BlastPoint's Banking Scorecard
Washington Savings Bank
Effingham, IL
4 branches across IL
Washington Savings Bank has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.50% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.25% below tier average
- - ROA 0.56% below tier average
- - Efficiency Ratio 2.13% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$605.0M
+4.2% YoY
+3.2% QoQ
|
+$218.9M |
$386.1M
+0.5% YoY
|
$2.3B
+4.5% YoY
|
$6.2B
+9.1% YoY
|
81% |
| Total Loans ? |
$350.5M
+6.5% YoY
+3.0% QoQ
|
+$94.8M |
$255.7M
+1.1% YoY
|
$1.2B
+5.3% YoY
|
$3.2B
+10.8% YoY
|
74% |
| Total Deposits ? |
$519.9M
+3.7% YoY
+3.6% QoQ
|
+$192.0M |
$328.0M
+0.1% YoY
|
$1.9B
+3.9% YoY
|
$4.8B
+8.2% YoY
|
81% |
| Return on Assets ? |
0.71%
+292.3% YoY
+130.3% QoQ
|
-0.56% |
1.27%
+12.9% YoY
|
1.04%
+3.0% YoY
|
1.23%
+13.4% YoY
|
21% |
| Net Interest Margin ? |
2.68%
+21.8% YoY
+8.0% QoQ
|
-1.25% |
3.93%
+6.0% YoY
|
3.61%
+7.5% YoY
|
3.89%
+5.7% YoY
|
Bottom 5.3% in tier |
| Efficiency Ratio ? |
67.41%
-26.1% YoY
-17.0% QoQ
|
+2.13% |
65.29%
-4.5% YoY
|
63.68%
-7.4% YoY
|
66.95%
-4.1% YoY
|
38% |
| Delinquency Rate ? |
0.38%
-18.7% YoY
-22.6% QoQ
|
-0.50% |
0.89%
+18.8% YoY
|
1.15%
+15.6% YoY
|
0.95%
+18.8% YoY
|
52% |
| Loan-to-Deposit Ratio ? |
67.42%
+2.7% YoY
-0.6% QoQ
|
-9.22% |
76.64%
+0.8% YoY
|
71.92%
+1.0% YoY
|
76.70%
+0.9% YoY
|
71% |
| Non-Interest-Bearing Deposit Share ? |
11.55%
-3.6% YoY
-6.7% QoQ
|
-10.47% |
22.02%
-1.0% YoY
|
20.45%
-1.2% YoY
|
22.01%
-1.2% YoY
|
Bottom 14.2% in tier |
| Nonperforming Asset Ratio ? |
0.22%
-18.2% YoY
-22.8% QoQ
|
-0.42% |
0.64%
+19.7% YoY
|
0.78%
+18.1% YoY
|
0.67%
+19.3% YoY
|
57% |
| Tier 1 Capital Ratio ? |
18.96%
-2.4% YoY
-1.0% QoQ
|
+3.13% |
15.83%
+1.5% YoY
|
16.97%
+0.7% YoY
|
17.06%
+0.8% YoY
|
84% |
| Non-Interest Income / Assets ? |
0.14%
+16.8% YoY
-74.8% QoQ
|
-0.14% |
0.28%
+9.3% YoY
|
0.34%
+6.9% YoY
|
0.32%
+4.1% YoY
|
69% |
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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.