Washington Savings 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: 6.34 percentage points higher than in Q1 2026, at 93.18%. Within Massachusetts, Washington Savings Bank is 79th of 89 on return on assets, 0.29% as of Q2 2026, below the middle of the field. Against a median of 1.25% for banks in the $100M-1B asset tier, Washington Savings Bank reported 0.29% on return on assets in Q2 2026, 0.96 points lower.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 16.92% |
| Tier 1 risk-based capital ratio | 16.92% |
| Total risk-based capital ratio | 17.87% |
| Tier 1 leverage ratio | 9.65% |
| Equity capital to assets | 9.70% |
| Tangible equity to tangible assets | 9.70% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.70% |
| Non-performing assets ratio | 0.55% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 5.36% |
| Allowance for credit losses to loans | 0.65% |
| Reserve coverage of non-performing loans | 93.18% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.29% |
| Return on equity | 3.08% |
| Net interest margin | 2.67% |
| Efficiency ratio | 87.62% |
| Yield on earning assets | 4.65% |
| Cost of funds | 2.10% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 94.97% |
| Core deposits to total deposits | 80.65% |
| Brokered deposits to total deposits | 3.71% |
| Deposits to assets | 82.45% |
| Securities to assets | 12.19% |
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 | 17.22% | 17.22% | 18.26% | 10.06% | 0.28% |
| Q4 2023 | 16.90% | 16.90% | 17.91% | 10.05% | 0.19% |
| Q1 2024 | 17.22% | 17.22% | 18.22% | 10.02% | 0.03% |
| Q2 2024 | 17.33% | 17.33% | 18.33% | 10.03% | 0.16% |
| Q3 2024 | 17.19% | 17.19% | 18.17% | 9.97% | 0.00% |
| Q4 2024 | 16.80% | 16.80% | 17.76% | 10.02% | -0.03% |
| Q1 2025 | 16.66% | 16.66% | 17.62% | 9.91% | 0.03% |
| Q2 2025 | 16.58% | 16.58% | 17.53% | 9.65% | 0.11% |
| Q3 2025 | 16.66% | 16.66% | 17.62% | 9.62% | 0.13% |
| Q4 2025 | 16.57% | 16.57% | 17.52% | 9.65% | 0.29% |
| Q1 2026 | 16.85% | 16.85% | 17.81% | 9.58% | 0.16% |
| Q2 2026 | 16.92% | 16.92% | 17.87% | 9.65% | 0.29% |
Washington Savings Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Washington Savings 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 Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 90229) · FFIEC NIC profile (RSSD 654300)