BlastPoint

BlastPoint's Banking Scorecard

Washington Financial Bank

$1B-$10B Specialty: Commercial PA FDIC cert 29520

Designations: ✓ Community bank

Washington, PA

10 branches across PA

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 885 banks in the $1B-$10B peer group nationwide — 1 of 37 in PA.
  • Deposits -5.2% year over year ($1.2B on the books).
  • Delinquency rate 0.46%.
  • Return on assets 1.15%.
  • Efficiency ratio 60.29% vs a 59.73% peer average.
  • Loan-to-deposit ratio 87.16% vs a 85.04% peer average.

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

885 banks in the $1B-$10B peer group nationally 37 in PA
View $1B-$10B leaderboard (PA) →

Washington Financial Bank has 1 strength but faces 5 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 0.40% below tier average

Key Concerns

Areas that may need attention

  • - Capital Constraint: Bottom 12.5% in tier
  • - Deposit Outflow: Bottom 44.3% in tier
  • - ROA 0.24% below tier average
  • - Net Interest Margin 0.24% below tier average
  • - Efficiency Ratio 0.56% above tier average
Get updates when Washington Financial Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
Total Assets ? $1.4B
-3.1% YoY -1.4% QoQ
-$1.4B $2.8B
-0.6% YoY
$3.1B
+7.3% YoY
$6.3B
+7.7% YoY
31%
Total Loans ? $1.1B
-1.0% YoY -1.1% QoQ
-$907.7M $2.0B
-0.3% YoY
$2.3B
+8.0% YoY
$3.2B
+9.4% YoY
34%
Total Deposits ? $1.2B
-5.2% YoY -0.9% QoQ
-$1.1B $2.3B
-0.5% YoY
$2.6B
+7.1% YoY
$4.9B
+7.3% YoY
31%
Return on Assets ? 1.15%
+57.2% YoY +5.6% QoQ
-0.24% 1.39%
+17.0% YoY
1.63%
+26.6% YoY
1.30%
+12.1% YoY
41%
Net Interest Margin ? 3.63%
+20.6% YoY +2.2% QoQ
-0.24% 3.87%
+6.2% YoY
3.40%
+8.7% YoY
3.95%
+4.9% YoY
45%
Efficiency Ratio ? 60.29%
-15.5% YoY -6.3% QoQ
+0.56% 59.73%
-12.6% YoY
66.68%
-6.6% YoY
70.05%
+2.5% YoY
46%
Delinquency Rate ? 0.46%
-37.4% YoY -41.1% QoQ
-0.40% 0.87%
+11.7% YoY
0.92%
+32.0% YoY
0.98%
+16.3% YoY
56%
Loan-to-Deposit Ratio ? 87.16%
+4.4% YoY -0.3% QoQ
+2.13% 85.04%
-0.1% YoY
84.75%
+0.9% YoY
79.03%
+2.3% YoY
50%
Non-Interest-Bearing Deposit Share ? 16.30%
+12.3% YoY +4.8% QoQ
-4.97% 21.27%
-1.5% YoY
18.04%
+1.4% YoY
21.98%
-0.6% YoY
32%
Nonperforming Asset Ratio ? 0.35%
-34.3% YoY -39.3% QoQ
-0.32% 0.67%
+11.7% YoY
0.67%
+21.3% YoY
0.69%
+15.8% YoY
58%
Tier 1 Capital Ratio ? 14.75%
+5.8% YoY +1.5% QoQ
-0.09% 14.84%
-0.4% YoY
19.93%
+0.1% YoY
17.09%
+0.8% YoY
72%
Non-Interest Income / Assets ? 0.20%
+32.7% YoY +184.6% QoQ
-0.33% 0.53%
+2.5% YoY
1.47%
+21.0% YoY
0.66%
+5.2% YoY
30%

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 (PA) National Avg Tier Percentile
Noninterest-Bearing 16.3%
+1.8pp YoY
+0.7pp QoQ
 -5.1pp 21.4% 18.7% 22.2% 32%
Brokered Deposits 10.8%
-3.2pp YoY
-2.0pp QoQ
 +1.3pp 9.5% 6.8% 8.5% 71%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
C&I 4.7%
-1.2pp YoY
-0.5pp QoQ
 -9.3pp 14.0% 8.6% 12.5% 17%
CRE 42.1%
+1.7pp YoY
+0.3pp QoQ
 -8.0pp 50.0% 37.9% 41.4% 29%
1-4 Family 52.1%
-0.6pp YoY
+0.1pp QoQ
 +25.7pp 26.4% 47.8% 31.3% 91%
Consumer 0.3%
-0.1pp YoY
0.0pp QoQ
 -4.4pp 4.7% 3.8% 5.0% 22%

Capital

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
CET1 Ratio n/a n/a 15.6% 22.3% 19.7% n/a
Leverage Ratio 14.7%
+0.8pp YoY
+0.2pp QoQ
 +3.4pp 11.3% 13.2% 12.6% 92%
Total Capital Ratio n/a n/a 16.7% 23.3% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
Full-Time Employees 155
-3 (-1.9%) YoY
0 QoQ
 -159 313 299 482 24%
Assets per Employee ($) $9.3M
-1.3% YoY
-1.4% QoQ
 -$1.2M $10.5M $9.2M $8.8M 57%
Branch Count 10
0 YoY
0 QoQ
 -10 20 20 18 29%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.2% 0.2% 0.4% n/a
Nonaccrual 0.5%
-0.3pp YoY
-0.3pp QoQ
 -0.4pp 0.8% 0.9% 1.0% 45%
Allowance Coverage 1.98x
+36.8% YoY
+35.1% QoQ
 -16.73x 18.71x 3.63x 20.23x 48%
Net Charge-off Rate (YTD) 0.6%
+0.6pp YoY
+0.6pp QoQ
 +0.3pp 0.3% 0.1% 0.2% 93%

Profitability

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
ROE 8.2%
+2.4pp YoY
+0.3pp QoQ
 -4.4pp 12.6% 10.2% 11.6% 21%
Cost of Funds (YTD) 1.5%
-0.3pp YoY
0.0pp QoQ
 -0.4pp 1.9% 1.8% 1.7% 23%
Net Income ($, YTD) $8.4M
+54.1% YoY
— QoQ
 -$10.9M $19.2M $18.2M $40.4M 32%

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 (2)

Capital Constraint

risk
#5 of 32 • Bottom 12.5% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.

Why this signature
Loan-to-Deposit Ratio: 87.16%
(Tier: 85.04%, National: 79.03%)
worse than tier avg
Tier 1 Capital Ratio: 14.75%
(Tier: 14.84%, National: 17.09%)
worse than tier avg
32 of 32 Mid-Market banks match · 143 nationally
→ Stable -5 banks QoQ | QoQ rank improving

Deposit Outflow

decline
#59 of 131 • Bottom 44.3% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

131 of 131 Mid-Market banks match · 686 nationally
→ Stable +31 banks QoQ | QoQ rank improving

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).
Comparing against 885 peers in $1B-$10B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (0 metrics)

No weakness rankings available
Powered by BlastPoint © 2026