BlastPoint's Banking Scorecard
Bank of Washington
Community
Specialty: Commercial
MO
FDIC cert 12627
Washington, MO
1484
banks in Community tier nationally
62 in MO
View Community leaderboard (MO) →
Bank of Washington has 2 strengths but faces 6 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.18% above tier
- + Loan-to-Deposit Ratio 30.65% above tier
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 7% in Community
- - Capital Thin: Bottom 15% in Community
- - Flatlined Growth: Bottom 43% in Community
- - NIB Deposit Bleed: Bottom 65% in Community
- - Cost Spiral: Bottom 72% in Community
- - Nonperforming Asset Ratio 2.04% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.2B
+0.1% YoY
+4.1% QoQ
|
-$221.0M |
$1.4B
+2.0% YoY
|
$1.5B
+13.3% YoY
|
$5.9B
+6.5% YoY
|
59% |
| Total Loans ? |
$1.0B
+0.4% YoY
+3.6% QoQ
|
+$50.2M |
$975.5M
+2.4% YoY
|
$962.2M
+12.2% YoY
|
$3.1B
+8.5% YoY
|
69% |
| Total Deposits ? |
$902.0M
-0.5% YoY
-1.2% QoQ
|
-$262.6M |
$1.2B
+1.7% YoY
|
$1.3B
+12.4% YoY
|
$4.7B
+6.3% YoY
|
54% |
| Return on Assets ? |
1.11%
-26.8% YoY
+35.8% QoQ
|
-0.06% |
1.16%
+17.2% YoY
|
1.34%
+11.8% YoY
|
1.12%
+15.6% YoY
|
48% |
| Net Interest Margin ? |
4.85%
-2.2% YoY
+2.3% QoQ
|
+1.18% |
3.66%
+9.1% YoY
|
3.96%
+8.2% YoY
|
3.75%
+7.1% YoY
|
Top 7% in tier |
| Efficiency Ratio ? |
63.93%
+24.4% YoY
-2.8% QoQ
|
+1.30% |
62.63%
-5.3% YoY
|
60.96%
-4.9% YoY
|
65.09%
-5.1% YoY
|
45% |
| Delinquency Rate ? |
1.79%
-26.9% YoY
-28.1% QoQ
|
+1.16% |
0.63%
+18.3% YoY
|
0.68%
+40.2% YoY
|
0.66%
+20.3% YoY
|
Bottom 12% in tier |
| Loan-to-Deposit Ratio ? |
113.71%
+0.9% YoY
+4.9% QoQ
|
+30.65% |
83.06%
+0.3% YoY
|
81.02%
+1.1% YoY
|
78.04%
+0.7% YoY
|
Top 2% in tier |
| Non-Interest-Bearing Deposit Share ? |
16.85%
-14.1% YoY
-14.6% QoQ
|
-4.20% |
21.05%
-0.9% YoY
|
21.00%
+0.9% YoY
|
21.79%
-1.3% YoY
|
34% |
| Nonperforming Asset Ratio ? |
2.54%
-20.7% YoY
-20.6% QoQ
|
+2.04% |
0.50%
+20.3% YoY
|
0.56%
+46.7% YoY
|
0.48%
+20.8% YoY
|
Bottom 1% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
8.09%
-3.5% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.74%
+129.0% YoY
+32.2% QoQ
|
0 |
0.74%
-1.3% YoY
|
0.63%
+2.3% YoY
|
0.65%
+0.6% YoY
|
73% |
Signature Analysis
Strengths (2)
Net Interest Margin
metric
Top 7%
in Community
Why this stands out
Current:
4.85%
(Tier avg: 3.66%, National avg: 3.75%)
Loan-to-Deposit Ratio
metric
Top 2%
in Community
Why this stands out
Current:
113.71%
(Tier avg: 83.06%, National avg: 78.04%)
Concerns (6)
Margin Compression
decline
#9 of 120 · Bottom 7% in Community
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:
1.11%
(Tier: 1.16%, National: 1.12%)
120 of 120 Community banks match
·
147 nationally
→ Stable
-9 banks QoQ
|
QoQ rank declining
Capital Thin
risk
#64 of 432 · Bottom 15% in Community
Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Why this signature
Tier 1 Risk-Based Capital Ratio:
0.00%
(Tier: 10.24%, National: 9.75%)
432 of 432 Community banks match
·
505 nationally
→ Stable
+11 banks QoQ
|
QoQ rank improving
Flatlined Growth
risk
#107 of 245 · Bottom 43% in Community
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:
1.11%
(Tier: 1.16%, National: 1.12%)
245 of 245 Community banks match
·
308 nationally
↓ Shrinking
-35 banks QoQ
|
QoQ rank improving
NIB Deposit Bleed
decline
#58 of 89 · Bottom 65% in Community
Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.
Why this signature
Noninterest-Bearing Deposit Share:
16.85%
(Tier: 21.05%, National: 21.79%)
89 of 89 Community banks match
·
98 nationally
→ Stable
-10 banks QoQ
Cost Spiral
risk
#29 of 40 · Bottom 72% in Community
Historically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.
Why this signature
Efficiency Ratio:
63.93%
(Tier: 62.63%, National: 65.09%)
40 of 40 Community banks match
·
50 nationally
↓ Shrinking
-10 banks QoQ
|
QoQ rank improving
Nonperforming Asset Ratio
metric
Bottom 1%
in Community
Why this stands out
Current:
2.54%
(Tier avg: 0.50%, National avg: 0.48%)
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
98
98th pctile
Loan-to-Deposit Ratio
Current: 113.71% · Tier avg: 83.06%
93
93th pctile
Net Interest Margin
Current: 4.85% · Tier avg: 3.66%
73
73th pctile
Non-Interest Income / Assets
Current: 0.74% · Tier avg: 0.74%
69
69th pctile
Total Loans
Current: $1.0B · Tier avg: $975.5M
59
59th pctile
Total Assets
Current: $1.2B · Tier avg: $1.4B
54
54th pctile
Total Deposits
Current: $902.0M · Tier avg: $1.2B
48
48th pctile
Return on Assets
Current: 1.11% · Tier avg: 1.16%
45
45th pctile
Efficiency Ratio
Current: 63.93% · Tier avg: 62.63%
34
34th pctile
Non-Interest-Bearing Deposit Share
Current: 16.85% · Tier avg: 21.05%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
12
12th pctile
Delinquency Rate
Current: 1.79% · Tier avg: 0.63%
0
0th pctile
Nonperforming Asset Ratio
Current: 2.54% · Tier avg: 0.50%
Top Weaknesses
0
0th pctile
Nonperforming Asset Ratio
Current: 2.54% · Tier avg: 0.50%
12
12th pctile
Delinquency Rate
Current: 1.79% · Tier avg: 0.63%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
34
34th pctile
Non-Interest-Bearing Deposit Share
Current: 16.85% · Tier avg: 21.05%
45
45th pctile
Efficiency Ratio
Current: 63.93% · Tier avg: 62.63%
48
48th pctile
Return on Assets
Current: 1.11% · Tier avg: 1.16%
54
54th pctile
Total Deposits
Current: $902.0M · Tier avg: $1.2B
59
59th pctile
Total Assets
Current: $1.2B · Tier avg: $1.4B
69
69th pctile
Total Loans
Current: $1.0B · Tier avg: $975.5M
73
73th pctile
Non-Interest Income / Assets
Current: 0.74% · Tier avg: 0.74%
93
93th pctile
Net Interest Margin
Current: 4.85% · Tier avg: 3.66%
98
98th pctile
Loan-to-Deposit Ratio
Current: 113.71% · Tier avg: 83.06%