BlastPoint's Banking Scorecard
FNB Washington
Designations: ✓ Community bank
Washington, KS
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 536 banks in the under $100M peer group nationwide — 1 of 48 in KS.
- Deposits +6.8% year over year ($57.4M on the books).
- Delinquency rate 0.18%.
- Return on assets 1.94%.
- Efficiency ratio 49.48% vs a 119.40% peer average.
- Loan-to-deposit ratio 70.71% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
FNB Washington demonstrates 3 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 69.91% below tier average
- + ROA 0.94% above tier average
- + Delinquency Rate 1.30% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$87.8M
+4.0% YoY
-0.3% QoQ
|
+$25.4M |
$62.4M
-0.0% YoY
|
$513.9M
+7.1% YoY
|
$6.3B
+7.7% YoY
|
84% |
| Total Loans ? |
$40.6M
+0.9% YoY
+0.1% QoQ
|
+$5.7M |
$34.9M
-0.6% YoY
|
$343.7M
+7.8% YoY
|
$3.2B
+9.4% YoY
|
63% |
| Total Deposits ? |
$57.4M
+6.8% YoY
+1.3% QoQ
|
+$5.8M |
$51.6M
-0.2% YoY
|
$426.3M
+7.4% YoY
|
$4.9B
+7.3% YoY
|
55% |
| Return on Assets ? |
1.94%
+8.6% YoY
-2.8% QoQ
|
+0.94% |
1.00%
+3.5% YoY
|
1.56%
+14.6% YoY
|
1.30%
+12.1% YoY
|
Top 12.5% in tier |
| Net Interest Margin ? |
3.96%
+8.4% YoY
+0.3% QoQ
|
+0.04% |
3.91%
+2.3% YoY
|
3.99%
+4.5% YoY
|
3.95%
+4.9% YoY
|
54% |
| Efficiency Ratio ? |
49.48%
+2.1% YoY
+1.4% QoQ
|
-69.91% |
119.40%
+49.6% YoY
|
60.13%
-4.7% YoY
|
70.05%
+2.5% YoY
|
Top 8.8% in tier |
| Delinquency Rate ? |
0.18%
-76.3% YoY
-58.0% QoQ
|
-1.30% |
1.48%
+31.8% YoY
|
0.82%
+9.9% YoY
|
0.98%
+16.3% YoY
|
61% |
| Loan-to-Deposit Ratio ? |
70.71%
-5.5% YoY
-1.2% QoQ
|
-3.50% |
74.21%
+12.6% YoY
|
72.94%
+0.4% YoY
|
79.03%
+2.3% YoY
|
44% |
| Non-Interest-Bearing Deposit Share ? |
30.17%
+9.8% YoY
-3.2% QoQ
|
+6.68% |
23.49%
+0.6% YoY
|
22.01%
-1.4% YoY
|
21.98%
-0.6% YoY
|
74% |
| Nonperforming Asset Ratio ? |
0.08%
-79.4% YoY
-57.8% QoQ
|
-0.75% |
0.84%
+23.0% YoY
|
0.53%
+8.8% YoY
|
0.69%
+15.8% YoY
|
62% |
| Tier 1 Capital Ratio ? |
25.88%
+2.7% YoY
-1.7% QoQ
|
-1.24% |
27.13%
+3.0% YoY
|
17.75%
-1.2% YoY
|
17.09%
+0.8% YoY
|
80% |
| Non-Interest Income / Assets ? |
0.12%
+27.9% YoY
+54.9% QoQ
|
-1.26% |
1.38%
+6.3% YoY
|
0.59%
-1.1% YoY
|
0.66%
+5.2% YoY
|
48% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
30.2%
+2.7pp YoY -1.0pp QoQ |
+5.5pp | 24.6% | 22.3% | 22.2% | 73% |
| Brokered Deposits | n/a | n/a | 9.8% | 8.7% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
4.1%
-1.2pp YoY -0.7pp QoQ |
-9.3pp | 13.4% | 12.6% | 12.5% | 15% |
| CRE | n/a | n/a | 25.2% | 28.8% | 41.4% | n/a |
| 1-4 Family |
23.5%
-1.4pp YoY -2.1pp QoQ |
-11.5pp | 35.0% | 26.7% | 31.3% | 42% |
| Consumer |
4.4%
+0.2pp YoY +0.8pp QoQ |
-3.2pp | 7.7% | 4.6% | 5.0% | 46% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 38.7% | 23.3% | 19.7% | n/a |
| Leverage Ratio |
25.9%
+0.7pp YoY -0.5pp QoQ |
+8.2pp | 17.7% | 12.6% | 12.6% | 91% |
| Total Capital Ratio | n/a | n/a | 39.7% | 24.4% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
11
0 YoY 0 QoQ |
-1 | 12 | 70 | 482 | 50% |
| Assets per Employee ($) |
$8.0M
+4.0% YoY -0.3% QoQ |
+$1.8M | $6.2M | $7.1M | $8.8M | 79% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 6 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 1.0% | 0.4% | 0.4% | n/a |
| Nonaccrual |
0.2%
-0.6pp YoY -0.3pp QoQ |
-1.6pp | 1.7% | 0.8% | 1.0% | 22% |
| Allowance Coverage |
12.50x
+318.5% YoY +137.8% QoQ |
+6.09x | 6.41x | 22.44x | 20.23x | 90% |
| Net Charge-off Rate (YTD) |
-0.0%
0.0pp QoQ |
-0.2pp | 0.2% | 0.1% | 0.2% | 32% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
7.6%
+0.3pp YoY -0.2pp QoQ |
+1.2pp | 6.4% | 14.3% | 11.6% | 47% |
| Cost of Funds (YTD) |
0.8%
-0.2pp YoY 0.0pp QoQ |
-0.7pp | 1.4% | 1.6% | 1.7% | 15% |
| Net Income ($, YTD) |
$847,000
+9.4% YoY — QoQ |
+$529K | $317,817 | $3.7M | $40.4M | 92% |
Get Full Access to FNB Washington
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
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.