| Metric | Washington State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.4% | +3.0% | -4.3 pts |
| Deposit growth (YoY) | +0.7% | +2.5% | -1.8 pts |
| Loan growth (YoY) | -2.8% | +2.6% | -5.4 pts |
| ROA | 0.75% | 0.99% | -0.2 pts |
| ROE | 10.8% | 8.1% | +2.7 pts |
ROA ranks in the 38th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $79.1M | $70.2M | $29.7M | $5.6M | $304K | 0.75% | 2.25% | 0.40% |
| Q1 2026 | $82.2M | $74.4M | $29.3M | $5.7M | $147K | 0.72% | 2.25% | 0.29% |
| Q4 2025 | $81.8M | $73.8M | $29.6M | $5.6M | $-210K | -0.26% | 2.19% | 0.62% |
| Q3 2025 | $80.5M | $71.1M | $30.8M | $6.2M | $344K | 0.57% | 2.18% | 0.48% |
| Q2 2025 | $80.1M | $69.7M | $30.5M | $5.5M | $213K | 0.53% | 2.16% | 0.35% |
| Q1 2025 | $80.8M | $74.7M | $30.1M | $5.4M | $94K | 0.46% | 2.16% | 0.55% |
| Q4 2024 | $81.0M | $76.1M | $30.3M | $4.7M | $385K | 0.49% | 2.09% | 0.67% |
| Q3 2024 | $80.0M | $74.1M | $30.5M | $5.8M | $271K | 0.46% | 2.04% | 0.83% |
Loan mix (Q2 2026): real estate $25.0M · commercial $2.9M · consumer $2.7M · securities $46.4M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Washington State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.75% | 0.99% | 38th | |
Return on equity Annualized net income ÷ equity or net worth | 10.8% | 8.1% | 66th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.25% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 57.7% | 70.8% | 24th |
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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