FNB Washington
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Data as of · sourced from FFIEC call reports. How we update
FNB Washington is an FDIC-insured commercial bank headquartered in Washington, KS, established in 1883 (FDIC certificate 4792), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $87.8M, up 4.0% from Q2 2025, the 144th largest of 182 banks headquartered in Kansas. It reports no CET1 ratio; its Tier 1 leverage ratio was 25.88% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 4792
- Headquarters
- Washington, KS
- Established
- 1883
- Total assets, Q2 2026
- $87.8M
- Assets vs Q2 2025
- +4.0%
- Tier 1 leverage ratio, Q2 2026
- 25.88%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 101103026
- Holding company
- WASHINGTON 1ST BANCO, INC.
- Asset rank in state
- 144th of 182 in Kansas
FNB Washington runs leaner than most banks of its size. Based in Washington, Kansas, it had $88 million in assets at June 30, 2026, up 4.0% from a year earlier. It spends about 50 cents to bring in each dollar of revenue, lower than about three-quarters of the 583 banks with less than $100 million in assets (median 69 cents). It also pays an average of 0.96% on its deposits and borrowings, lower than about three-quarters of banks its size (median 1.53%).
Problem loans fell by more than half over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.18% of loans from 0.75%. Deposits are coming in faster than loans: over the year loans rose 0.9% and deposits rose 6.8%.
As of June 30, 2026, FNB Washington reported a return on assets of 1.85%, a nonperforming-loan ratio of 0.18% and a Texas ratio of 0.32%. The figures come from its call report filed with the FFIEC.
Of the 182 banks headquartered in Kansas, FNB Washington is the 144th largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 0.3% to $87.8M, loans rose 0.1% and deposits rose 1.3%. Farmland and other real estate loans made up 61.5% of its total loans on June 30, 2026, its largest category; next came 1-4 family residential loans at 23.0%. The FDIC Summary of Deposits lists a single office for it, in Washington, KS. On its Q2 2026 call report, FNB Washington meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 101 C St, Washington, KS 66968
- County
- Washington
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- January 1, 1883
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 11
- Domestic deposits
- $57.4M
- Allowance for credit losses
- $925K
- Net charge-offs (YTD)
- -$1K
- Average total assets
- $88.9M
- Average total loans
- $39.8M
- Average interest-bearing deposits
- $41.5M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 4792
- Fed RSSD
- 209559
- Website
- www.fnbwashington.com →
- Parent Holding Company
- WASHINGTON 1ST BANCO, INC. (RSSD 1055584)
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, FNB Washington reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
FNB Washington's total assets moved between a low of $82.4M (Q2 2024) and a high of $91.0M (Q1 2025) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$87.8M total assets against $84.5M; $65.4M total liabilities against $63.0M.
$40.6M net loans and leases against $40.2M; $57.4M total deposits against $53.7M.
$36.5M securities against $34.8M; $6.6M cash and balances due against $5.4M.
$979K total interest income against $940K; $159K total interest expense against $197K.
$820K net interest income against $743K.
$37K total noninterest income against $42K; $430K total noninterest expense against $389K.
No provision recorded in the last 12 quarters.
$412K net income against $378K.
1.85% return on assets against 1.72%; 3.89% net interest margin against 3.41%.
25.88% tier 1 leverage ratio against 25.20%.
Inside the full FNB Washington terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeQuarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.35% (Q4 2024) to 2.00% (Q1 2026) and its net interest margin ran from 3.37% (Q3 2024) to 3.97% (Q1 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 25.88% | 1.85% | 0.18% | 0.32% | 3.89% |
| Q1 2026 | 26.33% | 2.00% | 0.42% | 0.75% | 3.97% |
| Q4 2025 | 25.61% | 1.42% | 0.48% | 0.89% | 3.81% |
| Q3 2025 | 26.87% | 1.77% | 3.27% | 5.66% | 3.81% |
| Q2 2025 | 25.20% | 1.72% | 0.75% | 1.54% | 3.41% |
| Q1 2025 | 25.44% | 1.80% | 0.69% | 1.22% | 3.58% |
| Q4 2024 | 25.24% | 1.35% | 0.53% | 0.97% | 3.46% |
| Q3 2024 | 26.38% | 1.53% | 0.50% | 0.90% | 3.37% |
Swipe the table sideways to see every column.
Branch Network
View the branch → 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 |
|---|---|---|---|
| FNB Washington (main office) | Washington , KS | 66968 | $57.4M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| January 13, 1990 | Structure Change | Acquired Peoples Heritage Savings, a Federal Savings and Loan Associatin Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| August 8, 1960 | Structure Change | Acquired The Washington National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in KS, rank 185 of 231 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $64K approved, $64K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1992 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), 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 FNB Washington
What are FNB Washington's total assets?
As of the Q2 2026 filing, FNB Washington reported total assets of $87.8 million in its FFIEC call report.
Where is FNB Washington headquartered?
It is headquartered in Washington, KS, United States.
When was FNB Washington founded?
It was established in 1883, per the FDIC institution directory.
Is FNB Washington FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #4792). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates FNB Washington?
FNB Washington's primary federal regulator is the Federal Reserve.
How many branches does FNB Washington operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is FNB Washington's Texas Ratio?
Its Texas Ratio is 0.32% 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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