
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
$309.2MAssets
$226.7MLoans
$273.9MDeposits
$32.3MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 76% of banks under $1B in assets (rank 148 of 629).
- Widest gap: net charge-offs / loans trails 94% of banks under $1B in assets (rank 548 of 581).
- Overall: at or above the peer median on 4 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $7.9M · efficiency ratio beats 58% 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 | 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 |