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, IA against its peer group of 2757 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 | 1.32% | 1.25% | +0.07% | 53rd above |
| ROAE | 18.19% | 12.22% | +5.97% | 80th top |
| Net Interest Margin | 3.63% | 3.95% | -0.32% | 33rd below |
| Efficiency Ratio | 43.16% | 63.71% | -20.55% | 92nd top |
| PPNR / Avg Assets | 1.75% | — | — | 59th above |
| Yield on Earning Assets | 5.95% | 5.67% | +0.28% | 66th above |
| Cost of Funds | 2.56% | 1.87% | +0.69% | 13th bottom |
| Net Interest Spread | 3.22% | — | — | 44th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.49% | 0.88% | -0.39% | 46th below |
| NPA / Total Assets | 0.46% | — | — | 41st below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.07% | 0.15% | -0.08% | 21st bottom |
| ACL / Total Loans | 1.36% | — | — | 69th above |
| ACL / NPLs (Coverage) | 275.99% | — | — | 56th above |
| Texas Ratio Ahead of the peer average, behind the median peer. | 5.14% | 5.96% | -0.82% | 35th below |
| Provision / NCO | 223.88% | — | — | 58th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 20.40% | 17.18% | +3.22% | 78th top |
| Tier 1 Ratio | 20.40% | 17.21% | +3.19% | 78th top |
| Total Capital Ratio | 21.65% | — | — | 79th top |
| Leverage Ratio | 12.48% | 11.75% | +0.73% | 69th above |
| Equity / Assets | 8.15% | 10.98% | -2.83% | 15th bottom |
| TCE / Tangible Assets | 8.15% | — | — | 17th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 71.60% | 80.44% | -8.84% | 68th above |
| Core Deposit Ratio | 66.97% | 86.95% | -19.98% | 4th bottom |
| Wholesale Funding Ratio | 6.02% | — | — | 31st below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 5.82% | — | — | 60th above |
| Loan Growth (Y/Y) | 10.27% | — | — | 74th above |
| Deposit Growth (Y/Y) | 0.34% | — | — | 24th bottom |
See Washington State Bank's peers by name
The 2757 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. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Washington State Bank peer analysis.