The New Washington State Bank
Total assets
$798.1M
▲ +23.8% YoY
Deposits
$721.6M
▲ +22.4% YoY
Loans
$526.6M
▲ +22.1% YoY
Offices
12
NEW INDEPENDENT BANCSHARES INC
ROA (annualized)
0.93%
peers 1.28%
ROE (annualized)
10.16%
peers 12.44%
Peer comparison 748 banks with 500M-1B in assets
| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +23.8% | +4.9% | +18.9 pts |
| Deposit growth (YoY) | +22.4% | +4.3% | +18.0 pts |
| Loan growth (YoY) | +22.1% | +5.3% | +16.8 pts |
| ROA | 0.93% | 1.28% | -0.3 pts |
| ROE | 10.2% | 12.4% | -2.3 pts |
ROA ranks in the 27th percentile of its peer group · Q2 2026
Profile
- Established
- 1908
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- NEW INDEPENDENT BANCSHARES INC
- Specialization
- Commercial Lending Specialization
- Address
- 402 E Main St, New Washington, IN, 47162
- County
- Clark
- Metro area
- Louisville-Jefferson County, KY-IN
- Offices
- 12
- FDIC cert #
- 13305
- RSSD ID
- 305442
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $798.1M | $721.6M | $526.6M | $70.0M | $3.6M | 0.93% | 3.89% | 0.88% |
| Q1 2026 | $769.0M | $688.9M | $508.8M | $72.1M | $1.7M | 0.89% | 3.85% | 0.52% |
| Q4 2025 | $762.9M | $682.9M | $496.4M | $71.3M | $4.2M | 0.65% | 3.73% | 0.54% |
| Q3 2025 | $637.3M | $580.0M | $436.5M | $51.6M | $3.4M | 0.73% | 3.74% | 0.58% |
| Q2 2025 | $644.8M | $589.7M | $431.3M | $49.7M | $2.0M | 0.66% | 3.71% | 0.50% |
| Q1 2025 | $614.7M | $560.9M | $420.2M | $48.7M | $1.4M | 0.90% | 3.71% | 0.50% |
| Q4 2024 | $583.2M | $531.4M | $404.7M | $46.2M | $4.9M | 0.88% | 3.73% | 0.54% |
| Q3 2024 | $567.6M | $515.4M | $381.2M | $48.3M | $3.6M | 0.88% | 3.68% | 0.59% |
Loan mix (Q2 2026): real estate $385.7M · commercial $82.1M · consumer $36.5M · securities $163.4M
Ratio pack Q2 2026 · peer medians from 748 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.93% | 1.28% | 27th | |
Return on equity Annualized net income ÷ equity or net worth | 10.2% | 12.4% | 34th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.89% | 3.89% | 50th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 70.0% | 61.2% | 74th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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