BlastPoint's Banking Scorecard
Washington Financial Bank
Community
Specialty: Commercial
PA
FDIC cert 29520
Washington, PA
1484
banks in Community tier nationally
51 in PA
View Community leaderboard (PA) →
Washington Financial Bank faces 3 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 1% in Community
- - Capital Thin: Bottom 8% in Community
- - Return on Assets 0.84% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.5B
-1.7% YoY
-4.1% QoQ
|
+$82.5M |
$1.4B
+2.0% YoY
|
$3.0B
+6.6% YoY
|
$5.9B
+6.5% YoY
|
69% |
| Total Loans ? |
$1.1B
-1.1% YoY
-0.5% QoQ
|
+$96.7M |
$975.5M
+2.4% YoY
|
$2.2B
+7.9% YoY
|
$3.1B
+8.5% YoY
|
70% |
| Total Deposits ? |
$1.3B
-3.4% YoY
-4.9% QoQ
|
+$98.3M |
$1.2B
+1.7% YoY
|
$2.5B
+6.7% YoY
|
$4.7B
+6.3% YoY
|
70% |
| Return on Assets ? |
0.32%
-10.7% YoY
-50.8% QoQ
|
-0.84% |
1.16%
+17.2% YoY
|
0.80%
+34.8% YoY
|
1.12%
+15.6% YoY
|
Bottom 6% in tier |
| Net Interest Margin ? |
3.12%
+23.4% YoY
+3.0% QoQ
|
-0.54% |
3.66%
+9.1% YoY
|
3.23%
+9.5% YoY
|
3.75%
+7.1% YoY
|
22% |
| Efficiency Ratio ? |
69.47%
-8.9% YoY
-2.5% QoQ
|
+6.84% |
62.63%
-5.3% YoY
|
70.08%
-6.4% YoY
|
65.09%
-5.1% YoY
|
28% |
| Delinquency Rate ? |
0.63%
+6.5% YoY
-14.0% QoQ
|
0 |
0.63%
+18.3% YoY
|
0.65%
+5.6% YoY
|
0.66%
+20.3% YoY
|
39% |
| Loan-to-Deposit Ratio ? |
84.90%
+2.4% YoY
+4.5% QoQ
|
+1.83% |
83.06%
+0.3% YoY
|
84.39%
-0.1% YoY
|
78.04%
+0.7% YoY
|
50% |
| Non-Interest-Bearing Deposit Share ? |
15.27%
+8.3% YoY
+12.6% QoQ
|
-5.77% |
21.05%
-0.9% YoY
|
17.53%
+0.3% YoY
|
21.79%
-1.3% YoY
|
27% |
| Nonperforming Asset Ratio ? |
0.46%
+7.2% YoY
-10.8% QoQ
|
-0.04% |
0.50%
+20.3% YoY
|
0.48%
+10.7% YoY
|
0.48%
+20.8% YoY
|
41% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
11.49%
+7.4% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.29%
-27.9% YoY
+38.2% QoQ
|
-0.45% |
0.74%
-1.3% YoY
|
0.53%
+5.0% YoY
|
0.65%
+0.6% YoY
|
22% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (3)
Flatlined Growth
risk
#2 of 245 · Bottom 1% 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:
0.32%
(Tier: 1.16%, National: 1.12%)
245 of 245 Community banks match
·
308 nationally
↓ Shrinking
-35 banks QoQ
Capital Thin
risk
#34 of 432 · Bottom 8% 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 declining
Return on Assets
metric
Bottom 6%
in Community
Why this stands out
Current:
0.32%
(Tier avg: 1.16%, National avg: 1.12%)
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
70
70th pctile
Total Loans
Current: $1.1B · Tier avg: $975.5M
70
70th pctile
Total Deposits
Current: $1.3B · Tier avg: $1.2B
69
69th pctile
Total Assets
Current: $1.5B · Tier avg: $1.4B
50
50th pctile
Loan-to-Deposit Ratio
Current: 84.90% · Tier avg: 83.06%
41
41th pctile
Nonperforming Asset Ratio
Current: 0.46% · Tier avg: 0.50%
39
39th pctile
Delinquency Rate
Current: 0.63% · Tier avg: 0.63%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
28
28th pctile
Efficiency Ratio
Current: 69.47% · Tier avg: 62.63%
27
27th pctile
Non-Interest-Bearing Deposit Share
Current: 15.27% · Tier avg: 21.05%
22
22th pctile
Non-Interest Income / Assets
Current: 0.29% · Tier avg: 0.74%
22
22th pctile
Net Interest Margin
Current: 3.12% · Tier avg: 3.66%
6
6th pctile
Return on Assets
Current: 0.32% · Tier avg: 1.16%
Top Weaknesses
6
6th pctile
Return on Assets
Current: 0.32% · Tier avg: 1.16%
22
22th pctile
Net Interest Margin
Current: 3.12% · Tier avg: 3.66%
22
22th pctile
Non-Interest Income / Assets
Current: 0.29% · Tier avg: 0.74%
27
27th pctile
Non-Interest-Bearing Deposit Share
Current: 15.27% · Tier avg: 21.05%
28
28th pctile
Efficiency Ratio
Current: 69.47% · Tier avg: 62.63%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
39
39th pctile
Delinquency Rate
Current: 0.63% · Tier avg: 0.63%
41
41th pctile
Nonperforming Asset Ratio
Current: 0.46% · Tier avg: 0.50%
50
50th pctile
Loan-to-Deposit Ratio
Current: 84.90% · Tier avg: 83.06%
69
69th pctile
Total Assets
Current: $1.5B · Tier avg: $1.4B
70
70th pctile
Total Deposits
Current: $1.3B · Tier avg: $1.2B
70
70th pctile
Total Loans
Current: $1.1B · Tier avg: $975.5M