Washington State 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: 3.61 percentage points lower than in Q1 2026, at 32.05%. Washington State Bank ranks 73rd of 103 Louisiana banks on return on assets, in the lower half at 0.85% (Q2 2026). Washington State Bank reported 0.85% on return on assets for Q2 2026, 0.40 points below the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 14.96% |
| Tier 1 risk-based capital ratio | 14.96% |
| Total risk-based capital ratio | 15.91% |
| Tier 1 leverage ratio | 10.81% |
| Equity capital to assets | 10.44% |
| Tangible equity to tangible assets | 10.44% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 2.93% |
| Non-performing assets ratio | 2.34% |
| Net charge-off ratio | 1.17% |
| Texas ratio | 22.48% |
| Allowance for credit losses to loans | 0.94% |
| Reserve coverage of non-performing loans | 32.05% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.85% |
| Return on equity | 8.11% |
| Net interest margin | 4.44% |
| Efficiency ratio | 66.41% |
| Yield on earning assets | 5.99% |
| Cost of funds | 1.64% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 82.79% |
| Core deposits to total deposits | 83.77% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 88.58% |
| Securities to assets | 15.21% |
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 | 14.33% | 14.33% | 15.58% | 10.66% | 4.52% |
| Q4 2023 | 13.57% | 13.57% | 14.82% | 10.19% | -0.02% |
| Q1 2024 | 14.49% | 14.49% | 15.74% | 10.36% | 1.17% |
| Q2 2024 | 13.87% | 13.87% | 15.11% | 10.30% | 1.16% |
| Q3 2024 | 14.38% | 14.38% | 15.63% | 10.50% | 1.43% |
| Q4 2024 | 13.96% | 13.96% | 15.21% | 10.20% | 1.46% |
| Q1 2025 | 14.32% | 14.32% | 15.58% | 10.48% | 1.40% |
| Q2 2025 | 14.21% | 14.21% | 15.46% | 10.52% | 1.37% |
| Q3 2025 | 15.02% | 15.02% | 16.27% | 10.87% | 1.96% |
| Q4 2025 | 14.90% | 14.90% | 15.84% | 10.90% | 1.31% |
| Q1 2026 | 15.15% | 15.15% | 16.18% | 11.10% | 1.37% |
| Q2 2026 | 14.96% | 14.96% | 15.91% | 10.81% | 0.85% |
Washington State Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Washington State 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 State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9326) · FFIEC NIC profile (RSSD 311939)