Washington State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Washington State Bank of Washington, LA 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 | 0.85% | 1.34% | -0.49% | 26th below |
| ROAE | 8.11% | 13.32% | -5.21% | 26th below |
| Net Interest Margin | 4.44% | 3.93% | +0.51% | 77th top |
| Efficiency Ratio | 66.41% | 61.14% | +5.27% | 36th below |
| PPNR / Avg Assets | 1.50% | 1.68% | -0.18% | 44th below |
| Yield on Earning Assets | 5.99% | 5.67% | +0.32% | 68th above |
| Cost of Funds | 1.64% | 1.88% | -0.24% | 60th above |
| Net Interest Spread | 3.59% | 3.32% | +0.27% | 64th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 2.93% | 0.94% | +1.99% | 7th bottom |
| NPA / Total Assets | 2.34% | 0.70% | +1.64% | 6th bottom |
| NCO / Avg Loans | 1.17% | 0.16% | +1.01% | 3rd bottom |
| ACL / Total Loans | 0.94% | 1.28% | -0.34% | 19th bottom |
| ACL / NPLs (Coverage) | 32.05% | 1539.17% | -1507.12% | 4th bottom |
| Texas Ratio | 22.48% | 7.33% | +15.15% | 6th bottom |
| Provision / NCO | 105.42% | 1396.08% | -1290.66% | 41st below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 14.96% | 19.50% | -4.54% | 48th below |
| Tier 1 Ratio | 14.96% | 19.54% | -4.58% | 48th below |
| Total Capital Ratio | 15.91% | 20.62% | -4.71% | 47th below |
| Leverage Ratio | 10.81% | 12.14% | -1.33% | 47th below |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.44% | 11.37% | -0.93% | 52nd above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.44% | 11.09% | -0.65% | 56th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 82.79% | 80.64% | +2.15% | 46th below |
| Core Deposit Ratio | 83.77% | 86.86% | -3.09% | 26th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 1.37% | 6.85% | -5.48% | 28th below |
| Loan Growth (Y/Y) | -1.72% | 7.91% | -9.63% | 16th bottom |
| Deposit Growth (Y/Y) | 0.97% | 6.29% | -5.32% | 29th below |
See Washington State Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Washington State 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 State Bank profile, how to read a UBPR, or how this data updates.