BlastPoint's Banking Scorecard

Washington State Bank

$100M-$1B Specialty: Agricultural IA FDIC cert 214

Washington, IA

5 branches across IA

2664 banks in the $100M-$1B peer group nationally 166 in IA

Washington State Bank has 3 strengths but faces 2 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

+ Efficiency Ratio 20.27% below tier average
+ ROA 0.12% above tier average
+ Delinquency Rate 0.55% below tier average

Key Concerns

Areas that may need attention

- NIB Deposit Bleed: Bottom 12.6% in tier
- Net Interest Margin 0.64% below tier average

Get updates when Washington State Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
Total Assets ?	$596.4M +5.0% YoY +1.3% QoQ	+$210.3M	$386.1M +0.5% YoY	$560.1M +4.8% YoY	$6.2B +9.1% YoY	80%
Total Loans ?	$357.4M +10.2% YoY +4.0% QoQ	+$101.7M	$255.7M +1.1% YoY	$379.9M +5.0% YoY	$3.2B +10.8% YoY	75%
Total Deposits ?	$501.6M -0.0% YoY -3.5% QoQ	+$173.6M	$328.0M +0.1% YoY	$469.6M +4.4% YoY	$4.8B +8.2% YoY	80%
Return on Assets ?	1.39% +0.0% YoY +2.8% QoQ	+0.12%	1.27% +12.9% YoY	1.31% +22.6% YoY	1.23% +13.4% YoY	61%
Net Interest Margin ?	3.29% -1.7% YoY -4.4% QoQ	-0.64%	3.93% +6.0% YoY	3.52% +10.3% YoY	3.89% +5.7% YoY	21%
Efficiency Ratio ?	45.01% +0.7% YoY -1.1% QoQ	-20.27%	65.29% -4.5% YoY	58.40% -7.6% YoY	66.95% -4.1% YoY	Top 9.0% in tier
Delinquency Rate ?	0.33% -67.5% YoY -31.8% QoQ	-0.55%	0.89% +18.8% YoY	0.92% +14.5% YoY	0.95% +18.8% YoY	55%
Loan-to-Deposit Ratio ?	71.26% +10.2% YoY +7.8% QoQ	-5.38%	76.64% +0.8% YoY	77.40% +1.1% YoY	76.70% +0.9% YoY	64%
Non-Interest-Bearing Deposit Share ?	12.69% -24.3% YoY -7.7% QoQ	-9.33%	22.02% -1.0% YoY	17.87% +0.7% YoY	22.01% -1.2% YoY	17%
Nonperforming Asset Ratio ?	0.39% -34.0% YoY -10.6% QoQ	-0.25%	0.64% +19.7% YoY	0.58% +11.7% YoY	0.67% +19.3% YoY	44%
Tier 1 Capital Ratio ?	20.04% +1.6% YoY -1.0% QoQ	+4.21%	15.83% +1.5% YoY	14.34% +1.8% YoY	17.06% +0.8% YoY	Top 13.4% in tier
Non-Interest Income / Assets ?	0.09% +17.3% YoY -70.0% QoQ	-0.19%	0.28% +9.3% YoY	0.12% +10.7% YoY	0.32% +4.1% YoY	46%

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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 (1)

NIB Deposit Bleed

decline

#26 of 198 • Bottom 12.6% in tier

Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.

Why this signature

Noninterest-Bearing Deposit Share: 12.69%

(Tier: 22.02%, National: 22.01%)

worse than tier avg

198 of 198 Community banks match · 238 nationally

↓ Shrinking -31 banks QoQ

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 (5 metrics)

242

Efficiency Ratio

profitability

Value: 45.01%

Peer Median: 65.29%

#242 of 2664 Top 9.0% in $100M-$1B

359

Tier 1 Capital Ratio

capital

Value: 20.04%

Peer Median: 15.83%

#359 of 2664 Top 13.4% in $100M-$1B

529

Total Assets

size

Value: $596.41M

Peer Median: $386.08M

#529 of 2664 Top 19.8% in $100M-$1B

539

Total Deposits

size

Value: $501.57M

Peer Median: $327.97M

#539 of 2664 Top 20.2% in $100M-$1B

661

Total Loans

size

Value: $357.41M

Peer Median: $255.72M

#661 of 2664 Top 24.8% in $100M-$1B

Top Weaknesses (2 metrics)

2221

Non-Interest-Bearing Deposit Share

funding

Value: 12.69%

Peer Median: 22.02%

#2221 of 2664 Bottom 16.7% in $100M-$1B

2097

Net Interest Margin

profitability

Value: 3.29%

Peer Median: 3.93%

#2097 of 2664 Bottom 21.3% in $100M-$1B