WASHINGTON STATE BANK

WASHINGTON, IA | Medium | Est. April 18, 1932, midnight | FDIC #214 | RSSD #433943 | FED
Latest Report: 2025-12-31

WASHINGTON STATE BANK is amn medium FDIC-insured commercial bank headquartered in WASHINGTON, IA, established in April 18, 1932, midnight. As of 2025-12-31, the bank reported total assets of $589M and total deposits of $520M. Profitability stands at 1.27% ROA and 17.58% ROE, with a net interest margin of 3.52%. The bank's CET1 capital ratio is 20.24%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.40% and a Texas Ratio of 4.75%. FDIC Certificate #214.

Assets

$589M

Deposits

$520M

Loans

$348M

Equity

$43M

Profitability

Return on Assets (ROA) 1.27%
Return on Equity (ROE) 17.58%
Net Interest Margin (NIM) 3.52%
Yield on Assets 5.89%
Cost of Funds 2.38%

Asset Quality

NPL Ratio 0.40%
Net Charge-Off Ratio 0.24%
Texas Ratio 4.75%
NPA Ratio 0.38%
ACL / Loans 1.36%

Capital & Liquidity

CET1 Ratio 20.24%
Tier 1 Capital 20.24%
Total Capital Ratio 21.49%
Leverage Ratio 12.24%
Loan-to-Deposit 66.99%

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