Washington Financial Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Washington Financial Bank of Washington, PA against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.19% | 1.46% | -0.27% | 43rd below |
| ROAE | 8.53% | 12.72% | -4.19% | 23rd bottom |
| Net Interest Margin | 3.57% | 3.85% | -0.28% | 40th below |
| Efficiency Ratio | 56.41% | 57.41% | -1.00% | 56th above |
| PPNR / Avg Assets | 1.70% | 1.88% | -0.18% | 48th below |
| Yield on Earning Assets | 5.03% | 5.72% | -0.69% | 21st bottom |
| Cost of Funds | 1.65% | 2.02% | -0.37% | 73rd above |
| Net Interest Spread | 3.04% | 3.18% | -0.14% | 48th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 2.91% | 1.00% | +1.91% | 5th bottom |
| NPA / Total Assets | 2.17% | 0.76% | +1.41% | 6th bottom |
| NCO / Avg Loans | 1.15% | 0.43% | +0.72% | 4th bottom |
| ACL / Total Loans | 0.91% | 1.31% | -0.40% | 20th bottom |
| ACL / NPLs (Coverage) | 31.18% | 543.64% | -512.46% | 3rd bottom |
| Texas Ratio | 14.29% | 7.39% | +6.90% | 13th bottom |
| Provision / NCO | 9.03% | 619.00% | -609.97% | 13th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 14.75% | 11.43% | +3.32% | 92nd top |
| Equity / Assets | 14.53% | 11.33% | +3.20% | 92nd top |
| TCE / Tangible Assets | 14.53% | 10.50% | +4.03% | 93rd top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit Behind the peer average, ahead of the median peer. | 87.96% | 86.95% | +1.01% | 51st above |
| Core Deposit Ratio | 88.79% | 85.55% | +3.24% | 52nd above |
| Uninsured Deposit Ratio | 34.76% | 33.12% | +1.64% | 39th below |
| Wholesale Funding Ratio | 0.21% | 5.71% | -5.50% | 93rd top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -3.14% | 9.69% | -12.83% | 6th bottom |
| Loan Growth (Y/Y) | -1.18% | 8.06% | -9.24% | 13th bottom |
| Deposit Growth (Y/Y) | -5.19% | 7.88% | -13.07% | 4th bottom |
See Washington Financial Bank's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Washington Financial Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Washington Financial Bank profile, how to read a UBPR, or how this data updates.