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, IL against its peer group of 578 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 | 0.77% | 0.85% | -0.08% | 35th below |
| ROAE | 11.10% | 5.23% | +5.87% | 63rd above |
| Net Interest Margin | 2.24% | 3.94% | -1.70% | 3rd bottom |
| Efficiency Ratio | 54.65% | 76.13% | -21.48% | 82nd top |
| PPNR / Avg Assets | 1.06% | — | — | 40th below |
| Yield on Earning Assets | 4.00% | 5.42% | -1.42% | 12th bottom |
| Cost of Funds | 1.94% | 1.69% | +0.25% | 31st below |
| Net Interest Spread | 1.64% | — | — | 5th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 1.03% | 1.23% | -0.20% | 35th below |
| NPA / Total Assets | 0.40% | — | — | 40th below |
| NCO / Avg Loans | 0.38% | 0.11% | +0.27% | 6th bottom |
| ACL / Total Loans | 3.00% | — | — | 92nd top |
| ACL / NPLs (Coverage) | 290.51% | — | — | 71st above |
| Texas Ratio Ahead of the peer average, behind the median peer. | 4.84% | 7.23% | -2.39% | 31st below |
| Provision / NCO | 51.72% | — | — | 51st above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 9.10% | 14.13% | -5.03% | 10th bottom |
| Equity / Assets | 7.10% | 13.07% | -5.97% | 4th bottom |
| TCE / Tangible Assets | 7.10% | — | — | 4th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 43.62% | 68.58% | -24.96% | 79th top |
| Core Deposit Ratio | 84.24% | 88.79% | -4.55% | 22nd bottom |
| Wholesale Funding Ratio | 4.10% | — | — | 44th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -1.35% | — | — | 22nd bottom |
| Loan Growth (Y/Y) | -0.86% | — | — | 36th below |
| Deposit Growth (Y/Y) | 0.66% | — | — | 40th below |
See Washington State Bank's peers by name
The 578 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.