WASHINGTON SAVINGS BANK

LOWELL, MA | Small | Est. April 6, 1892, midnight | FDIC #90229 | RSSD #654300 | FED
Latest Report: 2025-12-31

WASHINGTON SAVINGS BANK is asn small FDIC-insured commercial bank headquartered in LOWELL, MA, established in April 6, 1892, midnight. As of 2025-12-31, the bank reported total assets of $306M and total deposits of $241M. Profitability stands at 0.28% ROA and 3.06% ROE, with a net interest margin of 2.67%. The bank's CET1 capital ratio is 16.57%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.32% and a Texas Ratio of 2.59%. FDIC Certificate #90229.

Assets

$306M

Deposits

$241M

Loans

$240M

Equity

$28M

Profitability

Return on Assets (ROA) 0.28%
Return on Equity (ROE) 3.06%
Net Interest Margin (NIM) 2.67%
Yield on Assets 4.80%
Cost of Funds 2.17%

Asset Quality

NPL Ratio 0.32%
Net Charge-Off Ratio 0.00%
Texas Ratio 2.59%
NPA Ratio 0.25%
ACL / Loans 0.64%

Capital & Liquidity

CET1 Ratio 16.57%
Tier 1 Capital 16.57%
Total Capital Ratio 17.52%
Leverage Ratio 9.65%
Loan-to-Deposit 99.80%

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