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Washington Savings Bank
Effingham, IL · FDIC Certificate #29227 · Chartered 01/0
Total assets
$585.34M
Total deposits
$504.35M
Total equity
$67.39M
Net loans
$352.76M
Branches (offices)
4
Net income (YTD)
$2.27M
Rank: #1,586 of 4,213 U.S. banks by assets · #90 of 322 in Illinois. Assets changed -0.0% and deposits -0.2% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.77% |
| Return on equity | 6.80% |
| Net interest margin (YTD) | 2.79% |
| Equity to assets | 11.51% |
| Tier 1 leverage ratio | 12.07% |
| Uninsured deposits (share of deposits) | 17.6% |
| Noncurrent loans (share of loans) | 0.29% |
| Net charge-offs (share of loans) | 0.07% |
| Loans to deposits | 69.9% |
| Real estate loans (share of loans) | 84.6% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $298.51M | 84.6% | |
| Commercial & industrial | $52.35M | 14.8% | |
| Consumer / individual | $5.25M | 1.5% | |
| Construction & development | $16.07M | 4.6% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $581.92M | $504.82M | $1.73M | $56.02M |
| Jun 2023 | $584.84M | $495.04M | $424.00K | $54.77M |
| Jun 2024 | $579.25M | $492.86M | $292.00K | $57.43M |
| Jun 2025 | $585.49M | $505.50M | $181.00K | $61.37M |
| Jun 2026 | $585.34M | $504.35M | $2.27M | $67.39M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Illinois | $504.35M | 4 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $504.35M.
Similar-sized banks
First Kentucky Bank, Inc. ($585.56M) · First National Bank Of Huntsville ($584.87M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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