BlastPoint's Banking Scorecard

Washington State Bank

$100M-$1B Specialty: Commercial LA FDIC cert 9326

Designations: ✓ CDFI-certified

Washington, LA

7 branches across LA

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 73 in LA.
Deposits +1.0% year over year ($273.9M on the books).
Delinquency rate 1.30%.
Return on assets 1.12%.
Efficiency ratio 65.29% vs a 64.48% peer average.
Loan-to-deposit ratio 82.01% 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 73 in LA

View $100M-$1B leaderboard (LA) →

Washington State Bank has 1 strength but faces 3 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

+ Net Interest Margin 0.46% above tier average

Key Concerns

Areas that may need attention

- Margin Compression: Bottom 19.5% in tier
- Efficiency Ratio 0.82% above tier average
- Delinquency Rate 0.38% above tier average

Get updates when Washington State Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (LA)	National Avg	Tier Percentile
Total Assets ?	$309.2M +1.4% YoY +1.9% QoQ	-$77.4M	$386.6M +1.2% YoY	$799.3M +7.8% YoY	$6.3B +7.7% YoY	48%
Total Loans ?	$224.6M -1.3% YoY +1.0% QoQ	-$33.7M	$258.3M +1.7% YoY	$538.5M +5.3% YoY	$3.2B +9.4% YoY	53%
Total Deposits ?	$273.9M +1.0% YoY +2.2% QoQ	-$52.8M	$326.7M +0.7% YoY	$677.9M +7.3% YoY	$4.9B +7.3% YoY	50%
Return on Assets ?	1.12% -19.3% YoY -19.3% QoQ	-0.20%	1.32% +10.8% YoY	1.37% +23.6% YoY	1.30% +12.1% YoY	42%
Net Interest Margin ?	4.44% +8.5% YoY +1.3% QoQ	+0.46%	3.99% +5.0% YoY	4.15% +0.0% YoY	3.95% +4.9% YoY	77%
Efficiency Ratio ?	65.29% +1.8% YoY +2.6% QoQ	+0.82%	64.48% -3.2% YoY	69.40% -0.9% YoY	70.05% +2.5% YoY	41%
Delinquency Rate ?	1.30% -57.6% YoY -14.9% QoQ	+0.38%	0.92% +15.7% YoY	1.53% +7.9% YoY	0.98% +16.3% YoY	22%
Loan-to-Deposit Ratio ?	82.01% -2.3% YoY -1.2% QoQ	+4.06%	77.95% +1.0% YoY	77.15% -1.0% YoY	79.03% +2.3% YoY	45%
Non-Interest-Bearing Deposit Share ?	28.97% +0.3% YoY -3.2% QoQ	+6.94%	22.03% -0.6% YoY	24.65% +0.5% YoY	21.98% -0.6% YoY	79%
Nonperforming Asset Ratio ?	1.14% -51.1% YoY -10.7% QoQ	+0.47%	0.67% +16.4% YoY	1.11% +4.1% YoY	0.69% +15.8% YoY	17%
Tier 1 Capital Ratio ?	14.96% +5.3% YoY -1.3% QoQ	-0.95%	15.91% +1.4% YoY	17.35% +5.4% YoY	17.09% +0.8% YoY	65%
Non-Interest Income / Assets ?	0.19% +26.4% YoY +77.7% QoQ	-0.37%	0.57% +7.6% YoY	0.33% +19.6% YoY	0.66% +5.2% YoY	47%

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 (LA)	National Avg	Tier Percentile
Noninterest-Bearing	29.0% +0.1pp YoY -1.0pp QoQ	+6.8pp	22.1%	24.6%	22.2%	79%
Brokered Deposits	n/a	n/a	7.9%	6.7%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (LA)	National Avg	Tier Percentile
C&I	4.8% -1.7pp YoY 0.0pp QoQ	-6.7pp	11.6%	12.6%	12.5%	19%
CRE	47.9% -0.7pp YoY -0.5pp QoQ	+8.3pp	39.5%	44.9%	41.4%	66%
1-4 Family	32.1% +1.5pp YoY +0.2pp QoQ	-0.5pp	32.6%	34.2%	31.3%	56%
Consumer	6.7% -0.7pp YoY -0.2pp QoQ	+2.6pp	4.1%	4.2%	5.0%	84%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (LA)	National Avg	Tier Percentile
CET1 Ratio	15.0% +0.8pp YoY -0.2pp QoQ	-3.9pp	18.8%	22.5%	19.7%	48%
Leverage Ratio	10.8% +0.3pp YoY -0.3pp QoQ	-1.4pp	12.2%	13.4%	12.6%	46%
Total Capital Ratio	15.9% +0.4pp YoY -0.3pp QoQ	-4.0pp	19.9%	23.6%	20.8%	47%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (LA)	National Avg	Tier Percentile
Full-Time Employees	59 +2 (+3.5%) YoY 0 QoQ	+0	58	114	482	62%
Assets per Employee ($)	$5.2M -2.1% YoY +1.9% QoQ	-$2.3M	$7.5M	$6.8M	$8.8M	18%
Branch Count	7 0 YoY 0 QoQ	+2	4	9	18	75%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (LA)	National Avg	Tier Percentile
Past Due 90+ Days	0.2% +0.1pp QoQ	-0.1pp	0.3%	0.4%	0.4%	68%
Nonaccrual	1.1% -2.0pp YoY -0.4pp QoQ	+0.1pp	0.9%	1.4%	1.0%	73%
Allowance Coverage	0.73x +64.5% YoY +8.1% QoQ	-23.42x	24.15x	27.36x	20.23x	18%
Net Charge-off Rate (YTD)	0.6% +0.6pp YoY	+0.4pp	0.1%	0.1%	0.2%	95%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (LA)	National Avg	Tier Percentile
ROE	10.6% -3.6pp YoY -2.4pp QoQ	-1.6pp	12.2%	12.5%	11.6%	40%
Cost of Funds (YTD)	1.6% -0.3pp YoY 0.0pp QoQ	-0.1pp	1.7%	1.7%	1.7%	43%
Net Income ($, YTD)	$1.7M -18.5% YoY — QoQ	-$852K	$2.6M	$5.1M	$40.4M	46%

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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)

Margin Compression

decline

#61 of 307 • Bottom 19.5% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature

Return on Assets: 1.12%

(Tier: 1.32%, National: 1.30%)

worse than tier avg

307 of 307 Community banks match · 413 nationally

→ Stable +8 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 (2 metrics)

554

Non-Interest-Bearing Deposit Share

funding

Value: 28.97%

Peer Median: 22.03%

#554 of 2643 Top 20.9% in $100M-$1B

605

Net Interest Margin

profitability

Value: 4.44%

Peer Median: 3.99%

#605 of 2643 Top 22.9% in $100M-$1B

Top Weaknesses (2 metrics)

2184

Nonperforming Asset Ratio

credit_quality

Value: 1.14%

Peer Median: 0.67%

#2184 of 2643 Bottom 17.4% in $100M-$1B

2055

Delinquency Rate

credit_quality

Value: 1.30%

Peer Median: 0.92%

#2055 of 2633 Bottom 22.0% in $100M-$1B