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Washington State Bank
Washington, IA · FDIC Certificate #214 · Chartered 04/1
Total assets
$601.12M
Total deposits
$510.48M
Total equity
$49.01M
Net loans
$360.52M
Branches (offices)
5
Net income (YTD)
$4.15M
Rank: #1,551 of 4,213 U.S. banks by assets · #51 of 225 in Iowa. Assets changed 5.8% and deposits 0.3% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.39% |
| Return on equity | 18.46% |
| Net interest margin (YTD) | 3.37% |
| Equity to assets | 8.15% |
| Tier 1 leverage ratio | 12.48% |
| Uninsured deposits (share of deposits) | 36.8% |
| Noncurrent loans (share of loans) | 0.49% |
| Net charge-offs (share of loans) | 0.05% |
| Loans to deposits | 70.6% |
| Real estate loans (share of loans) | 82.4% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $297.17M | 82.4% | |
| Commercial & industrial | $21.80M | 6.0% | |
| Consumer / individual | $2.69M | 0.7% | |
| Construction & development | $13.18M | 3.7% | |
| Agricultural | $43.23M | 12.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $507.10M | $448.49M | $3.38M | $31.09M |
| Jun 2023 | $546.31M | $458.80M | $3.90M | $44.55M |
| Jun 2024 | $567.99M | $489.38M | $4.11M | $51.21M |
| Jun 2025 | $568.07M | $508.74M | $4.11M | $35.50M |
| Jun 2026 | $601.12M | $510.48M | $4.15M | $49.01M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Iowa | $510.48M | 5 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $510.48M.
Similar-sized banks
Wisdom Heritage Bank ($601.35M) · The Maries County Bank ($600.50M)
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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