WASHINGTON STATE BANK

WASHINGTON, LA | Small | Est. April 10, 1893, midnight | FDIC #9326 | RSSD #311939 | FDIC
Latest Report: 2025-12-31

WASHINGTON STATE BANK is asn small FDIC-insured commercial bank headquartered in WASHINGTON, LA, established in April 10, 1893, midnight. As of 2025-12-31, the bank reported total assets of $296M and total deposits of $262M. Profitability stands at 1.33% ROA and 12.39% ROE, with a net interest margin of 4.41%. The bank's CET1 capital ratio is 14.90%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.57% and a Texas Ratio of 5.20%. FDIC Certificate #9326.

Assets

$296M

Deposits

$262M

Loans

$226M

Equity

$32M

Profitability

Return on Assets (ROA) 1.33%
Return on Equity (ROE) 12.39%
Net Interest Margin (NIM) 4.41%
Yield on Assets 6.25%
Cost of Funds 1.92%

Asset Quality

NPL Ratio 0.57%
Net Charge-Off Ratio 0.46%
Texas Ratio 5.20%
NPA Ratio 0.60%
ACL / Loans 0.93%

Capital & Liquidity

CET1 Ratio 14.90%
Tier 1 Capital 14.90%
Total Capital Ratio 15.84%
Leverage Ratio 10.90%
Loan-to-Deposit 86.22%

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