Bank Comparison
Washington Financial Bank vs North State Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
8 · 13
winning metrics across 21 comparable rows
Capital adequacy
| Metric | Washington Financial Bank | North State Bank |
|---|---|---|
| CET1 Ratio | — | 11.15% |
| Tier 1 Capital Ratio | — | 11.15% |
| Total Capital Ratio | — | 11.87% |
| Tier 1 Leverage Ratio | 14.53% | 8.51% |
| Equity / Assets | 13.96% | 8.35% |
Profitability
| Metric | Washington Financial Bank | North State Bank |
|---|---|---|
| Return on Assets (ROA) | 1.09% | 0.77% |
| Return on Equity (ROE) | 7.93% | 8.99% |
| Net Interest Margin (NIM) | 3.48% | 3.87% |
| Yield on Earning Assets | 4.97% | 5.29% |
| Cost of Funds | 1.67% | 1.49% |
Asset quality
| Metric | Washington Financial Bank | North State Bank |
|---|---|---|
| Texas Ratio | 14.71% | 1.18% |
| Non-Performing Loan Ratio | 2.94% | 0.13% |
| Non-Performing Asset Ratio | 2.18% | 0.10% |
| Net Charge-Off Ratio | 0.00% | -0.08% |
| ACL / Loans | 1.14% | 0.66% |
Balance sheet
| Metric | Washington Financial Bank | North State Bank |
|---|---|---|
| Total Assets | $1,456M | $1,457M |
| Total Deposits | $1,221M | $1,223M |
| Total Loans | $1,079M | $1,174M |
| Total Equity | $203,260K | $121,658K |
| Net Income (quarter) | $3,996K | $2,736K |
Liquidity & funding
| Metric | Washington Financial Bank | North State Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 88.40% | 95.97% |
| Core Deposit Ratio | 99.59% | 98.98% |
| Uninsured Deposit Ratio | 33.31% | 33.07% |
Identity
| Metric | Washington Financial Bank | North State Bank |
|---|---|---|
| Headquarters City | WASHINGTON | RALEIGH |
| Headquarters State | PA | NC |
| Asset Tier | Large | Large |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FED |
| Domestic Branches | 10 | 7 |
| Employees (FTE) | 155 | 196 |
| Established | Jan. 1, 1899, midnight | June 1, 2000, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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