Washington Financial Bank: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Headquartered in Washington, Washington Financial Bank serves the Pennsylvania market as a community-focused commercial bank, in the Pittsburgh metro banking region. The Q2 2026 balance sheet stands at $1.4B in assets, including $1.1B in loans. Returns are in line with industry norms at 1.19% ROA and 8.53% ROE; net interest margin is 3.57%. Under the simplified Community Bank Leverage Ratio framework, leverage of 14.75% exceeds the CBLR threshold. Credit conditions bear watching: 2.91% NPL ratio with a 14.29% Texas Ratio (elevated but below the 100% concern level). It operates 10 branches, primarily in Pennsylvania.
As of June 30, 2026, Washington Financial Bank reported a Tier 1 leverage ratio of 14.75%, a return on assets of 1.19%, a nonperforming-loan ratio of 2.91%, a Texas ratio of 14.29%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 77 S Main St, Washington, PA 15301
- County
- Washington
- Metro Area
- Pittsburgh, PA
- Charter
- State-chartered stock savings bank, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- —
- Federal Reserve district
- District 4, Cleveland
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1899
- Former names
- Washington Federal Savings Bank (1990-2009)
- Offices
- 10 domestic
- Employees (FTE)
- 155
- Domestic deposits
- $1.21B
- Allowance for credit losses
- $9.7M
- Net charge-offs (YTD)
- $3.1M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 29520
- Fed RSSD
- 282075
- Website
- www.washfin.bank →
- Parent Holding Company
- WFSB, INC. (RSSD 3831335)
- Ultimate Parent
- WFSB MUTUAL HOLDING COMPANY (RSSD 3831326)
Profitability
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
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25 years of quarterly trends · 8 tabs · peer percentiles · Excel export
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How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings. A community bank leverage ratio filer reports no CET1 ratio, so the first ratio column is the Tier 1 leverage ratio.
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.75% | 1.19% | 2.91% | 14.29% | 3.57% |
| Q1 2026 | 14.53% | 1.09% | 2.94% | 14.71% | 3.48% |
| Q4 2025 | 13.72% | -0.67% | 3.28% | 16.75% | 3.23% |
| Q3 2025 | 13.98% | 0.52% | 2.37% | 12.37% | 3.02% |
| Q2 2025 | 13.94% | 0.64% | 2.40% | 12.74% | 2.96% |
| Q1 2025 | 13.77% | 0.81% | 2.22% | 12.16% | 2.86% |
| Q4 2024 | 12.96% | 0.47% | 1.66% | 9.40% | 2.49% |
| Q3 2024 | 12.82% | -0.32% | 0.35% | 1.97% | 2.41% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 10 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Washington Financial Bank (main office) | Washington , PA | 15301 | $506.6M |
| Washington Road Branch | Mcmurray , PA | 15317 | $139.8M |
| Hickory Branch | Hickory , PA | 15340 | $112.4M |
| Franklin Mall Branch | Washington , PA | 15301 | $103.4M |
| Murtland Avenue Branch | Washington , PA | 15301 | $102.6M |
| East Pike Street Branch | Canonsburg , PA | 15317 | $81.7M |
| Valley Brook Rd Branch | Mc Murray , PA | 15317 | $59.7M |
| Tylerdale Branch | Washington , PA | 15301 | $48.9M |
| South Fayette Branch | Bridgeville , PA | 15017 | $43.3M |
| Washington Financial Bank Branch | Finleyville , PA | 15332 | $12.4M |
Regulatory record
What the public regulatory sources show for Washington Financial Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.2% of deposits in PA, rank 49 of 148 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 221 applications, 182 loans originated, $60.9M originated, across 4 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Washington Financial Bank
What are Washington Financial Bank's total assets?
As of the Q2 2026 filing, Washington Financial Bank reported total assets of $1.44 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Washington Financial Bank headquartered?
Washington Financial Bank is headquartered in Washington, PA, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Washington Financial Bank founded?
Washington Financial Bank was established in 1899, per the FDIC institution directory.
Is Washington Financial Bank FDIC-insured?
Yes. Washington Financial Bank is an FDIC-insured commercial bank (FDIC Certificate #29520). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Washington Financial Bank?
Washington Financial Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
How many branches does Washington Financial Bank operate?
Washington Financial Bank operates 10 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Washington Financial Bank's Texas Ratio?
Washington Financial Bank's Texas Ratio is 14.29% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was Washington Financial Bank previously called?
The charter now named Washington Financial Bank has also operated as Washington Federal Savings Bank (1990-2009), per FDIC structure-change records.
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