| Metric | Washington State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.8% | +4.9% | +0.9 pts |
| Deposit growth (YoY) | +0.3% | +4.3% | -4.0 pts |
| Loan growth (YoY) | +10.3% | +5.3% | +5.0 pts |
| ROA | 1.39% | 1.28% | +0.1 pts |
| ROE | 18.5% | 12.4% | +6.0 pts |
ROA ranks in the 56th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $601.1M | $510.5M | $360.5M | $49.0M | $4.2M | 1.39% | 3.37% | 0.46% |
| Q1 2026 | $596.4M | $501.6M | $357.4M | $43.0M | $2.1M | 1.39% | 3.29% | 0.39% |
| Q4 2025 | $588.9M | $519.9M | $343.6M | $43.0M | $7.8M | 1.35% | 3.44% | 0.43% |
| Q3 2025 | $592.8M | $526.8M | $339.2M | $42.3M | $6.0M | 1.38% | 3.41% | 0.62% |
| Q2 2025 | $568.1M | $508.7M | $326.8M | $35.5M | $4.1M | 1.44% | 3.36% | 0.74% |
| Q1 2025 | $568.1M | $501.6M | $324.4M | $39.1M | $2.0M | 1.39% | 3.35% | 0.59% |
| Q4 2024 | $576.6M | $511.6M | $318.0M | $40.2M | $7.0M | 1.24% | 3.18% | 0.63% |
| Q3 2024 | $568.7M | $492.5M | $310.3M | $51.7M | $5.8M | 1.36% | 3.19% | 0.54% |
Loan mix (Q2 2026): real estate $297.2M · commercial $21.8M · consumer $2.7M · securities $190.8M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Washington State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.39% | 1.28% | 56th | |
Return on equity Annualized net income ÷ equity or net worth | 18.5% | 12.4% | 83th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.37% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 45.7% | 61.2% | 11th |
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 State 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 State 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 State 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 State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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