WASHINGTON SAVINGS BANK

EFFINGHAM, IL | Medium | Est. Jan. 1, 1883, midnight | FDIC #29227 | RSSD #790271 | FDIC
Latest Report: 2025-12-31

WASHINGTON SAVINGS BANK is amn medium FDIC-insured commercial bank headquartered in EFFINGHAM, IL, established in Jan. 1, 1883, midnight. As of 2025-12-31, the bank reported total assets of $586M and total deposits of $502M. Profitability stands at 0.69% ROA and 6.13% ROE, with a net interest margin of 2.75%. The bank's CET1 capital ratio is 19.16%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.41% and a Texas Ratio of 2.04%. FDIC Certificate #29227.

Assets

$586M

Deposits

$502M

Loans

$344M

Equity

$66M

Profitability

Return on Assets (ROA) 0.69%
Return on Equity (ROE) 6.13%
Net Interest Margin (NIM) 2.75%
Yield on Assets 4.86%
Cost of Funds 2.21%

Asset Quality

NPL Ratio 0.41%
Net Charge-Off Ratio 0.00%
Texas Ratio 2.04%
NPA Ratio 0.24%
ACL / Loans 1.02%

Capital & Liquidity

CET1 Ratio 19.16%
Tier 1 Capital 19.16%
Total Capital Ratio 20.11%
Leverage Ratio 11.84%
Loan-to-Deposit 68.51%

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