Bank of Washington
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Data as of · sourced from FFIEC call reports. How we update
Bank of Washington is an FDIC-insured commercial bank headquartered in Washington, MO, established in 1877 (FDIC certificate 12627), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $1.15B, up 1.5% from Q2 2025, the 32nd largest of 191 banks headquartered in Missouri. It reports no CET1 ratio; its Tier 1 leverage ratio was 12.47% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 12627
- Headquarters
- Washington, MO
- Established
- 1877
- Total assets, Q2 2026
- $1.15B
- Assets vs Q2 2025
- +1.5%
- Tier 1 leverage ratio, Q2 2026
- 12.47%
- Domestic offices
- 7 FDIC institution directory, current count
- Routing number
- 081902198
- Latest call report
- Q2 2026, FFIEC 051 · Bank of Washington call report
- Holding company
- DIAMOND BANCORP, INC
- Asset rank in state
- 32nd of 191 in Missouri
Problem loans are rising at Bank of Washington. Based in Washington, Missouri, it had $1.1 billion in assets at June 30, 2026, up 1.5% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 3.50% of loans from 2.60% a year earlier. It carries problem assets equal to 29.0% of the capital and reserves that would absorb them, 8.1 times the median of 3.6% for the 895 banks with $1 billion to $10 billion in assets. It also lost 1.6% of its deposits over the year, lower than about three-quarters of banks its size (median 5.1%).
Loans and deposits moved in opposite directions: over the year loans rose 2.1% and deposits fell 1.6%. Its $234 million non-owner-occupied commercial real estate book is improving, with 0.71% past due or on nonaccrual, down from 1.52% a year earlier.
As of June 30, 2026, Bank of Washington reported a return on assets of 1.53%, a nonperforming-loan ratio of 3.50% and a Texas ratio of 28.96%. The figures come from its call report filed with the FFIEC.
Bank of Washington ranks as the 32nd largest of the 191 banks based in Missouri, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 2.3% to $1.15B, loans fell 2.0% and deposits fell 0.9%. Commercial and industrial loans made up 31.7% of its total loans on June 30, 2026, its largest category; next came non-owner-occupied commercial real estate loans at 22.7%. Its 7 offices in the FDIC Summary of Deposits are in 4 cities in MO; its Washington 4 offices book 85% of its branch deposits. By the capital ratios in its Q2 2026 call report, Bank of Washington meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 200 W Main St, Washington, MO 63090
- County
- Franklin
- Metro Area
- St. Louis, MO-IL
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- Trust powers grandfathered
- Call Report form
- FFIEC 051
- Established
- October 29, 1877
- Domestic offices
- 7 FDIC institution directory, current count
- Employees (FTE)
- 138
- Domestic deposits
- $887.8M
- Allowance for credit losses
- $21.5M
- Net charge-offs (YTD)
- $2.0M
- Average total assets
- $1.15B
- Average total loans
- $1.03B
- Average interest-bearing deposits
- $646.2M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 12627
- Fed RSSD
- 565750
- Parent Holding Company
- DIAMOND BANCORP, INC (RSSD 2294812)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Bank of Washington reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Bank of Washington's total assets ranged from $1.07B (Q1 2024) to $1.18B (Q1 2025), and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$1.15B total assets against $1.13B; $1.01B total liabilities against $996.1M.
$1.01B net loans and leases against $988.2M; $887.8M total deposits against $901.8M.
$17.9M securities against $20.4M; $68.8M cash and balances due against $70.0M.
$17.7M total interest income against $18.7M; $5.0M total interest expense against $5.7M.
$12.7M net interest income against $13.0M.
$1.8M total noninterest income against $2.7M; $9.3M total noninterest expense against $11.2M.
$750K provision for credit losses against $5.9M.
$4.4M net income against -$1.4M.
1.53% return on assets against -0.51%; 4.57% net interest margin against 4.78%.
12.47% tier 1 leverage ratio against 12.08%.
Inside the full Bank of Washington terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Nonperforming loans (nonaccrual loans plus loans 90 or more days past due) exceed 3% of total loans. BankRegReports band at 3% of total loans.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Bank of Washington rankings
Its closest position to the top of a national ranking is 63 of 3,640, for Texas Ratio; its furthest is 729 of 980, for uninsured deposits.
Metric pages for Bank of Washington: Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -0.51% (Q2 2025) to 2.02% (Q4 2025) and its net interest margin ran from 4.53% (Q1 2025) to 5.16% (Q4 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.47% | 1.53% | 3.50% | 28.96% | 4.57% |
| Q1 2026 | 12.19% | 0.22% | 3.72% | 31.13% | 4.54% |
| Q4 2025 | 12.52% | 2.02% | 1.76% | 18.60% | 5.16% |
| Q3 2025 | 12.39% | 1.59% | 2.43% | 22.53% | 4.82% |
| Q2 2025 | 12.08% | -0.51% | 2.60% | 24.03% | 4.78% |
| Q1 2025 | 12.10% | 1.39% | 2.33% | 23.94% | 4.53% |
| Q4 2024 | 12.21% | 0.37% | 2.41% | 24.83% | 4.83% |
| Q3 2024 | 12.60% | 1.83% | 1.95% | 20.60% | 4.96% |
Swipe the table sideways to see every column.
Branch Network
View all 7 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Bank of Washington (main office) | Washington , MO | 63090 | $498.5M |
| Detached Branch Facility | Washington , MO | 63090 | $173.1M |
| Villa Ridge Branch | Villa Ridge , MO | 63089 | $56.3M |
| Bank of Washington - Clayton Branch | Clayton , MO | 63105 | $55.6M |
| East Fifth Street Branch | Washington , MO | 63090 | $48.5M |
| Schnucks Super Center Branch | Washington , MO | 63090 | $30.4M |
| Gray Summit Branch | Gray Summit , MO | 63039 | $25.4M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.3% of deposits in MO, rank 52 of 249 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 218 applications, 157 loans originated, $44.2M originated, across 5 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $196K approved, $196K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2024 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Bank of Washington
What are Bank of Washington's total assets?
As of the Q2 2026 filing, Bank of Washington reported total assets of $1.15 billion in its FFIEC call report.
Where is Bank of Washington headquartered?
It is headquartered in Washington, MO, United States.
When was Bank of Washington founded?
It was established in 1877, per the FDIC institution directory.
Is Bank of Washington FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #12627). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Bank of Washington?
Bank of Washington's primary federal regulator is the FDIC.
How many branches does Bank of Washington operate?
It operates 7 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Bank of Washington's Texas Ratio?
Its Texas Ratio is 28.96% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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