BlastPoint's Banking Scorecard

Washington County Bank

$100M-$1B Specialty: Agricultural NE FDIC cert 12241

Blair, NE

4 branches across NE · IA

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 81 in NE.
Deposits +6.4% year over year ($558.8M on the books).
Delinquency rate 0.34%.
Return on assets 1.80%.
Efficiency ratio 48.79% vs a 64.48% peer average.
Loan-to-deposit ratio 88.71% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 81 in NE

View $100M-$1B leaderboard (NE) →

Washington County Bank has 4 strengths but faces 1 concern

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ ROA 0.47% above tier average
+ Net Interest Margin 0.40% above tier average
+ Efficiency Ratio 15.69% below tier average
+ Delinquency Rate 0.57% below tier average

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 41.6% in tier

Get updates when Washington County Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (NE)	National Avg	Tier Percentile
Total Assets ?	$662.3M +7.6% YoY -0.1% QoQ	+$275.7M	$386.6M +1.2% YoY	$801.1M +6.7% YoY	$6.3B +7.7% YoY	Top 14.6% in tier
Total Loans ?	$495.7M +2.0% YoY -1.6% QoQ	+$237.4M	$258.3M +1.7% YoY	$561.8M +6.3% YoY	$3.2B +9.4% YoY	Top 11.7% in tier
Total Deposits ?	$558.8M +6.4% YoY +0.1% QoQ	+$232.1M	$326.7M +0.7% YoY	$663.3M +6.9% YoY	$4.9B +7.3% YoY	85%
Return on Assets ?	1.80% +14.6% YoY +0.9% QoQ	+0.47%	1.32% +10.8% YoY	1.39% +16.4% YoY	1.30% +12.1% YoY	80%
Net Interest Margin ?	4.38% +5.1% YoY -3.4% QoQ	+0.40%	3.99% +5.0% YoY	3.85% +5.8% YoY	3.95% +4.9% YoY	74%
Efficiency Ratio ?	48.79% -6.7% YoY -1.6% QoQ	-15.69%	64.48% -3.2% YoY	59.13% -5.1% YoY	70.05% +2.5% YoY	Top 14.5% in tier
Delinquency Rate ?	0.34% -18.1% YoY -7.4% QoQ	-0.57%	0.92% +15.7% YoY	0.76% -0.0% YoY	0.98% +16.3% YoY	55%
Loan-to-Deposit Ratio ?	88.71% -4.2% YoY -1.8% QoQ	+10.76%	77.95% +1.0% YoY	80.90% +0.2% YoY	79.03% +2.3% YoY	29%
Non-Interest-Bearing Deposit Share ?	18.88% -3.8% YoY -4.3% QoQ	-3.15%	22.03% -0.6% YoY	17.56% -0.6% YoY	21.98% -0.6% YoY	40%
Nonperforming Asset Ratio ?	0.26% -22.4% YoY -8.9% QoQ	-0.41%	0.67% +16.4% YoY	0.59% +4.7% YoY	0.69% +15.8% YoY	55%
Tier 1 Capital Ratio ?	16.52% +11.6% YoY +5.9% QoQ	+0.61%	15.91% +1.4% YoY	14.05% +0.1% YoY	17.09% +0.8% YoY	75%
Non-Interest Income / Assets ?	0.25% +4.1% YoY +109.1% QoQ	-0.32%	0.57% +7.6% YoY	0.24% +7.2% YoY	0.66% +5.2% YoY	62%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (NE)	National Avg	Tier Percentile
Noninterest-Bearing	18.9% -0.7pp YoY -0.9pp QoQ	-3.3pp	22.1%	17.6%	22.2%	40%
Brokered Deposits	1.8% -0.2pp YoY 0.0pp QoQ	-6.1pp	7.9%	8.9%	8.5%	28%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (NE)	National Avg	Tier Percentile
C&I	6.5% -0.1pp YoY +0.4pp QoQ	-5.1pp	11.6%	12.3%	12.5%	29%
CRE	17.6% +1.6pp YoY +0.4pp QoQ	-21.9pp	39.5%	32.3%	41.4%	14%
1-4 Family	20.2% +1.0pp YoY +1.0pp QoQ	-12.5pp	32.6%	16.9%	31.3%	30%
Consumer	0.9% -0.1pp YoY 0.0pp QoQ	-3.2pp	4.1%	3.1%	5.0%	26%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (NE)	National Avg	Tier Percentile
CET1 Ratio	16.5% +1.7pp YoY +0.9pp QoQ	-2.3pp	18.8%	16.1%	19.7%	61%
Leverage Ratio	12.8% +0.5pp YoY +0.1pp QoQ	+0.6pp	12.2%	12.1%	12.6%	73%
Total Capital Ratio	17.7% +1.7pp YoY +0.9pp QoQ	-2.3pp	19.9%	17.3%	20.8%	61%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (NE)	National Avg	Tier Percentile
Full-Time Employees	89 -1 (-1.1%) YoY +1 (+1.1%) QoQ	+30	58	98	482	82%
Assets per Employee ($)	$7.4M +8.8% YoY -1.2% QoQ	-$77K	$7.5M	$8.5M	$8.8M	60%
Branch Count	4 0 YoY 0 QoQ	-1	4	7	18	42%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (NE)	National Avg	Tier Percentile
Past Due 90+ Days	0.0% -0.1pp YoY -0.1pp QoQ	-0.3pp	0.3%	0.4%	0.4%	24%
Nonaccrual	0.3% 0.0pp YoY 0.0pp QoQ	-0.6pp	0.9%	0.8%	1.0%	40%
Allowance Coverage	3.44x +20.3% YoY +8.7% QoQ	-20.72x	24.15x	31.69x	20.23x	62%
Net Charge-off Rate (YTD)	0.2% +0.1pp YoY -0.1pp QoQ	0.0pp	0.1%	0.1%	0.2%	82%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (NE)	National Avg	Tier Percentile
ROE	14.7% +0.8pp YoY 0.0pp QoQ	+2.5pp	12.2%	12.3%	11.6%	66%
Cost of Funds (YTD)	1.4% -0.1pp YoY +0.1pp QoQ	-0.3pp	1.7%	1.9%	1.7%	31%
Net Income ($, YTD)	$5.8M +22.5% YoY — QoQ	+$3.3M	$2.6M	$6.1M	$40.4M	91%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Liquidity Overhang

risk

#310 of 742 • Bottom 41.6% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature

Tier 1 Capital Ratio: 16.52%

(Tier: 15.91%, National: 17.09%)

better than tier avg

Loan-to-Deposit Ratio: 88.71%

(Tier: 77.95%, National: 79.03%)

worse than tier avg

742 of 742 Community banks match · 940 nationally

→ Stable +7 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (5 metrics)

310

Total Loans

size

Value: $495.74M

Peer Median: $258.35M

#310 of 2643 Top 11.7% in $100M-$1B

385

Efficiency Ratio

profitability

Value: 48.79%

Peer Median: 64.48%

#385 of 2643 Top 14.5% in $100M-$1B

386

Total Assets

size

Value: $662.26M

Peer Median: $386.57M

#386 of 2643 Top 14.6% in $100M-$1B

405

Total Deposits

size

Value: $558.83M

Peer Median: $326.73M

#405 of 2643 Top 15.3% in $100M-$1B

531

Return on Assets

profitability

Value: 1.80%

Peer Median: 1.32%

#531 of 2643 Top 20.1% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available