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 Loan-to-deposit ratio: 3.00 percentage points higher than in Q1 2026, at 43.62%. Washington State Bank ranks 241st of 323 Illinois banks on return on assets, in the lower half at 0.77% (Q2 2026). Washington State Bank reported 0.77% on return on assets for Q2 2026, 0.23 points below the 1.00% median for banks in the < $100M asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 9.10% |
| Equity capital to assets | 7.10% |
| Tangible equity to tangible assets | 7.10% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.03% |
| Non-performing assets ratio | 0.40% |
| Net charge-off ratio | 0.38% |
| Texas ratio | 4.84% |
| Allowance for credit losses to loans | 3.00% |
| Reserve coverage of non-performing loans | 290.51% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.77% |
| Return on equity | 11.10% |
| Net interest margin | 2.24% |
| Efficiency ratio | 54.65% |
| Yield on earning assets | 4.00% |
| Cost of funds | 1.94% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 43.62% |
| Core deposits to total deposits | 84.24% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 88.75% |
| Securities to assets | 58.63% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 9.16% | 0.77% | 2.34% | 0.29% | 0.17% |
| Q4 2023 | 8.98% | 0.34% | 2.11% | 0.17% | 0.41% |
| Q1 2024 | 9.18% | 0.29% | 1.92% | 0.17% | 0.22% |
| Q2 2024 | 9.32% | 0.46% | 1.98% | 0.16% | 0.09% |
| Q3 2024 | 9.28% | 0.57% | 2.06% | 0.26% | 0.18% |
| Q4 2024 | 8.94% | 0.54% | 2.14% | 0.26% | 0.00% |
| Q1 2025 | 9.11% | 0.44% | 2.11% | 0.25% | 0.01% |
| Q2 2025 | 9.47% | 0.58% | 2.12% | 0.24% | -0.04% |
| Q3 2025 | 9.59% | 0.63% | 2.22% | 0.23% | 0.08% |
| Q4 2025 | 8.42% | -2.61% | 2.00% | 0.04% | 1.01% |
| Q1 2026 | 8.69% | 0.70% | 2.30% | 0.03% | 0.00% |
| Q2 2026 | 9.10% | 0.77% | 2.24% | 1.03% | 0.38% |
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 16667) · FFIEC NIC profile (RSSD 480246)