BlastPoint's Banking Scorecard
Washington County Bank
Community
Specialty: Agricultural
NE
FDIC cert 12241
Blair, NE
1484
banks in Community tier nationally
39 in NE
View Community leaderboard (NE) →
Washington County Bank faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 25% in Community
- - Liquidity Strain: Bottom 49% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$629.3M
+2.9% YoY
+0.8% QoQ
|
-$762.1M |
$1.4B
+2.0% YoY
|
$784.0M
+6.0% YoY
|
$5.9B
+6.5% YoY
|
18% |
| Total Loans ? |
$507.4M
+6.5% YoY
+1.3% QoQ
|
-$468.1M |
$975.5M
+2.4% YoY
|
$552.2M
+6.8% YoY
|
$3.1B
+8.5% YoY
|
32% |
| Total Deposits ? |
$517.9M
+4.0% YoY
-1.8% QoQ
|
-$646.7M |
$1.2B
+1.7% YoY
|
$649.0M
+5.0% YoY
|
$4.7B
+6.3% YoY
|
16% |
| Return on Assets ? |
1.71%
+18.0% YoY
+4.3% QoQ
|
+0.54% |
1.16%
+17.2% YoY
|
1.20%
+15.2% YoY
|
1.12%
+15.6% YoY
|
84% |
| Net Interest Margin ? |
4.23%
+12.0% YoY
+0.6% QoQ
|
+0.57% |
3.66%
+9.1% YoY
|
3.74%
+7.8% YoY
|
3.75%
+7.1% YoY
|
79% |
| Efficiency Ratio ? |
49.14%
-2.3% YoY
-3.0% QoQ
|
-13.50% |
62.63%
-5.3% YoY
|
61.59%
-6.3% YoY
|
65.09%
-5.1% YoY
|
Top 15% in tier |
| Delinquency Rate ? |
0.44%
+16.4% YoY
+11.3% QoQ
|
-0.19% |
0.63%
+18.3% YoY
|
0.29%
+38.1% YoY
|
0.66%
+20.3% YoY
|
51% |
| Loan-to-Deposit Ratio ? |
97.97%
+2.3% YoY
+3.2% QoQ
|
+14.90% |
83.06%
+0.3% YoY
|
82.86%
+0.3% YoY
|
78.04%
+0.7% YoY
|
17% |
| Non-Interest-Bearing Deposit Share ? |
20.40%
-9.6% YoY
+0.2% QoQ
|
-0.65% |
21.05%
-0.9% YoY
|
18.22%
-2.1% YoY
|
21.79%
-1.3% YoY
|
52% |
| Nonperforming Asset Ratio ? |
0.35%
+20.5% YoY
+11.8% QoQ
|
-0.15% |
0.50%
+20.3% YoY
|
0.26%
+54.6% YoY
|
0.48%
+20.8% YoY
|
50% |
| Tier 1 Capital Ratio ? |
15.14%
+6.9% YoY
+2.0% QoQ
|
+4.89% |
10.24%
-0.6% YoY
|
6.79%
+0.2% YoY
|
9.75%
-1.9% YoY
|
77% |
| Non-Interest Income / Assets ? |
0.50%
+18.2% YoY
+38.5% QoQ
|
-0.24% |
0.74%
-1.3% YoY
|
0.47%
-3.0% YoY
|
0.65%
+0.6% YoY
|
48% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Credit Risk Growth
risk
#159 of 642 · Bottom 25% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
|
QoQ rank declining
Liquidity Strain
risk
#250 of 513 · Bottom 49% in Community
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
97.97%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank declining
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
85
85th pctile
Efficiency Ratio
Current: 49.14% · Tier avg: 62.63%
84
84th pctile
Return on Assets
Current: 1.71% · Tier avg: 1.16%
79
79th pctile
Net Interest Margin
Current: 4.23% · Tier avg: 3.66%
77
77th pctile
Tier 1 Capital Ratio
Current: 15.14% · Tier avg: 10.24%
52
52th pctile
Non-Interest-Bearing Deposit Share
Current: 20.40% · Tier avg: 21.05%
51
51th pctile
Delinquency Rate
Current: 0.44% · Tier avg: 0.63%
50
50th pctile
Nonperforming Asset Ratio
Current: 0.35% · Tier avg: 0.50%
48
48th pctile
Non-Interest Income / Assets
Current: 0.50% · Tier avg: 0.74%
32
32th pctile
Total Loans
Current: $507.4M · Tier avg: $975.5M
18
18th pctile
Total Assets
Current: $629.3M · Tier avg: $1.4B
17
17th pctile
Loan-to-Deposit Ratio
Current: 97.97% · Tier avg: 83.06%
16
16th pctile
Total Deposits
Current: $517.9M · Tier avg: $1.2B
Top Weaknesses
16
16th pctile
Total Deposits
Current: $517.9M · Tier avg: $1.2B
17
17th pctile
Loan-to-Deposit Ratio
Current: 97.97% · Tier avg: 83.06%
18
18th pctile
Total Assets
Current: $629.3M · Tier avg: $1.4B
32
32th pctile
Total Loans
Current: $507.4M · Tier avg: $975.5M
48
48th pctile
Non-Interest Income / Assets
Current: 0.50% · Tier avg: 0.74%
50
50th pctile
Nonperforming Asset Ratio
Current: 0.35% · Tier avg: 0.50%
51
51th pctile
Delinquency Rate
Current: 0.44% · Tier avg: 0.63%
52
52th pctile
Non-Interest-Bearing Deposit Share
Current: 20.40% · Tier avg: 21.05%
77
77th pctile
Tier 1 Capital Ratio
Current: 15.14% · Tier avg: 10.24%
79
79th pctile
Net Interest Margin
Current: 4.23% · Tier avg: 3.66%
84
84th pctile
Return on Assets
Current: 1.71% · Tier avg: 1.16%
85
85th pctile
Efficiency Ratio
Current: 49.14% · Tier avg: 62.63%