BlastPoint's Banking Scorecard
Bank of Washington
Designations: ✓ Community bank
Washington, MO
7 branches across MO
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 885 banks in the $1B-$10B peer group nationwide — 1 of 30 in MO.
- Deposits -1.6% year over year ($887.8M on the books).
- Delinquency rate 3.57%.
- Return on assets 0.86%.
- Efficiency ratio 64.46% vs a 59.73% peer average.
- Loan-to-deposit ratio 113.66% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Bank of Washington has 1 strength but faces 6 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.75% above tier average
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 37.0% in tier
- - Delinquency Rate 2.71% above tier average
- - Loan-to-Deposit Ratio 28.62% above tier average
- - Nonperforming Asset Ratio 3.46% above tier average
- - ROA 0.53% below tier average
- - Efficiency Ratio 4.73% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.1B
+1.5% YoY
-2.3% QoQ
|
-$1.6B |
$2.8B
-0.6% YoY
|
$1.6B
+6.4% YoY
|
$6.3B
+7.7% YoY
|
Bottom 13.7% in tier |
| Total Loans ? |
$1.0B
+2.1% YoY
-2.0% QoQ
|
-$954.2M |
$2.0B
-0.3% YoY
|
$1.0B
+10.0% YoY
|
$3.2B
+9.4% YoY
|
32% |
| Total Deposits ? |
$887.8M
-1.6% YoY
-0.9% QoQ
|
-$1.4B |
$2.3B
-0.5% YoY
|
$1.3B
+6.1% YoY
|
$4.9B
+7.3% YoY
|
Bottom 6.1% in tier |
| Return on Assets ? |
0.86%
+93.2% YoY
+300.9% QoQ
|
-0.53% |
1.39%
+17.0% YoY
|
1.46%
+5.9% YoY
|
1.30%
+12.1% YoY
|
21% |
| Net Interest Margin ? |
4.62%
-1.4% YoY
+0.8% QoQ
|
+0.75% |
3.87%
+6.2% YoY
|
4.55%
+0.7% YoY
|
3.95%
+4.9% YoY
|
Top 10.2% in tier |
| Efficiency Ratio ? |
64.46%
-2.3% YoY
+0.0% QoQ
|
+4.73% |
59.73%
-12.6% YoY
|
59.57%
-3.2% YoY
|
70.05%
+2.5% YoY
|
33% |
| Delinquency Rate ? |
3.57%
+34.6% YoY
-6.1% QoQ
|
+2.71% |
0.87%
+11.7% YoY
|
0.82%
+12.6% YoY
|
0.98%
+16.3% YoY
|
Bottom 3.3% in tier |
| Loan-to-Deposit Ratio ? |
113.66%
+3.7% YoY
-1.1% QoQ
|
+28.62% |
85.04%
-0.1% YoY
|
80.82%
+1.6% YoY
|
79.03%
+2.3% YoY
|
Bottom 3.5% in tier |
| Non-Interest-Bearing Deposit Share ? |
18.98%
+2.0% YoY
-3.7% QoQ
|
-2.29% |
21.27%
-1.5% YoY
|
20.71%
-0.5% YoY
|
21.98%
-0.6% YoY
|
45% |
| Nonperforming Asset Ratio ? |
4.14%
+24.2% YoY
-3.9% QoQ
|
+3.46% |
0.67%
+11.7% YoY
|
0.67%
+14.9% YoY
|
0.69%
+15.8% YoY
|
Bottom 0.7% in tier |
| Tier 1 Capital Ratio ? |
12.47%
+3.3% YoY
+2.3% QoQ
|
-2.37% |
14.84%
-0.4% YoY
|
15.38%
-1.1% YoY
|
17.09%
+0.8% YoY
|
40% |
| Non-Interest Income / Assets ? |
0.30%
+0.7% YoY
+109.4% QoQ
|
-0.22% |
0.53%
+2.5% YoY
|
0.58%
+5.8% YoY
|
0.66%
+5.2% YoY
|
52% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
19.0%
+0.4pp YoY -0.7pp QoQ |
-2.4pp | 21.4% | 20.9% | 22.2% | 45% |
| Brokered Deposits |
0.0%
-3.3pp YoY 0.0pp QoQ |
-9.5pp | 9.5% | 7.4% | 8.5% | 1% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
32.3%
+0.4pp YoY +0.8pp QoQ |
+18.3pp | 14.0% | 12.3% | 12.5% | 92% |
| CRE |
54.7%
-1.8pp YoY -1.3pp QoQ |
+4.7pp | 50.0% | 36.8% | 41.4% | 64% |
| 1-4 Family |
12.0%
+1.3pp YoY +0.5pp QoQ |
-14.4pp | 26.4% | 31.9% | 31.3% | 22% |
| Consumer |
0.4%
+0.1pp YoY 0.0pp QoQ |
-4.3pp | 4.7% | 4.1% | 5.0% | 26% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 15.6% | 18.5% | 19.7% | n/a |
| Leverage Ratio |
12.5%
+0.4pp YoY +0.3pp QoQ |
+1.2pp | 11.3% | 11.6% | 12.6% | 80% |
| Total Capital Ratio | n/a | n/a | 16.7% | 19.6% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
138
0 YoY +4 (+3.0%) QoQ |
-176 | 313 | 162 | 482 | 19% |
| Assets per Employee ($) |
$8.3M
+1.5% YoY -5.1% QoQ |
-$2.2M | $10.5M | $8.0M | $8.8M | 45% |
| Branch Count |
7
0 YoY 0 QoQ |
-13 | 20 | 10 | 18 | 17% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.2% | 0.3% | 0.4% | n/a |
| Nonaccrual |
3.6%
+0.9pp YoY -0.2pp QoQ |
+2.7pp | 0.8% | 0.8% | 1.0% | 97% |
| Allowance Coverage |
0.60x
-26.9% YoY +4.3% QoQ |
-18.11x | 18.71x | 10.47x | 20.23x | 9% |
| Net Charge-off Rate (YTD) |
0.4%
+0.4pp YoY +0.4pp QoQ |
+0.1pp | 0.3% | 0.3% | 0.2% | 89% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
7.1%
+3.3pp YoY +5.3pp QoQ |
-5.5pp | 12.6% | 14.3% | 11.6% | 16% |
| Cost of Funds (YTD) |
1.8%
-0.3pp YoY 0.0pp QoQ |
-0.1pp | 1.9% | 1.8% | 1.7% | 46% |
| Net Income ($, YTD) |
$5.0M
+94.0% YoY — QoQ |
-$14.2M | $19.2M | $11.3M | $40.4M | 11% |
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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)
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.