Washington County Bank: 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.
Reserve coverage of non-performing loans dropped 59.44 percentage points in Q2 2026, from 422.59% to 363.15%. It was the largest change from Q1 2026 among the key lines here. Within Nebraska, Washington County Bank is 36th of 138 on return on assets, 1.76% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Washington County Bank sits 0.51 points higher, at 1.76% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 16.52% |
| Tier 1 risk-based capital ratio | 16.52% |
| Total risk-based capital ratio | 17.65% |
| Tier 1 leverage ratio | 12.79% |
| Equity capital to assets | 12.40% |
| Tangible equity to tangible assets | 12.27% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.32% |
| Non-performing assets ratio | 0.24% |
| Net charge-off ratio | 0.09% |
| Texas ratio | 1.96% |
| Allowance for credit losses to loans | 1.17% |
| Reserve coverage of non-performing loans | 363.15% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.76% |
| Return on equity | 14.70% |
| Net interest margin | 4.05% |
| Efficiency ratio | 47.97% |
| Yield on earning assets | 5.47% |
| Cost of funds | 1.55% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 89.76% |
| Core deposits to total deposits | 89.16% |
| Brokered deposits to total deposits | 1.80% |
| Deposits to assets | 84.38% |
| Securities to assets | 11.05% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 12.63% | 12.63% | 13.68% | 10.40% | 1.27% |
| Q4 2023 | 12.74% | 12.74% | 13.78% | 10.44% | 1.32% |
| Q1 2024 | 13.04% | 13.04% | 14.14% | 10.70% | 1.18% |
| Q2 2024 | 13.35% | 13.35% | 14.46% | 11.05% | 1.40% |
| Q3 2024 | 13.85% | 13.85% | 14.97% | 11.55% | 1.53% |
| Q4 2024 | 14.16% | 14.16% | 15.28% | 11.99% | 1.65% |
| Q1 2025 | 14.59% | 14.59% | 15.72% | 12.26% | 1.45% |
| Q2 2025 | 14.80% | 14.80% | 15.94% | 12.26% | 1.64% |
| Q3 2025 | 14.84% | 14.84% | 15.97% | 12.70% | 1.77% |
| Q4 2025 | 15.14% | 15.14% | 16.26% | 12.98% | 1.90% |
| Q1 2026 | 15.60% | 15.60% | 16.71% | 12.73% | 1.74% |
| Q2 2026 | 16.52% | 16.52% | 17.65% | 12.79% | 1.76% |
Washington County Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Washington County Bank, 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 Washington County Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12241) · FFIEC NIC profile (RSSD 1000052)