BlastPoint's Banking Scorecard
Bank of Washington
Designations: ✓ Community bank
Washington, MO
7 branches across MO
Bank of Washington has 1 strength but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.77% above tier average
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 43.4% in tier
- - Return on Assets 1.15% below tier average
- - Delinquency Rate 2.92% above tier average
- - Nonperforming Asset Ratio 3.63% above tier average
- - Efficiency Ratio 3.39% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.2B
-0.3% YoY
+0.4% QoQ
|
-$1.6B |
$2.8B
-0.1% YoY
|
$1.6B
+6.5% YoY
|
$6.2B
+9.1% YoY
|
Bottom 14.8% in tier |
| Total Loans ? |
$1.0B
-0.4% YoY
+0.3% QoQ
|
-$935.6M |
$2.0B
+0.6% YoY
|
$1.0B
+8.5% YoY
|
$3.2B
+10.8% YoY
|
32% |
| Total Deposits ? |
$895.9M
-0.1% YoY
-0.7% QoQ
|
-$1.4B |
$2.3B
-0.3% YoY
|
$1.3B
+6.1% YoY
|
$4.8B
+8.2% YoY
|
Bottom 6.3% in tier |
| Return on Assets ? |
0.22%
-84.3% YoY
-80.5% QoQ
|
-1.15% |
1.37%
+19.6% YoY
|
1.43%
+10.8% YoY
|
1.23%
+13.4% YoY
|
Bottom 4.1% in tier |
| Net Interest Margin ? |
4.58%
+0.7% YoY
-5.4% QoQ
|
+0.77% |
3.82%
+6.9% YoY
|
4.51%
+2.1% YoY
|
3.89%
+5.7% YoY
|
Top 10.0% in tier |
| Efficiency Ratio ? |
64.46%
+8.5% YoY
+0.8% QoQ
|
+3.39% |
61.06%
-4.6% YoY
|
59.97%
-5.2% YoY
|
66.95%
-4.1% YoY
|
36% |
| Delinquency Rate ? |
3.80%
+60.5% YoY
+112.9% QoQ
|
+2.92% |
0.89%
+14.1% YoY
|
0.83%
+18.3% YoY
|
0.95%
+18.8% YoY
|
Bottom 2.3% in tier |
| Loan-to-Deposit Ratio ? |
114.89%
-0.3% YoY
+1.0% QoQ
|
+30.69% |
84.20%
+0.3% YoY
|
79.48%
+1.6% YoY
|
76.70%
+0.9% YoY
|
Bottom 3.2% in tier |
| Non-Interest-Bearing Deposit Share ? |
19.71%
+5.9% YoY
+17.0% QoQ
|
-1.58% |
21.29%
-2.5% YoY
|
20.72%
+0.3% YoY
|
22.01%
-1.2% YoY
|
51% |
| Nonperforming Asset Ratio ? |
4.31%
+37.0% YoY
+69.3% QoQ
|
+3.63% |
0.67%
+15.6% YoY
|
0.67%
+20.5% YoY
|
0.67%
+19.3% YoY
|
Bottom 0.6% in tier |
| Tier 1 Capital Ratio ? |
12.19%
+0.8% YoY
-2.6% QoQ
|
-2.97% |
15.16%
+2.0% YoY
|
15.44%
-0.4% YoY
|
17.06%
+0.8% YoY
|
35% |
| Non-Interest Income / Assets ? |
0.14%
+146.5% YoY
-80.3% QoQ
|
-0.11% |
0.26%
+1.6% YoY
|
0.29%
+5.6% YoY
|
0.32%
+4.1% YoY
|
51% |
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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 (0)
Concerns (1)
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.