Washington State Bank (Washington, LA)
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Data as of · sourced from FFIEC call reports. How we update
Washington State Bank is an FDIC-insured commercial bank headquartered in Washington, LA, established in 1893 (FDIC certificate 9326), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $309.2M, up 1.4% from Q2 2025, the 59th largest of 102 banks headquartered in Louisiana. Its CET1 capital ratio was 14.96% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 9326
- Headquarters
- Washington, LA
- Established
- 1893
- Total assets, Q2 2026
- $309.2M
- Assets vs Q2 2025
- +1.4%
- CET1 ratio, Q2 2026
- 14.96%
- Domestic offices
- 7 FDIC institution directory, current count
- Routing number
- 065202461
- Latest call report
- Q2 2026, FFIEC 051 · Washington State Bank call report
- Holding company
- WASHINGTON STATE BANCSHARES, INC.
- Asset rank in state
- 59th of 102 in Louisiana
Washington State Bank, based in Washington, Louisiana, reported $309 million in assets at June 30, 2026, up 1.4% from a year earlier. It shrank its loan book 1.7% over the year, lower than about three-quarters of the 2,660 banks with $100 million to $1 billion in assets (median 5.5%). It also carries problem assets equal to 10.2% of the capital and reserves that would absorb them, 3.9 times the median of 2.6% for banks its size.
Problem loans roughly halved over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 1.29% of loans from 3.02%. Its $44 million non-owner-occupied commercial real estate book is improving, with 1.90% past due or on nonaccrual, down from 6.71% a year earlier. Profitability lags: it earns about $0.85 a year on every $100 of assets, lower than about three-quarters of banks its size (median $1.28).
As of June 30, 2026, Washington State Bank reported a CET1 capital ratio of 14.96%, a return on assets of 0.85%, a nonperforming-loan ratio of 1.29% and a Texas ratio of 10.21%. The figures come from its call report filed with the FFIEC.
Washington State Bank ranks as the 59th largest of the 102 banks based in Louisiana, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 1.9% to $309.2M, loans rose 0.9% and deposits rose 2.2%. 1-4 family residential loans made up 31.8% of its total loans on June 30, 2026, its largest category; next came owner-occupied commercial real estate loans at 19.7%. The FDIC Summary of Deposits lists 7 offices for it, in 7 cities in LA; its Arnaudville office books 27% of its branch deposits. By the capital ratios in its Q2 2026 call report, Washington State Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 103 North Main Street, Washington, LA 70589
- County
- St. Landry
- Metro Area
- Opelousas, LA
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 6, Atlanta
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- April 10, 1893
- Domestic offices
- 7 FDIC institution directory, current count
- Employees (FTE)
- 59
- Domestic deposits
- $273.9M
- Allowance for credit losses
- $2.1M
- Net charge-offs (YTD)
- $664K
- Average total assets
- $309.5M
- Average total loans
- $226.8M
- Average interest-bearing deposits
- $199.9M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 9326
- Fed RSSD
- 311939
- Website
- www.wsbankla.com →
- Parent Holding Company
- WASHINGTON STATE BANCSHARES, INC. (RSSD 1086627)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Washington State Bank's total assets moved between a low of $285.2M (Q4 2023) and a high of $309.2M (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$309.2M total assets against $305.0M; $276.9M total liabilities against $274.5M.
$224.6M net loans and leases against $227.6M; $273.9M total deposits against $271.3M.
$47.0M securities against $44.9M; $21.7M cash and balances due against $19.8M.
$4.4M total interest income against $4.3M; $1.1M total interest expense against $1.3M.
$3.2M net interest income against $3.0M.
$265K total noninterest income against $234K; $2.3M total noninterest expense against $2.2M.
$500K provision for credit losses against $0.
$659K net income against $1.0M.
0.85% return on assets against 1.37%; 4.44% net interest margin against 4.05%.
14.96% CET1 capital ratio against 14.21%; 10.81% tier 1 leverage ratio against 10.52%.
Inside the full Washington State Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWashington State Bank rankings
Its closest position to the top of a national ranking is 622 of 3,640, for Texas Ratio; its furthest is 2,799 of 3,611, for ROA.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.85% (Q2 2026) to 1.96% (Q3 2025) and its net interest margin ran from 3.89% (Q3 2024) to 4.51% (Q3 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.96% | 0.85% | 1.29% | 10.21% | 4.44% |
| Q1 2026 | 15.15% | 1.37% | 1.51% | 11.05% | 4.30% |
| Q4 2025 | 14.90% | 1.31% | 0.60% | 5.38% | 4.22% |
| Q3 2025 | 15.02% | 1.96% | 1.25% | 8.46% | 4.51% |
| Q2 2025 | 14.21% | 1.37% | 3.02% | 21.06% | 4.05% |
| Q1 2025 | 14.32% | 1.40% | 2.83% | 19.69% | 3.89% |
| Q4 2024 | 13.96% | 1.46% | 1.28% | 9.24% | 3.89% |
| Q3 2024 | 14.38% | 1.43% | 0.90% | 6.12% | 3.89% |
Swipe the table sideways to see every column.
Branch Network
View all 7 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Arnaudville Branch | Arnaudville , LA | 70512 | $73.7M |
| Washington State Bank (main office) | Washington , LA | 70589 | $63.8M |
| Eunice Branch | Eunice , LA | 70535 | $55.1M |
| Opelousas Branch | Opelousas , LA | 70570 | $42.5M |
| Lafayette Branch | Lafayette , LA | 70508 | $24.8M |
| Palmetto Branch | Palmetto , LA | 71358 | $7.2M |
| Leonville Branch | Leonville , LA | 70551 | $6.9M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| April 4, 1995 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 4, 1995 | Structure Change | Acquired Southland Federal Savings Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in LA, rank 68 of 118 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 65 applications, 57 loans originated, $9.9M originated, across 2 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $280K approved, $280K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2016 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Washington State Bank
What are Washington State Bank's total assets?
As of the Q2 2026 filing, Washington State Bank reported total assets of $309.2 million in its FFIEC call report.
Where is Washington State Bank headquartered?
It is headquartered in Washington, LA, United States.
When was Washington State Bank founded?
It was established in 1893, per the FDIC institution directory.
Is Washington State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #9326). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Washington State Bank?
Washington State Bank's primary federal regulator is the FDIC.
What is Washington State Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 14.96% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Washington State Bank operate?
It operates 7 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Washington State Bank's Texas Ratio?
Its Texas Ratio is 10.21% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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