FNB Washington: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Securities to assets: 2.87 percentage points higher than in Q1 2026, at 41.52%. Within Kansas, FNB Washington is 36th of 182 on return on assets, 1.85% as of Q2 2026. FNB Washington's return on assets of 1.85% is well above the 1.00% median for banks in the < $100M asset tier, a gap of 0.85 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 25.88% |
| Equity capital to assets | 25.56% |
| Tangible equity to tangible assets | 25.56% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.18% |
| Non-performing assets ratio | 0.08% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.32% |
| Allowance for credit losses to loans | 2.23% |
| Reserve coverage of non-performing loans | 1250.00% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.85% |
| Return on equity | 7.33% |
| Net interest margin | 3.89% |
| Efficiency ratio | 50.08% |
| Yield on earning assets | 4.64% |
| Cost of funds | 0.96% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 72.32% |
| Core deposits to total deposits | 97.03% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 65.37% |
| Securities to assets | 41.52% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 25.56% | 1.32% | 3.01% | 0.56% | -0.01% |
| Q4 2023 | 25.65% | 1.20% | 3.12% | 0.56% | 0.00% |
| Q1 2024 | 25.89% | 1.63% | 3.44% | 0.54% | 0.00% |
| Q2 2024 | 24.81% | 1.66% | 3.22% | 0.55% | 0.00% |
| Q3 2024 | 26.38% | 1.53% | 3.37% | 0.50% | 0.05% |
| Q4 2024 | 25.24% | 1.35% | 3.46% | 0.53% | 0.00% |
| Q1 2025 | 25.44% | 1.80% | 3.58% | 0.69% | 0.00% |
| Q2 2025 | 25.20% | 1.72% | 3.41% | 0.75% | 0.00% |
| Q3 2025 | 26.87% | 1.77% | 3.81% | 3.27% | 0.06% |
| Q4 2025 | 25.61% | 1.42% | 3.81% | 0.48% | -0.04% |
| Q1 2026 | 26.33% | 2.00% | 3.97% | 0.42% | -0.01% |
| Q2 2026 | 25.88% | 1.85% | 3.89% | 0.18% | 0.00% |
FNB Washington vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock FNB Washington, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full FNB Washington profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4792) · FFIEC NIC profile (RSSD 209559)