BlastPoint's Banking Scorecard

Washington Savings Bank

$100M-$1B Specialty: Commercial IL FDIC cert 29227

Effingham, IL

4 branches across IL

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 211 in IL.
Deposits -0.2% year over year ($504.4M on the books).
Delinquency rate 0.30%.
Return on assets 0.77%.
Efficiency ratio 66.59% vs a 64.48% peer average.
Loan-to-deposit ratio 69.94% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 211 in IL

View $100M-$1B leaderboard (IL) →

Washington Savings Bank has 1 strength but faces 4 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

+ Delinquency Rate 0.62% below tier average

Key Concerns

Areas that may need attention

- Flatlined Growth: Bottom 19.1% in tier
- Net Interest Margin 1.20% below tier average
- ROA 0.56% below tier average
- Efficiency Ratio 2.11% above tier average

Get updates when Washington Savings Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Total Assets ?	$585.3M -0.0% YoY -3.3% QoQ	+$198.8M	$386.6M +1.2% YoY	$2.4B +4.3% YoY	$6.3B +7.7% YoY	79%
Total Loans ?	$352.8M +8.0% YoY +0.6% QoQ	+$94.4M	$258.3M +1.7% YoY	$1.3B +4.4% YoY	$3.2B +9.4% YoY	74%
Total Deposits ?	$504.4M -0.2% YoY -3.0% QoQ	+$177.6M	$326.7M +0.7% YoY	$1.9B +3.7% YoY	$4.9B +7.3% YoY	80%
Return on Assets ?	0.77% +7.5% QoQ	-0.56%	1.32% +10.8% YoY	1.12% +2.8% YoY	1.30% +12.1% YoY	22%
Net Interest Margin ?	2.79% +21.9% YoY +4.0% QoQ	-1.20%	3.99% +5.0% YoY	3.68% +7.2% YoY	3.95% +4.9% YoY	Bottom 6.0% in tier
Efficiency Ratio ?	66.59% -23.8% YoY -1.2% QoQ	+2.11%	64.48% -3.2% YoY	63.11% -4.5% YoY	70.05% +2.5% YoY	38%
Delinquency Rate ?	0.30% -39.2% YoY -23.1% QoQ	-0.62%	0.92% +15.7% YoY	1.19% +6.2% YoY	0.98% +16.3% YoY	58%
Loan-to-Deposit Ratio ?	69.94% +8.2% YoY +3.7% QoQ	-8.01%	77.95% +1.0% YoY	72.86% +0.7% YoY	79.03% +2.3% YoY	70%
Non-Interest-Bearing Deposit Share ?	12.69% -3.7% YoY +9.8% QoQ	-9.34%	22.03% -0.6% YoY	20.01% -0.1% YoY	21.98% -0.6% YoY	16%
Nonperforming Asset Ratio ?	0.19% -31.1% YoY -14.7% QoQ	-0.48%	0.67% +16.4% YoY	0.81% +6.3% YoY	0.69% +15.8% YoY	61%
Tier 1 Capital Ratio ?	19.02% -1.4% YoY +0.3% QoQ	+3.11%	15.91% +1.4% YoY	17.17% +1.3% YoY	17.09% +0.8% YoY	84%
Non-Interest Income / Assets ?	0.27% +4.6% YoY +95.8% QoQ	-0.30%	0.57% +7.6% YoY	0.68% +1.1% YoY	0.66% +5.2% YoY	67%

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 (IL)	National Avg	Tier Percentile
Noninterest-Bearing	12.7% -0.5pp YoY +1.1pp QoQ	-9.5pp	22.1%	20.1%	22.2%	16%
Brokered Deposits	2.5% 0.0pp YoY +0.1pp QoQ	-5.3pp	7.9%	8.0%	8.5%	34%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
C&I	14.8% +4.4pp YoY -0.4pp QoQ	+3.3pp	11.6%	14.7%	12.5%	75%
CRE	47.0% -1.1pp YoY +0.7pp QoQ	+7.4pp	39.5%	37.9%	41.4%	66%
1-4 Family	36.9% -3.2pp YoY -0.3pp QoQ	+4.3pp	32.6%	28.3%	31.3%	65%
Consumer	1.5% -0.3pp YoY 0.0pp QoQ	-2.6pp	4.1%	5.4%	5.0%	39%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
CET1 Ratio	19.0% -0.3pp YoY +0.1pp QoQ	+0.2pp	18.8%	19.9%	19.7%	74%
Leverage Ratio	12.1% +0.4pp YoY +0.2pp QoQ	-0.1pp	12.2%	12.2%	12.6%	66%
Total Capital Ratio	19.9% -0.3pp YoY 0.0pp QoQ	0.0pp	19.9%	20.9%	20.8%	73%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Full-Time Employees	69 -5 (-6.8%) YoY -3 (-4.2%) QoQ	+10	58	228	482	70%
Assets per Employee ($)	$8.5M +7.2% YoY +1.0% QoQ	+$965K	$7.5M	$8.3M	$8.8M	74%
Branch Count	4 0 YoY 0 QoQ	-1	4	10	18	42%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.4%	0.4%	n/a
Nonaccrual	0.3% -0.2pp YoY -0.1pp QoQ	-0.6pp	0.9%	1.1%	1.0%	38%
Allowance Coverage	3.22x +45.4% YoY +22.9% QoQ	-20.93x	24.15x	5.62x	20.23x	60%
Net Charge-off Rate (YTD)	0.1% +0.1pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.1%	0.2%	72%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (IL)	National Avg	Tier Percentile
ROE	6.8% +6.2pp YoY +0.4pp QoQ	-5.4pp	12.2%	10.5%	11.6%	20%
Cost of Funds (YTD)	2.0% -0.1pp YoY 0.0pp QoQ	+0.3pp	1.7%	1.6%	1.7%	70%
Net Income ($, YTD)	$2.3M +1155.2% YoY — QoQ	-$283K	$2.6M	$11.7M	$40.4M	58%

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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)

Flatlined Growth

risk

#102 of 529 • Bottom 19.1% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature

Return on Assets: 0.77%

(Tier: 1.32%, National: 1.30%)

worse than tier avg

529 of 529 Community banks match · 719 nationally

→ Stable +34 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 2643 peers in $100M-$1B

Top Strengths (3 metrics)

422

Tier 1 Capital Ratio

capital

Value: 19.02%

Peer Median: 15.91%

#422 of 2643 Top 15.9% in $100M-$1B

522

Total Deposits

size

Value: $504.35M

Peer Median: $326.73M

#522 of 2643 Top 19.7% in $100M-$1B

545

Total Assets

size

Value: $585.34M

Peer Median: $386.57M

#545 of 2643 Top 20.6% in $100M-$1B

Top Weaknesses (3 metrics)

2485

Net Interest Margin

profitability

Value: 2.79%

Peer Median: 3.99%

#2485 of 2643 Bottom 6.0% in $100M-$1B

2210

Non-Interest-Bearing Deposit Share

funding

Value: 12.69%

Peer Median: 22.03%

#2210 of 2643 Bottom 16.4% in $100M-$1B

2073

Return on Assets

profitability

Value: 0.77%

Peer Median: 1.32%

#2073 of 2643 Bottom 21.6% in $100M-$1B