BlastPoint's Banking Scorecard
Washington State Bank
Micro
Specialty: Mortgage
IL
FDIC cert 16667
Designations: ✓ Community bank
Washington, IL
2498
banks in Micro tier nationally
227 in IL
View Micro leaderboard (IL) →
Washington State Bank has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 33.58% below tier
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.64% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$82.5M
+1.8% YoY
+2.5% QoQ
|
-$135.0M |
$217.5M
+2.3% YoY
|
$2.3B
+4.6% YoY
|
$5.9B
+6.5% YoY
|
17% |
| Total Loans ? |
$30.2M
-0.2% YoY
-1.8% QoQ
|
-$108.9M |
$139.2M
+2.8% YoY
|
$1.2B
+2.7% YoY
|
$3.1B
+8.5% YoY
|
Bottom 11% in tier |
| Total Deposits ? |
$73.8M
-3.0% YoY
+3.8% QoQ
|
-$109.8M |
$183.7M
+1.8% YoY
|
$1.9B
+4.2% YoY
|
$4.7B
+6.3% YoY
|
19% |
| Return on Assets ? |
0.58%
+17.6% YoY
+1.1% QoQ
|
-0.51% |
1.08%
+14.7% YoY
|
1.03%
+18.8% YoY
|
1.12%
+15.6% YoY
|
21% |
| Net Interest Margin ? |
2.21%
+5.9% YoY
+1.3% QoQ
|
-1.64% |
3.85%
+6.6% YoY
|
3.52%
+8.1% YoY
|
3.75%
+7.1% YoY
|
Bottom 3% in tier |
| Efficiency Ratio ? |
67.04%
-3.4% YoY
+0.3% QoQ
|
-0.68% |
67.73%
-4.8% YoY
|
66.24%
-5.4% YoY
|
65.09%
-5.1% YoY
|
48% |
| Delinquency Rate ? |
1.82%
+2.0% YoY
+44.8% QoQ
|
+1.18% |
0.64%
+24.4% YoY
|
0.79%
+21.0% YoY
|
0.66%
+20.3% YoY
|
Bottom 15% in tier |
| Loan-to-Deposit Ratio ? |
40.95%
+2.9% YoY
-5.4% QoQ
|
-33.58% |
74.53%
+0.5% YoY
|
73.97%
+1.0% YoY
|
78.04%
+0.7% YoY
|
Top 7% in tier |
| Non-Interest-Bearing Deposit Share ? |
20.67%
+5.9% YoY
+2.8% QoQ
|
-1.72% |
22.39%
-1.3% YoY
|
19.72%
-1.0% YoY
|
21.79%
-1.3% YoY
|
46% |
| Nonperforming Asset Ratio ? |
0.67%
+0.0% YoY
+38.7% QoQ
|
+0.21% |
0.45%
+25.1% YoY
|
0.53%
+18.6% YoY
|
0.48%
+20.8% YoY
|
30% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
10.12%
-4.0% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.17%
-1.1% YoY
+31.0% QoQ
|
-0.39% |
0.56%
+0.3% YoY
|
0.66%
+2.5% YoY
|
0.65%
+0.6% YoY
|
18% |
Signature Analysis
Strengths (1)
Loan-to-Deposit Ratio
metric
Top 7%
in Micro
Why this stands out
Current:
40.95%
(Tier avg: 74.53%, National avg: 78.04%)
Concerns (1)
Net Interest Margin
metric
Bottom 3%
in Micro
Why this stands out
Current:
2.21%
(Tier avg: 3.85%, National avg: 3.75%)
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
93
93th pctile
Loan-to-Deposit Ratio
Current: 40.95% · Tier avg: 74.53%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
48
48th pctile
Efficiency Ratio
Current: 67.04% · Tier avg: 67.73%
46
46th pctile
Non-Interest-Bearing Deposit Share
Current: 20.67% · Tier avg: 22.39%
30
30th pctile
Nonperforming Asset Ratio
Current: 0.67% · Tier avg: 0.45%
21
21th pctile
Return on Assets
Current: 0.58% · Tier avg: 1.08%
19
19th pctile
Total Deposits
Current: $73.8M · Tier avg: $183.7M
18
18th pctile
Non-Interest Income / Assets
Current: 0.17% · Tier avg: 0.56%
17
17th pctile
Total Assets
Current: $82.5M · Tier avg: $217.5M
15
15th pctile
Delinquency Rate
Current: 1.82% · Tier avg: 0.64%
11
11th pctile
Total Loans
Current: $30.2M · Tier avg: $139.2M
3
3th pctile
Net Interest Margin
Current: 2.21% · Tier avg: 3.85%
Top Weaknesses
3
3th pctile
Net Interest Margin
Current: 2.21% · Tier avg: 3.85%
11
11th pctile
Total Loans
Current: $30.2M · Tier avg: $139.2M
15
15th pctile
Delinquency Rate
Current: 1.82% · Tier avg: 0.64%
17
17th pctile
Total Assets
Current: $82.5M · Tier avg: $217.5M
18
18th pctile
Non-Interest Income / Assets
Current: 0.17% · Tier avg: 0.56%
19
19th pctile
Total Deposits
Current: $73.8M · Tier avg: $183.7M
21
21th pctile
Return on Assets
Current: 0.58% · Tier avg: 1.08%
30
30th pctile
Nonperforming Asset Ratio
Current: 0.67% · Tier avg: 0.45%
46
46th pctile
Non-Interest-Bearing Deposit Share
Current: 20.67% · Tier avg: 22.39%
48
48th pctile
Efficiency Ratio
Current: 67.04% · Tier avg: 67.73%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
93
93th pctile
Loan-to-Deposit Ratio
Current: 40.95% · Tier avg: 74.53%