BlastPoint's Banking Scorecard
Washington State Bank
Designations: ✓ CDFI-certified
Washington, LA
7 branches across LA
Washington State Bank has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.12% above tier average
- + Net Interest Margin 0.45% above tier average
- + Efficiency Ratio 1.65% below tier average
Key Concerns
Areas that may need attention
- - Delinquency Rate 0.64% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (LA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$303.6M
+2.1% YoY
+2.5% QoQ
|
-$82.5M |
$386.1M
+0.5% YoY
|
$784.8M
+7.0% YoY
|
$6.2B
+9.1% YoY
|
47% |
| Total Loans ? |
$222.4M
+0.9% YoY
-0.5% QoQ
|
-$33.3M |
$255.7M
+1.1% YoY
|
$523.7M
+4.0% YoY
|
$3.2B
+10.8% YoY
|
54% |
| Total Deposits ? |
$268.0M
+1.3% YoY
+2.4% QoQ
|
-$59.9M |
$328.0M
+0.1% YoY
|
$671.5M
+6.9% YoY
|
$4.8B
+8.2% YoY
|
49% |
| Return on Assets ? |
1.39%
-1.1% YoY
-8.8% QoQ
|
+0.12% |
1.27%
+12.9% YoY
|
1.24%
+12.4% YoY
|
1.23%
+13.4% YoY
|
62% |
| Net Interest Margin ? |
4.38%
+9.1% YoY
+2.3% QoQ
|
+0.45% |
3.93%
+6.0% YoY
|
4.12%
+1.2% YoY
|
3.89%
+5.7% YoY
|
77% |
| Efficiency Ratio ? |
63.64%
+4.8% YoY
-0.4% QoQ
|
-1.65% |
65.29%
-4.5% YoY
|
70.37%
-1.0% YoY
|
66.95%
-4.1% YoY
|
49% |
| Delinquency Rate ? |
1.53%
-46.9% YoY
+152.8% QoQ
|
+0.64% |
0.89%
+18.8% YoY
|
1.51%
+4.5% YoY
|
0.95%
+18.8% YoY
|
18% |
| Loan-to-Deposit Ratio ? |
82.99%
-0.4% YoY
-2.8% QoQ
|
+6.36% |
76.64%
+0.8% YoY
|
75.16%
-1.5% YoY
|
76.70%
+0.9% YoY
|
40% |
| Non-Interest-Bearing Deposit Share ? |
29.93%
+2.0% YoY
+18.8% QoQ
|
+7.91% |
22.02%
-1.0% YoY
|
24.55%
-1.4% YoY
|
22.01%
-1.2% YoY
|
82% |
| Nonperforming Asset Ratio ? |
1.27%
-41.4% YoY
+106.6% QoQ
|
+0.64% |
0.64%
+19.7% YoY
|
1.07%
+4.2% YoY
|
0.67%
+19.3% YoY
|
Bottom 14.6% in tier |
| Tier 1 Capital Ratio ? |
15.15%
+5.8% YoY
+1.7% QoQ
|
-0.68% |
15.83%
+1.5% YoY
|
16.56%
+0.4% YoY
|
17.06%
+0.8% YoY
|
67% |
| Non-Interest Income / Assets ? |
0.11%
+40.5% YoY
-67.5% QoQ
|
-0.17% |
0.28%
+9.3% YoY
|
0.11%
-17.3% YoY
|
0.32%
+4.1% YoY
|
57% |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.