BlastPoint's Banking Scorecard
Washington State Bank
Designations: ✓ Community bank
Washington, IL
Washington State Bank has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 29.06% below tier average
- + Delinquency Rate 0.42% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.57% below tier average
- - ROA 0.12% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$82.9M
+2.6% YoY
+0.5% QoQ
|
+$20.8M |
$62.2M
-0.6% YoY
|
$2.3B
+4.5% YoY
|
$6.2B
+9.1% YoY
|
74% |
| Total Loans ? |
$30.0M
-0.4% YoY
-0.9% QoQ
|
-$4.3M |
$34.2M
-1.4% YoY
|
$1.2B
+5.3% YoY
|
$3.2B
+10.8% YoY
|
45% |
| Total Deposits ? |
$74.4M
-0.3% YoY
+0.8% QoQ
|
+$22.7M |
$51.7M
-0.7% YoY
|
$1.9B
+3.9% YoY
|
$4.8B
+8.2% YoY
|
81% |
| Return on Assets ? |
0.71%
+53.0% YoY
+23.5% QoQ
|
-0.12% |
0.84%
-2.3% YoY
|
1.04%
+3.0% YoY
|
1.23%
+13.4% YoY
|
39% |
| Net Interest Margin ? |
2.28%
+5.8% YoY
+3.3% QoQ
|
-1.57% |
3.86%
+2.8% YoY
|
3.61%
+7.5% YoY
|
3.89%
+5.7% YoY
|
Bottom 4.8% in tier |
| Efficiency Ratio ? |
59.28%
-16.7% YoY
-11.6% QoQ
|
-29.06% |
88.34%
+0.3% YoY
|
63.68%
-7.4% YoY
|
66.95%
-4.1% YoY
|
74% |
| Delinquency Rate ? |
0.95%
-35.4% YoY
-47.6% QoQ
|
-0.42% |
1.37%
+33.8% YoY
|
1.15%
+15.6% YoY
|
0.95%
+18.8% YoY
|
38% |
| Loan-to-Deposit Ratio ? |
40.28%
-0.1% YoY
-1.6% QoQ
|
-23.94% |
64.22%
-0.7% YoY
|
71.92%
+1.0% YoY
|
76.70%
+0.9% YoY
|
82% |
| Non-Interest-Bearing Deposit Share ? |
20.91%
+2.6% YoY
+1.2% QoQ
|
-2.80% |
23.71%
+0.3% YoY
|
20.45%
-1.2% YoY
|
22.01%
-1.2% YoY
|
42% |
| Nonperforming Asset Ratio ? |
0.34%
-37.3% YoY
-48.4% QoQ
|
-0.44% |
0.79%
+28.2% YoY
|
0.78%
+18.1% YoY
|
0.67%
+19.3% YoY
|
46% |
| Tier 1 Capital Ratio ? |
9.49%
+4.2% YoY
+3.0% QoQ
|
-17.19% |
26.68%
+2.0% YoY
|
16.97%
+0.7% YoY
|
17.06%
+0.8% YoY
|
Bottom 3.7% in tier |
| Non-Interest Income / Assets ? |
0.07%
+69.7% YoY
-61.9% QoQ
|
-0.60% |
0.67%
+1.9% YoY
|
0.34%
+6.9% YoY
|
0.32%
+4.1% YoY
|
52% |
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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 (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.