BlastPoint's Banking Scorecard
Washington State Bank
Community
Specialty: Agricultural
IA
FDIC cert 214
Washington, IA
1484
banks in Community tier nationally
58 in IA
View Community leaderboard (IA) →
Washington State Bank demonstrates 2 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 17.13% below tier
- + Tier 1 Capital Ratio 10.00% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$588.9M
+2.1% YoY
-0.7% QoQ
|
-$802.5M |
$1.4B
+2.0% YoY
|
$554.4M
+4.9% YoY
|
$5.9B
+6.5% YoY
|
Bottom 13% in tier |
| Total Loans ? |
$343.6M
+8.0% YoY
+1.3% QoQ
|
-$631.9M |
$975.5M
+2.4% YoY
|
$379.4M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
Bottom 8% in tier |
| Total Deposits ? |
$519.9M
+1.6% YoY
-1.3% QoQ
|
-$644.7M |
$1.2B
+1.7% YoY
|
$463.0M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
16% |
| Return on Assets ? |
1.35%
+9.2% YoY
-1.8% QoQ
|
+0.19% |
1.16%
+17.2% YoY
|
1.18%
+29.0% YoY
|
1.12%
+15.6% YoY
|
66% |
| Net Interest Margin ? |
3.44%
+8.2% YoY
+0.9% QoQ
|
-0.22% |
3.66%
+9.1% YoY
|
3.37%
+11.5% YoY
|
3.75%
+7.1% YoY
|
39% |
| Efficiency Ratio ? |
45.50%
+1.5% YoY
+1.7% QoQ
|
-17.13% |
62.63%
-5.3% YoY
|
59.86%
-8.6% YoY
|
65.09%
-5.1% YoY
|
Top 9% in tier |
| Delinquency Rate ? |
0.49%
-57.2% YoY
-53.9% QoQ
|
-0.14% |
0.63%
+18.3% YoY
|
0.57%
+48.1% YoY
|
0.66%
+20.3% YoY
|
47% |
| Loan-to-Deposit Ratio ? |
66.08%
+6.3% YoY
+2.6% QoQ
|
-16.98% |
83.06%
+0.3% YoY
|
79.50%
+1.5% YoY
|
78.04%
+0.7% YoY
|
Bottom 15% in tier |
| Non-Interest-Bearing Deposit Share ? |
13.75%
+22.9% YoY
+5.7% QoQ
|
-7.29% |
21.05%
-0.9% YoY
|
18.11%
-1.9% YoY
|
21.79%
-1.3% YoY
|
21% |
| Nonperforming Asset Ratio ? |
0.43%
-31.2% YoY
-29.7% QoQ
|
-0.07% |
0.50%
+20.3% YoY
|
0.44%
+46.5% YoY
|
0.48%
+20.8% YoY
|
43% |
| Tier 1 Capital Ratio ? |
20.24%
+4.2% YoY
-0.6% QoQ
|
+10.00% |
10.24%
-0.6% YoY
|
8.07%
-1.4% YoY
|
9.75%
-1.9% YoY
|
Top 6% in tier |
| Non-Interest Income / Assets ? |
0.30%
-9.2% YoY
+31.6% QoQ
|
-0.44% |
0.74%
-1.3% YoY
|
0.46%
+1.9% YoY
|
0.65%
+0.6% YoY
|
22% |
Signature Analysis
Strengths (2)
Efficiency Ratio
metric
Top 9%
in Community
Why this stands out
Current:
45.50%
(Tier avg: 62.63%, National avg: 65.09%)
Tier 1 Capital Ratio
metric
Top 6%
in Community
Why this stands out
Current:
20.24%
(Tier avg: 10.24%, National avg: 9.75%)
Concerns (0)
No concerns identified
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
94
94th pctile
Tier 1 Capital Ratio
Current: 20.24% · Tier avg: 10.24%
91
91th pctile
Efficiency Ratio
Current: 45.50% · Tier avg: 62.63%
66
66th pctile
Return on Assets
Current: 1.35% · Tier avg: 1.16%
47
47th pctile
Delinquency Rate
Current: 0.49% · Tier avg: 0.63%
43
43th pctile
Nonperforming Asset Ratio
Current: 0.43% · Tier avg: 0.50%
39
39th pctile
Net Interest Margin
Current: 3.44% · Tier avg: 3.66%
22
22th pctile
Non-Interest Income / Assets
Current: 0.30% · Tier avg: 0.74%
21
21th pctile
Non-Interest-Bearing Deposit Share
Current: 13.75% · Tier avg: 21.05%
16
16th pctile
Total Deposits
Current: $519.9M · Tier avg: $1.2B
15
15th pctile
Loan-to-Deposit Ratio
Current: 66.08% · Tier avg: 83.06%
13
13th pctile
Total Assets
Current: $588.9M · Tier avg: $1.4B
8
8th pctile
Total Loans
Current: $343.6M · Tier avg: $975.5M
Top Weaknesses
8
8th pctile
Total Loans
Current: $343.6M · Tier avg: $975.5M
13
13th pctile
Total Assets
Current: $588.9M · Tier avg: $1.4B
15
15th pctile
Loan-to-Deposit Ratio
Current: 66.08% · Tier avg: 83.06%
16
16th pctile
Total Deposits
Current: $519.9M · Tier avg: $1.2B
21
21th pctile
Non-Interest-Bearing Deposit Share
Current: 13.75% · Tier avg: 21.05%
22
22th pctile
Non-Interest Income / Assets
Current: 0.30% · Tier avg: 0.74%
39
39th pctile
Net Interest Margin
Current: 3.44% · Tier avg: 3.66%
43
43th pctile
Nonperforming Asset Ratio
Current: 0.43% · Tier avg: 0.50%
47
47th pctile
Delinquency Rate
Current: 0.49% · Tier avg: 0.63%
66
66th pctile
Return on Assets
Current: 1.35% · Tier avg: 1.16%
91
91th pctile
Efficiency Ratio
Current: 45.50% · Tier avg: 62.63%
94
94th pctile
Tier 1 Capital Ratio
Current: 20.24% · Tier avg: 10.24%