BlastPoint's Banking Scorecard

Washington Financial Bank

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

Designations: ✓ Community bank

Washington, PA

10 branches across PA

884 banks in the $1B-$10B peer group nationally 37 in 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 0.10% below tier average

Key Concerns

Areas that may need attention

- Flatlined Growth: Bottom 24.7% in tier
- Capital Constraint: Bottom 27.0% in tier
- ROA 0.27% below tier average
- Net Interest Margin 0.26% below tier average
- Efficiency Ratio 3.31% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
Total Assets ?	$1.5B -1.2% YoY -1.2% QoQ	-$1.4B	$2.8B -0.1% YoY	$3.1B +7.0% YoY	$6.2B +9.1% YoY	32%
Total Loans ?	$1.1B -1.0% YoY -0.4% QoQ	-$897.5M	$2.0B +0.6% YoY	$2.2B +7.7% YoY	$3.2B +10.8% YoY	35%
Total Deposits ?	$1.2B -4.2% YoY -3.3% QoQ	-$1.1B	$2.3B -0.3% YoY	$2.6B +7.1% YoY	$4.8B +8.2% YoY	32%
Return on Assets ?	1.09% +33.5% YoY +237.0% QoQ	-0.27%	1.37% +19.6% YoY	1.46% +26.2% YoY	1.23% +13.4% YoY	40%
Net Interest Margin ?	3.56% +19.9% YoY +13.9% QoQ	-0.26%	3.82% +6.9% YoY	3.32% +8.7% YoY	3.89% +5.7% YoY	44%
Efficiency Ratio ?	64.37% -13.2% YoY -7.3% QoQ	+3.31%	61.06% -4.6% YoY	69.09% -7.7% YoY	66.95% -4.1% YoY	36%
Delinquency Rate ?	0.79% -1.8% YoY +24.6% QoQ	-0.10%	0.89% +14.1% YoY	0.92% +20.5% YoY	0.95% +18.8% YoY	36%
Loan-to-Deposit Ratio ?	87.39% +3.3% YoY +2.9% QoQ	+3.19%	84.20% +0.3% YoY	83.35% -0.2% YoY	76.70% +0.9% YoY	46%
Non-Interest-Bearing Deposit Share ?	15.55% +10.2% YoY +1.9% QoQ	-5.73%	21.29% -2.5% YoY	17.71% -0.1% YoY	22.01% -1.2% YoY	30%
Nonperforming Asset Ratio ?	0.58% -1.6% YoY +25.6% QoQ	-0.10%	0.67% +15.6% YoY	0.67% +14.7% YoY	0.67% +19.3% YoY	38%
Tier 1 Capital Ratio ?	14.53% +5.5% YoY +5.9% QoQ	-0.63%	15.16% +2.0% YoY	20.10% +0.3% YoY	17.06% +0.8% YoY	69%
Non-Interest Income / Assets ?	0.07% +7.1% YoY -76.3% QoQ	-0.19%	0.26% +1.6% YoY	0.69% +18.0% YoY	0.32% +4.1% YoY	17%

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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 (2)

Flatlined Growth

risk

#38 of 150 • Bottom 24.7% 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: 1.09%

(Tier: 1.37%, National: 1.23%)

worse than tier avg

150 of 150 Mid-Market banks match · 687 nationally

→ Stable +32 banks QoQ | QoQ rank declining

Capital Constraint

risk

#11 of 37 • Bottom 27.0% 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: 87.39%

(Tier: 84.20%, National: 76.70%)

worse than tier avg

Tier 1 Capital Ratio: 14.53%

(Tier: 15.16%, National: 17.06%)

worse than tier avg

37 of 37 Mid-Market banks match · 148 nationally

↑ Growing +19 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 884 peers in $1B-$10B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (1 metrics)

732

Non-Interest Income / Assets

revenue_mix

Value: 0.07%

Peer Median: 0.26%

#732 of 884 Bottom 17.3% in $1B-$10B