Washington Savings Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Washington Savings Bank of Effingham, IL against its peer group of 2672 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 | 0.79% | 1.34% | -0.55% | 22nd bottom |
| ROAE | 7.20% | 13.32% | -6.12% | 22nd bottom |
| Net Interest Margin | 2.73% | 3.93% | -1.20% | 5th bottom |
| Efficiency Ratio | 65.57% | 61.14% | +4.43% | 38th below |
| PPNR / Avg Assets | 1.05% | 1.68% | -0.63% | 23rd bottom |
| Yield on Earning Assets | 4.62% | 5.67% | -1.05% | 11th bottom |
| Cost of Funds | 2.03% | 1.88% | +0.15% | 36th below |
| Net Interest Spread | 2.22% | 3.32% | -1.10% | 7th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 2.26% | 0.94% | +1.32% | 11th bottom |
| NPA / Total Assets | 1.39% | 0.70% | +0.69% | 13th bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.12% | 0.16% | -0.04% | 18th bottom |
| ACL / Total Loans | 0.94% | 1.28% | -0.34% | 20th bottom |
| ACL / NPLs (Coverage) | 41.66% | 1539.60% | -1497.94% | 7th bottom |
| Texas Ratio | 12.55% | 7.33% | +5.22% | 16th bottom |
| Provision / NCO | -15.45% | 1396.71% | -1412.16% | 6th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 19.02% | 19.50% | -0.48% | 74th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 19.02% | 19.54% | -0.52% | 74th above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 19.92% | 20.62% | -0.70% | 73rd above |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 12.07% | 12.14% | -0.07% | 66th above |
| Equity / Assets | 11.51% | 11.37% | +0.14% | 66th above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.60% | 11.09% | -0.49% | 58th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 70.61% | 80.64% | -10.03% | 69th above |
| Core Deposit Ratio | 93.34% | 86.86% | +6.48% | 76th top |
| Wholesale Funding Ratio | 1.10% | 5.04% | -3.94% | 80th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -0.03% | 6.86% | -6.89% | 19th bottom |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 7.84% | 7.90% | -0.06% | 64th above |
| Deposit Growth (Y/Y) | -0.23% | 6.29% | -6.52% | 22nd bottom |
See Washington Savings Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Washington Savings 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 Savings Bank profile, how to read a UBPR, or how this data updates.