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 | |