| Metric | Washington County Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.6% | +4.9% | +2.7 pts |
| Deposit growth (YoY) | +6.4% | +4.3% | +2.1 pts |
| Loan growth (YoY) | +2.0% | +5.3% | -3.4 pts |
| ROA | 1.80% | 1.28% | +0.5 pts |
| ROE | 14.7% | 12.4% | +2.2 pts |
ROA ranks in the 80th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $662.3M | $558.8M | $495.7M | $82.1M | $5.8M | 1.80% | 4.38% | 0.26% |
| Q1 2026 | $662.8M | $558.1M | $504.0M | $79.7M | $2.9M | 1.78% | 4.54% | 0.28% |
| Q4 2025 | $629.3M | $517.9M | $507.4M | $77.6M | $10.5M | 1.71% | 4.23% | 0.35% |
| Q3 2025 | $624.0M | $527.6M | $500.8M | $74.5M | $7.5M | 1.64% | 4.21% | 0.31% |
| Q2 2025 | $615.4M | $525.3M | $486.2M | $71.6M | $4.8M | 1.57% | 4.17% | 0.33% |
| Q1 2025 | $602.5M | $514.9M | $480.5M | $68.8M | $2.2M | 1.46% | 4.02% | 0.25% |
| Q4 2024 | $611.6M | $497.8M | $476.6M | $66.0M | $8.8M | 1.45% | 3.78% | 0.29% |
| Q3 2024 | $603.2M | $500.5M | $470.8M | $64.7M | $6.3M | 1.38% | 3.74% | 0.28% |
Loan mix (Q2 2026): real estate $244.4M · commercial $32.2M · consumer $4.4M · securities $73.2M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Washington County Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.80% | 1.28% | 80th | |
Return on equity Annualized net income ÷ equity or net worth | 14.7% | 12.4% | 65th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.38% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 48.8% | 61.2% | 16th |
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% |
| Ratio | Washington County Bank | 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% |
| Ratio | Washington County Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | Washington County Bank | 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% |
| Ratio | Washington County Bank | 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% |
| Ratio | Washington County Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
4 branches in 3 counties across 2 states (+0 vs 2024) · $525.3M branch deposits. Biggest market: Washington, NE, ranked 1st with 67.5% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Washington, NE | 2 | $437.1M | 67.47% | 1st |
| Burt, NE | 1 | $76.3M | 24.44% | 2nd |
| Harrison, IA | 1 | $11.8M | 2.90% | 7th |
Nebraska: 36th with 0.53% · Iowa: 319th with 0.01% · Omaha metro: 19th, 0.98% ·
Branch count: 2022 3 · 2023 4 · 2024 4 · 2025 4