Bank of Washington: how it compares with its peers
Against 44 MO banks with half to twice its assets, Bank of Washington's strongest measure in Q2 2026 is net interest margin (4.62% vs. a 4.23% peer median). Its weakest relative measure is return on assets (0.86% vs. 1.63%).
| Measure | Bank of Washington | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.86% | 1.63% | Bottom third Ahead of 7% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.62% | 4.23% | Top third Ahead of 91% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 64.46% | 54.24% | Bottom third Ahead of 23% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $8.3M | $7.3M | Top third Ahead of 68% of peers |
| Loans to deposits Net loans and leases over total deposits. | 113.66% | 90.52% | Context |
What it means for lending operations
Its efficiency ratio of 64.46% is above the 54.24% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Mid America Bank Jefferson City, MO · $1.18B
- Montgomery Bank Sikeston, MO · $1.18B
- St. Louis Bank Saint Louis, MO · $1.11B
- Triad Bank Frontenac, MO · $1.11B
- Southwest Missouri Bank Carthage, MO · $1.21B
- Parkside Financial Bank & Trust Clayton, MO · $1.08B
Questions about Bank of Washington
How big is Bank of Washington?
Bank of Washington, established in 1877, is headquartered in Washington, MO. It reported $1.15B in total assets in its Q2 2026 FDIC call report and operates 7 offices.
What is Bank of Washington's return on assets?
0.86% annualized in Q2 2026, against a 1.63% median for 44 MO banks with half to twice its assets, ahead of 7% of them.
What is Bank of Washington's efficiency ratio?
64.46% in Q2 2026: it spent about 64 cents in noninterest expense for each dollar of revenue. The peer median is 54.24%, and lower is better.
Is Bank of Washington growing its loans?
Net loans grew 2.1% over the year to Q2 2026, while deposits shrank 1.6%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are MO banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Missouri bank ranked.