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.
Loan-to-deposit ratio climbed 2.51 percentage points in Q2 2026, from 68.10% to 70.61%. It was the largest change from Q1 2026 among the key lines here. Within Illinois, Washington Savings Bank is 238th of 323 on return on assets, 0.79% as of Q2 2026, below the middle of the field. Washington Savings Bank reported 0.79% on return on assets for Q2 2026, 0.47 points below the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 19.02% |
| Tier 1 risk-based capital ratio | 19.02% |
| Total risk-based capital ratio | 19.92% |
| Tier 1 leverage ratio | 12.07% |
| Equity capital to assets | 11.51% |
| Tangible equity to tangible assets | 10.60% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 2.26% |
| Non-performing assets ratio | 1.39% |
| Net charge-off ratio | 0.12% |
| Texas ratio | 12.55% |
| Allowance for credit losses to loans | 0.94% |
| Reserve coverage of non-performing loans | 41.66% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.79% |
| Return on equity | 7.20% |
| Net interest margin | 2.73% |
| Efficiency ratio | 65.57% |
| Yield on earning assets | 4.62% |
| Cost of funds | 2.03% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 70.61% |
| Core deposits to total deposits | 93.34% |
| Brokered deposits to total deposits | 2.51% |
| Deposits to assets | 86.16% |
| Securities to assets | 29.41% |
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 | 18.48% | 18.48% | 19.43% | 11.40% | 0.20% |
| Q4 2023 | 18.47% | 18.47% | 19.42% | 11.60% | 0.22% |
| Q1 2024 | 18.43% | 18.43% | 19.38% | 11.26% | 0.08% |
| Q2 2024 | 18.94% | 18.94% | 19.92% | 11.35% | 0.11% |
| Q3 2024 | 19.27% | 19.27% | 20.25% | 11.52% | 0.20% |
| Q4 2024 | 19.39% | 19.39% | 20.37% | 11.83% | 0.12% |
| Q1 2025 | 19.43% | 19.43% | 20.41% | 11.85% | 0.18% |
| Q2 2025 | 19.28% | 19.28% | 20.27% | 11.62% | -0.05% |
| Q3 2025 | 18.94% | 18.94% | 19.91% | 11.57% | 0.40% |
| Q4 2025 | 19.16% | 19.16% | 20.11% | 11.84% | 0.66% |
| Q1 2026 | 18.96% | 18.96% | 19.90% | 11.86% | 0.69% |
| Q2 2026 | 19.02% | 19.02% | 19.92% | 12.07% | 0.79% |
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 29227) · FFIEC NIC profile (RSSD 790271)