Washington State Bank
Total assets
$309.2M
▲ +1.4% YoY
Deposits
$273.9M
▲ +1.0% YoY
Loans
$224.6M
▼ -1.3% YoY
Offices
7
WASHINGTON ST BANCSHARES INC
ROA (annualized)
1.12%
peers 1.24%
ROE (annualized)
10.55%
peers 11.87%
Peer comparison 1,900 banks with 100M-500M in assets
| Metric | Washington State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.4% | +4.4% | -3.0 pts |
| Deposit growth (YoY) | +1.0% | +4.0% | -3.0 pts |
| Loan growth (YoY) | -1.3% | +5.6% | -6.9 pts |
| ROA | 1.12% | 1.24% | -0.1 pts |
| ROE | 10.6% | 11.9% | -1.3 pts |
ROA ranks in the 43rd percentile of its peer group · Q2 2026
Profile
- Established
- 1893
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- WASHINGTON ST BANCSHARES INC
- Specialization
- Commercial Lending Specialization
- Address
- 103 North Main Street, Washington, LA, 70589
- County
- St. Landry
- Metro area
- Opelousas, LA
- Offices
- 7
- FDIC cert #
- 9326
- RSSD ID
- 311939
- 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 | $309.2M | $273.9M | $224.6M | $32.3M | $1.7M | 1.12% | 4.44% | 1.14% |
| Q1 2026 | $303.6M | $268.0M | $222.4M | $32.7M | $1.0M | 1.39% | 4.38% | 1.27% |
| Q4 2025 | $296.1M | $261.7M | $223.5M | $31.8M | $4.6M | 1.53% | 4.29% | 0.62% |
| Q3 2025 | $299.2M | $264.2M | $223.5M | $31.9M | $3.6M | 1.59% | 4.28% | 0.99% |
| Q2 2025 | $305.0M | $271.3M | $227.6M | $30.6M | $2.1M | 1.39% | 4.10% | 2.32% |
| Q1 2025 | $297.3M | $264.6M | $220.5M | $29.7M | $1.0M | 1.41% | 4.02% | 2.17% |
| Q4 2024 | $297.7M | $266.2M | $224.9M | $28.5M | $3.9M | 1.32% | 3.95% | 0.98% |
| Q3 2024 | $300.6M | $267.1M | $222.6M | $30.1M | $2.8M | 1.26% | 3.92% | 0.67% |
Loan mix (Q2 2026): real estate $188.7M · commercial $10.8M · consumer $15.0M · securities $47.0M
Ratio pack Q2 2026 · peer medians from 1900 institutions
Profitability
| Ratio | Washington State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.12% | 1.24% | 43th | |
Return on equity Annualized net income ÷ equity or net worth | 10.6% | 11.9% | 42th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.44% | 3.96% | 76th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 65.3% | 62.9% | 57th | |
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 | 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% |
Capital
| 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% |
Credit quality
| 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% |
Franchise
| 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% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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