BlastPoint's Banking Scorecard
Washington State Bank
Washington, IA
5 branches across 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 167 in IA.
- Deposits +0.3% year over year ($510.5M on the books).
- Delinquency rate 0.50%.
- Return on assets 1.39%.
- Efficiency ratio 45.71% vs a 64.48% peer average.
- Loan-to-deposit ratio 70.62% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Washington State Bank has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 18.77% below tier average
- + ROA 0.07% above tier average
- + Delinquency Rate 0.42% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.62% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$601.1M
+5.8% YoY
+0.8% QoQ
|
+$214.6M |
$386.6M
+1.2% YoY
|
$566.2M
+5.8% YoY
|
$6.3B
+7.7% YoY
|
81% |
| Total Loans ? |
$360.5M
+10.3% YoY
+0.9% QoQ
|
+$102.2M |
$258.3M
+1.7% YoY
|
$385.0M
+5.4% YoY
|
$3.2B
+9.4% YoY
|
75% |
| Total Deposits ? |
$510.5M
+0.3% YoY
+1.8% QoQ
|
+$183.7M |
$326.7M
+0.7% YoY
|
$472.4M
+6.3% YoY
|
$4.9B
+7.3% YoY
|
81% |
| Return on Assets ? |
1.39%
-3.0% YoY
+0.3% QoQ
|
+0.07% |
1.32%
+10.8% YoY
|
1.58%
+39.1% YoY
|
1.30%
+12.1% YoY
|
59% |
| Net Interest Margin ? |
3.37%
+0.2% YoY
+2.2% QoQ
|
-0.62% |
3.99%
+5.0% YoY
|
3.58%
+9.0% YoY
|
3.95%
+4.9% YoY
|
22% |
| Efficiency Ratio ? |
45.71%
+2.9% YoY
+1.6% QoQ
|
-18.77% |
64.48%
-3.2% YoY
|
57.74%
-6.0% YoY
|
70.05%
+2.5% YoY
|
Top 9.8% in tier |
| Delinquency Rate ? |
0.50%
-61.1% YoY
+49.6% QoQ
|
-0.42% |
0.92%
+15.7% YoY
|
0.99%
+12.8% YoY
|
0.98%
+16.3% YoY
|
46% |
| Loan-to-Deposit Ratio ? |
70.62%
+9.9% YoY
-0.9% QoQ
|
-7.33% |
77.95%
+1.0% YoY
|
80.39%
+2.7% YoY
|
79.03%
+2.3% YoY
|
69% |
| Non-Interest-Bearing Deposit Share ? |
12.83%
-3.9% YoY
+1.1% QoQ
|
-9.20% |
22.03%
-0.6% YoY
|
17.72%
+0.8% YoY
|
21.98%
-0.6% YoY
|
17% |
| Nonperforming Asset Ratio ? |
0.46%
-37.5% YoY
+19.3% QoQ
|
-0.21% |
0.67%
+16.4% YoY
|
0.63%
+7.9% YoY
|
0.69%
+15.8% YoY
|
41% |
| Tier 1 Capital Ratio ? |
20.40%
+0.8% YoY
+1.8% QoQ
|
+4.49% |
15.91%
+1.4% YoY
|
14.69%
+3.0% YoY
|
17.09%
+0.8% YoY
|
Top 12.8% in tier |
| Non-Interest Income / Assets ? |
0.16%
+6.8% YoY
+77.0% QoQ
|
-0.41% |
0.57%
+7.6% YoY
|
0.24%
+5.5% YoY
|
0.66%
+5.2% YoY
|
37% |
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 (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
12.8%
-0.5pp YoY +0.1pp QoQ |
-9.3pp | 22.1% | 17.8% | 22.2% | 16% |
| Brokered Deposits |
22.9%
-0.1pp YoY -0.4pp QoQ |
+15.0pp | 7.9% | 6.0% | 8.5% | 93% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
6.0%
+0.1pp YoY +0.6pp QoQ |
-5.5pp | 11.6% | 12.8% | 12.5% | 26% |
| CRE |
16.2%
-1.3pp YoY -1.4pp QoQ |
-23.4pp | 39.5% | 28.3% | 41.4% | 12% |
| 1-4 Family |
47.9%
-2.7pp YoY 0.0pp QoQ |
+15.3pp | 32.6% | 23.0% | 31.3% | 80% |
| Consumer |
0.7%
-0.1pp YoY +0.1pp QoQ |
-3.4pp | 4.1% | 2.9% | 5.0% | 22% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
20.4%
+0.2pp YoY +0.4pp QoQ |
+1.6pp | 18.8% | 15.4% | 19.7% | 79% |
| Leverage Ratio |
12.5%
+0.1pp YoY 0.0pp QoQ |
+0.3pp | 12.2% | 12.4% | 12.6% | 70% |
| Total Capital Ratio |
21.6%
+0.2pp YoY +0.4pp QoQ |
+1.7pp | 19.9% | 16.5% | 20.8% | 79% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
56
+3 (+5.7%) YoY +1 (+1.8%) QoQ |
-3 | 58 | 64 | 482 | 60% |
| Assets per Employee ($) |
$10.7M
+0.1% YoY -1.0% QoQ |
+$3.2M | $7.5M | $8.9M | $8.8M | 89% |
| Branch Count |
5
0 YoY 0 QoQ |
0 | 4 | 5 | 18 | 55% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.2%
-0.2pp YoY |
-0.1pp | 0.3% | 0.4% | 0.4% | 66% |
| Nonaccrual |
0.3%
-0.6pp YoY 0.0pp QoQ |
-0.6pp | 0.9% | 1.0% | 1.0% | 37% |
| Allowance Coverage |
2.76x
+147.4% YoY -32.6% QoQ |
-21.39x | 24.15x | 18.97x | 20.23x | 56% |
| Net Charge-off Rate (YTD) |
0.0%
+0.1pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.1% | 0.2% | 66% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
18.5%
-3.0pp YoY -0.7pp QoQ |
+6.3pp | 12.2% | 12.8% | 11.6% | 84% |
| Cost of Funds (YTD) |
2.3%
-0.2pp YoY 0.0pp QoQ |
+0.6pp | 1.7% | 1.8% | 1.7% | 85% |
| Net Income ($, YTD) |
$4.2M
+1.1% YoY — QoQ |
+$1.6M | $2.6M | $4.0M | $40.4M | 82% |
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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.