Washington County Bank
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Data as of · sourced from FFIEC call reports. How we update
Washington County Bank is an FDIC-insured commercial bank headquartered in Blair, NE, established in 1915 (FDIC certificate 12241), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $662.3M, up 7.6% from Q2 2025, the 27th largest of 138 banks headquartered in Nebraska. Its CET1 capital ratio was 16.52% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 12241
- Headquarters
- Blair, NE
- Established
- 1915
- Total assets, Q2 2026
- $662.3M
- Assets vs Q2 2025
- +7.6%
- CET1 ratio, Q2 2026
- 16.52%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 104913161
- Holding company
- BLAIR HOLDINGS, INC.
- Asset rank in state
- 27th of 138 in Nebraska
Washington County Bank runs leaner than most banks of its size. Its balance sheet stood at $662 million at June 30, 2026, up 7.6% from a year earlier; it is based in Blair, Nebraska. It spends about 48 cents to bring in each dollar of revenue, lower than about three-quarters of the 2,660 banks with $100 million to $1 billion in assets (median 61 cents). It also earns about $1.76 a year on every $100 of assets, higher than about three-quarters of banks its size (median $1.28).
The non-owner-occupied commercial real estate book ($53 million) is worsening: 3.41% of it is past due or on nonaccrual, up from 0.14% a year earlier. Deposits are coming in faster than loans: over the year loans rose 2.0% and deposits rose 6.4%.
As of June 30, 2026, Washington County Bank reported a CET1 capital ratio of 16.52%, a return on assets of 1.76%, a nonperforming-loan ratio of 0.34% and a Texas ratio of 1.15%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Washington County Bank is the 27th largest of the 138 banks headquartered in Nebraska. From Q1 2026 to Q2 2026, its total assets fell 0.1% to $662.3M, loans fell 1.6% and deposits rose 0.1%. Agricultural production loans made up 43.9% of its total loans on June 30, 2026, its largest category; next came 1-4 family residential loans at 19.9%. Its 4 offices in the FDIC Summary of Deposits are in 4 cities across 2 states; its Blair office books 79% of its branch deposits. On its Q2 2026 call report, Washington County Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 1523 Washington St, Blair, NE 68008
- County
- Washington
- Metro Area
- Omaha, NE-IA
- 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 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- July 1, 1915
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 89
- Domestic deposits
- $558.8M
- Allowance for credit losses
- $5.9M
- Net charge-offs (YTD)
- $394K
- Average total assets
- $676.0M
- Average total loans
- $505.0M
- Average interest-bearing deposits
- $464.4M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 12241
- Fed RSSD
- 1000052
- Website
- www.washingtoncountybank.com →
- Parent Holding Company
- BLAIR HOLDINGS, INC. (RSSD 4771960)
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. How we compute these figures
Quarterly trends
Washington County Bank's total assets moved between a low of $599.3M (Q2 2024) and a high of $662.8M (Q1 2026) 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
$662.3M total assets against $615.4M; $580.2M total liabilities against $543.8M.
$495.7M net loans and leases against $486.2M; $558.8M total deposits against $525.3M.
$73.2M securities against $84.2M; $63.2M cash and balances due against $17.4M.
$8.8M total interest income against $8.3M; $2.3M total interest expense against $2.1M.
$6.5M net interest income against $6.2M.
$855K total noninterest income against $760K; $3.6M total noninterest expense against $3.5M.
$60K provision for credit losses against $199K.
$3.0M net income against $2.6M.
1.76% return on assets against 1.64%; 4.05% net interest margin against 4.12%.
16.52% CET1 capital ratio against 14.80%; 12.79% tier 1 leverage ratio against 12.26%.
Inside the full Washington County Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWashington County Bank rankings
Its closest position to the top of a national ranking is 622 of 3,606, for efficiency ratio; its furthest is 2,616 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.45% (Q1 2025) to 1.90% (Q4 2025) and its net interest margin ran from 3.82% (Q3 2024) to 4.37% (Q1 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 16.52% | 1.76% | 0.34% | 1.15% | 4.05% |
| Q1 2026 | 15.60% | 1.74% | 0.37% | 1.34% | 4.37% |
| Q4 2025 | 15.14% | 1.90% | 0.43% | 2.51% | 4.21% |
| Q3 2025 | 14.84% | 1.77% | 0.39% | 2.28% | 4.18% |
| Q2 2025 | 14.80% | 1.64% | 0.41% | 2.28% | 4.12% |
| Q1 2025 | 14.59% | 1.45% | 0.31% | 1.93% | 3.94% |
| Q4 2024 | 14.16% | 1.65% | 0.37% | 2.40% | 3.85% |
| Q3 2024 | 13.85% | 1.53% | 0.36% | 2.27% | 3.82% |
Swipe the table sideways to see every column.
Branch Network
View all 4 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 |
|---|---|---|---|
| Washington County Bank (main office) | Blair , NE | 68008 | $442.1M |
| Washington County Bank - Washington Branch | Tekamah , NE | 68061 | $75.7M |
| Fort Calhoun Branch | Fort Calhoun , NE | 68023 | $28.6M |
| Missouri Valley, Iowa Branch | Missouri Valley , IA | 51555 | $12.4M |
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 |
|---|---|---|---|
| August 1, 2004 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 1, 2004 | Structure Change | Acquired Burt County State 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
- 0.6% of deposits in NE, rank 32 of 160 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 160 applications, 90 loans originated, $21.2M originated, across 5 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $928K approved, $928K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2022 (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 Washington County Bank
What are Washington County Bank's total assets?
As of the Q2 2026 filing, Washington County Bank reported total assets of $662.3 million in its FFIEC call report.
Where is Washington County Bank headquartered?
It is headquartered in Blair, NE, United States.
When was Washington County Bank founded?
It was established in 1915, per the FDIC institution directory.
Is Washington County Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #12241). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Washington County Bank?
Washington County Bank's primary federal regulator is the FDIC.
What is Washington County Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 16.52% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Washington County Bank operate?
It operates 4 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Washington County Bank's Texas Ratio?
Its Texas Ratio is 1.15% 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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