BlastPoint's Banking Scorecard

Washington County Bank

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

Blair, NE

4 branches across NE · IA

2664 banks in the $100M-$1B peer group nationally 82 in NE

Washington County Bank has 4 strengths but faces 3 concerns

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 0.51% above tier average
+ Net Interest Margin 0.61% above tier average
+ Efficiency Ratio 15.72% below tier average
+ Delinquency Rate 0.52% below tier average

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 12.7% in tier
- Liquidity Strain: Bottom 20.8% in tier
- Credit Quality Pressure: Bottom 21.9% in tier

Get updates when Washington County Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NE)	National Avg	Tier Percentile
Total Assets ?	$662.8M +10.0% YoY +5.3% QoQ	+$276.7M	$386.1M +0.5% YoY	$791.1M +6.6% YoY	$6.2B +9.1% YoY	Top 14.6% in tier
Total Loans ?	$504.0M +4.9% YoY -0.7% QoQ	+$248.3M	$255.7M +1.1% YoY	$551.6M +6.9% YoY	$3.2B +10.8% YoY	Top 10.7% in tier
Total Deposits ?	$558.1M +8.4% YoY +7.8% QoQ	+$230.1M	$328.0M +0.1% YoY	$661.1M +6.6% YoY	$4.8B +8.2% YoY	84%
Return on Assets ?	1.78% +22.1% YoY +4.2% QoQ	+0.51%	1.27% +12.9% YoY	1.36% +20.0% YoY	1.23% +13.4% YoY	81%
Net Interest Margin ?	4.54% +12.9% YoY +7.2% QoQ	+0.61%	3.93% +6.0% YoY	3.79% +6.5% YoY	3.89% +5.7% YoY	83%
Efficiency Ratio ?	49.57% -9.8% YoY +0.9% QoQ	-15.72%	65.29% -4.5% YoY	60.11% -6.9% YoY	66.95% -4.1% YoY	85%
Delinquency Rate ?	0.37% +18.1% YoY -15.0% QoQ	-0.52%	0.89% +18.8% YoY	0.72% +6.8% YoY	0.95% +18.8% YoY	52%
Loan-to-Deposit Ratio ?	90.32% -3.2% YoY -7.8% QoQ	+13.68%	76.64% +0.8% YoY	79.63% +0.4% YoY	76.70% +0.9% YoY	24%
Non-Interest-Bearing Deposit Share ?	19.74% -1.5% YoY -3.2% QoQ	-2.28%	22.02% -1.0% YoY	17.92% -1.5% YoY	22.01% -1.2% YoY	44%
Nonperforming Asset Ratio ?	0.28% +12.6% YoY -19.8% QoQ	-0.36%	0.64% +19.7% YoY	0.55% +6.0% YoY	0.67% +19.3% YoY	52%
Tier 1 Capital Ratio ?	15.60% +6.9% YoY +3.1% QoQ	-0.23%	15.83% +1.5% YoY	14.10% +3.9% YoY	17.06% +0.8% YoY	70%
Non-Interest Income / Assets ?	0.12% +1.4% YoY -76.3% QoQ	-0.16%	0.28% +9.3% YoY	0.12% +3.0% YoY	0.32% +4.1% YoY	62%

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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 (3)

Credit Risk Growth

risk

#125 of 973 • Bottom 12.7% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

973 of 973 Community banks match · 1464 nationally

→ Stable -10 banks QoQ | QoQ rank improving

Liquidity Strain

risk

#135 of 643 • Bottom 20.8% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 90.32%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

643 of 643 Community banks match · 1013 nationally

→ Stable -50 banks QoQ | QoQ rank improving

Credit Quality Pressure

risk

#287 of 1308 • Bottom 21.9% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.37%

(Tier: 0.89%, National: 0.95%)

better than tier avg

1308 of 1308 Community banks match · 1899 nationally

→ Stable +2 banks QoQ | QoQ rank improving

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 2664 peers in $100M-$1B

Top Strengths (6 metrics)

286

Total Loans

size

Value: $504.03M

Peer Median: $255.72M

#286 of 2664 Top 10.7% in $100M-$1B

390

Total Assets

size

Value: $662.82M

Peer Median: $386.08M

#390 of 2664 Top 14.6% in $100M-$1B

405

Efficiency Ratio

profitability

Value: 49.57%

Peer Median: 65.29%

#405 of 2664 Top 15.2% in $100M-$1B

416

Total Deposits

size

Value: $558.06M

Peer Median: $327.97M

#416 of 2664 Top 15.6% in $100M-$1B

448

Net Interest Margin

profitability

Value: 4.54%

Peer Median: 3.93%

#448 of 2664 Top 16.8% in $100M-$1B

512

Return on Assets

profitability

Value: 1.78%

Peer Median: 1.27%

#512 of 2664 Top 19.2% in $100M-$1B

Top Weaknesses (1 metrics)

2036

Loan-to-Deposit Ratio

liquidity

Value: 90.32%

Peer Median: 76.64%

#2036 of 2664 Bottom 23.6% in $100M-$1B