Washington Financial Bank
BankRegReports is independent of Washington Financial Bank and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Washington Financial Bank is an FDIC-insured savings bank headquartered in Washington, PA, supervised by the FDIC, with $1.44B in total assets at Q2 2026, down 3.1% from Q2 2025, the 37th largest of 109 banks headquartered in Pennsylvania. It was established in 1899 and holds FDIC certificate 29520. It reports no CET1 ratio; its Tier 1 leverage ratio was 14.75% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Savings bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 29520
- Headquarters
- Washington, PA
- Established
- 1899
- Total assets, Q2 2026
- $1.44B
- Assets vs Q2 2025
- -3.1%
- Tier 1 leverage ratio, Q2 2026
- 14.75%
- Domestic offices
- 10 · Washington Financial Bank branches FDIC institution directory, current count
- Routing number
- 243374221
- Safety and soundness
- Is Washington Financial Bank safe?
- Latest call report
- Q2 2026, FFIEC 051 · Washington Financial Bank call report
- Holding company
- WFSB, INC.
- Asset rank in state
- 37th of 109 in Pennsylvania
Washington Financial Bank carries far more capital than most banks of its size. Its balance sheet stood at $1.4 billion at June 30, 2026, down 3.1% from a year earlier; it is based in Washington, Pennsylvania. It funds 14.75% of its assets with Tier 1 capital, higher than about 9 in 10 of the 880 banks with $1 billion to $10 billion in assets (median 10.49%). It also lost 5.2% of its deposits over the year, lower than about 9 in 10 banks its size (median 5.1%).
Earnings jumped: net income for the quarter was $4.4 million, 83% above the same quarter a year earlier. Its $202 million non-owner-occupied commercial real estate book is improving, with 2.02% past due or on nonaccrual, down from 3.65% a year earlier. Profitability lags: it returns 8.5% a year on shareholders' equity, lower than about three-quarters of banks its size (median 12.7%).
As of June 30, 2026, Washington Financial Bank reported a return on assets of 1.19%, a nonperforming-loan ratio of 0.46% and a Texas ratio of 2.30%. The figures come from its call report filed with the FFIEC.
Of the 109 banks headquartered in Pennsylvania, Washington Financial Bank is the 37th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 1.4% to $1.44B, loans fell 1.3% and deposits fell 0.9%. 1-4 family residential loans made up 51.7% of its total loans on June 30, 2026, its largest category; next came non-owner-occupied commercial real estate loans at 19.0%. The FDIC Summary of Deposits lists 10 offices for it, in 7 cities in PA; its Washington 4 offices book 63% of its branch deposits. Judged on its Q2 2026 call report, Washington Financial Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 77 S Main St, Washington, PA 15301
- County
- Washington
- Metro Area
- Pittsburgh, PA
- Charter
- State-chartered stock savings bank, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- —
- Federal Reserve district
- District 4, Cleveland
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1899
- Former names
- Washington Federal Savings Bank (1990-2009)
- Domestic offices
- 10 FDIC institution directory, current count
- Employees (FTE)
- 155
- Domestic deposits
- $1.21B
- Allowance for credit losses
- $9.7M
- Net charge-offs (YTD)
- $3.1M
- Average total assets
- $1.48B
- Average total loans
- $1.08B
- Average interest-bearing deposits
- $1.04B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 29520
- Fed RSSD
- 282075
- Website
- www.washfin.bank →
- Parent Holding Company
- WFSB, INC. (RSSD 3831335)
- Ultimate Parent
- WFSB MUTUAL HOLDING COMPANY (RSSD 3831326)
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, Washington Financial Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Washington Financial Bank's total assets ran between $1.44B (Q2 2026) and $1.64B (Q3 2023), and it earned a profit in 10 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$1.44B total assets against $1.48B; $1.23B total liabilities against $1.29B.
$1.06B net loans and leases against $1.07B; $1.21B total deposits against $1.28B.
$282.9M securities against $294.5M; $15.6M cash and balances due against $37.8M.
$17.7M total interest income against $16.8M; $5.1M total interest expense against $6.2M.
$12.6M net interest income against $10.6M.
$1.8M total noninterest income against $1.2M; $8.1M total noninterest expense against $8.2M.
$437K provision for credit losses against $674K.
$4.4M net income against $2.4M.
1.19% return on assets against 0.64%; 3.57% net interest margin against 2.96%.
14.75% tier 1 leverage ratio against 13.94%.
Inside the full Washington Financial Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWashington Financial Bank rankings
Its closest position to the top of a national ranking is 764 of 4,196, for total assets; its furthest is 2,136 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -0.67% (Q4 2025) to 1.19% (Q2 2026) and its net interest margin ran from 2.41% (Q3 2024) to 3.57% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.75% | 1.19% | 0.46% | 2.30% | 3.57% |
| Q1 2026 | 14.53% | 1.09% | 0.78% | 3.89% | 3.48% |
| Q4 2025 | 13.72% | -0.67% | 0.62% | 3.18% | 3.23% |
| Q3 2025 | 13.98% | 0.52% | 0.72% | 3.78% | 3.02% |
| Q2 2025 | 13.94% | 0.64% | 0.73% | 3.88% | 2.96% |
| Q1 2025 | 13.77% | 0.81% | 0.79% | 4.33% | 2.86% |
| Q4 2024 | 12.96% | 0.47% | 0.59% | 3.32% | 2.49% |
| Q3 2024 | 12.82% | -0.32% | 0.06% | 0.31% | 2.41% |
Swipe the table sideways to see every column.
Branch Network
View all 10 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 Financial Bank (main office) | Washington , PA | 15301 | $506.6M |
| Washington Road Branch | Mcmurray , PA | 15317 | $139.8M |
| Hickory Branch | Hickory , PA | 15340 | $112.4M |
| Franklin Mall Branch | Washington , PA | 15301 | $103.4M |
| Murtland Avenue Branch | Washington , PA | 15301 | $102.6M |
| East Pike Street Branch | Canonsburg , PA | 15317 | $81.7M |
| Valley Brook Rd Branch | Mc Murray , PA | 15317 | $59.7M |
| Tylerdale Branch | Washington , PA | 15301 | $48.9M |
| South Fayette Branch | Bridgeville , PA | 15017 | $43.3M |
| Washington Financial Bank Branch | Finleyville , PA | 15332 | $12.4M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in PA, rank 49 of 145 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 221 applications, 182 loans originated, $60.9M originated, across 4 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 3 loans, $234K approved, $78K average. 33.33% of that year's loans have since been charged off
- Period: Federal fiscal year 2000 (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
Add this badge to your website
Free to use. It shows Washington Financial Bank’s latest filed figures and updates each quarter.
Similar banks
Frequently asked about Washington Financial Bank
What are Washington Financial Bank's total assets?
As of the Q2 2026 filing, Washington Financial Bank reported total assets of $1.44 billion in its FFIEC call report.
Where is Washington Financial Bank headquartered?
It is headquartered in Washington, PA, United States.
When was Washington Financial Bank founded?
It was established in 1899, per the FDIC institution directory.
Is Washington Financial Bank FDIC-insured?
Yes. It is an FDIC-insured savings bank (FDIC Certificate #29520). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Washington Financial Bank?
Washington Financial Bank's primary federal regulator is the FDIC.
How many branches does Washington Financial Bank operate?
It operates 10 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Washington Financial Bank's Texas Ratio?
Its Texas Ratio is 2.30% 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.
What was Washington Financial Bank previously called?
The charter now named Washington Financial Bank has also operated as Washington Federal Savings Bank (1990-2009), per FDIC structure-change records.
Go deeper on Washington Financial Bank.
Get an email when Washington Financial Bank files its next call report, and benchmark it against any peer you choose.
Unlock Washington Financial Bank, freeFree account