Washington Financial 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.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 7.59 percentage points lower than in Q1 2026, at 31.18%. Washington Financial Bank ranks 47th of 109 Pennsylvania banks on return on assets, in the upper half at 1.19% (Q2 2026). Washington Financial Bank reported 1.19% on return on assets for Q2 2026, 0.09 points below the 1.28% median for banks in the $1B-10B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 14.75% |
| Equity capital to assets | 14.53% |
| Tangible equity to tangible assets | 14.53% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 2.91% |
| Non-performing assets ratio | 2.17% |
| Net charge-off ratio | 1.15% |
| Texas ratio | 14.29% |
| Allowance for credit losses to loans | 0.91% |
| Reserve coverage of non-performing loans | 31.18% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.19% |
| Return on equity | 8.53% |
| Net interest margin | 3.57% |
| Efficiency ratio | 56.41% |
| Yield on earning assets | 5.03% |
| Cost of funds | 1.65% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 87.96% |
| Core deposits to total deposits | 88.79% |
| Brokered deposits to total deposits | 10.77% |
| Deposits to assets | 84.37% |
| Securities to assets | 19.71% |
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 | 17.95% | 17.95% | 18.92% | 11.89% | 0.58% |
| Q4 2023 | 18.05% | 18.05% | 19.03% | 12.04% | 0.41% |
| Q1 2024 | — | — | — | 12.66% | 0.66% |
| Q2 2024 | — | — | — | 12.81% | 0.61% |
| Q3 2024 | — | — | — | 12.82% | -0.32% |
| Q4 2024 | — | — | — | 12.96% | 0.47% |
| Q1 2025 | — | — | — | 13.77% | 0.81% |
| Q2 2025 | — | — | — | 13.94% | 0.64% |
| Q3 2025 | — | — | — | 13.98% | 0.52% |
| Q4 2025 | — | — | — | 13.72% | -0.67% |
| Q1 2026 | — | — | — | 14.53% | 1.09% |
| Q2 2026 | — | — | — | 14.75% | 1.19% |
Washington Financial Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Washington Financial 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 Financial Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29520) · FFIEC NIC profile (RSSD 282075)