Washington Financial Bank: how it compares with its peers
Against 28 PA banks with half to twice its assets, Washington Financial Bank's strongest measure in Q2 2026 is assets per employee ($9.3M vs. a $7.8M peer median). Its weakest relative measure is return on assets (1.15% vs. 1.16%).
| Measure | Washington Financial Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.15% | 1.16% | Middle third Ahead of 43% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.63% | 3.47% | Middle third Ahead of 57% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 60.29% | 60.74% | Middle third Ahead of 50% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $9.3M | $7.8M | Top third Ahead of 68% of peers |
| Loans to deposits Net loans and leases over total deposits. | 87.16% | 83.31% | Context |
What it means for lending operations
Its efficiency ratio of 60.29% is better than the 60.74% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Marquette Savings Bank Erie, PA · $1.44B
- Ameriserv Financial Bank Johnstown, PA · $1.46B
- 1st Summit Bank Johnstown, PA · $1.52B
- First Keystone Community Bank Berwick, PA · $1.57B
- Central Penn Bank & Trust Mifflinburg, PA · $1.27B
- Community Bank Carmichaels, PA · $1.66B
Questions about Washington Financial Bank
How big is Washington Financial Bank?
Washington Financial Bank, established in 1899, is headquartered in Washington, PA. It reported $1.44B in total assets in its Q2 2026 FDIC call report and operates 10 offices.
What is Washington Financial Bank's return on assets?
1.15% annualized in Q2 2026, against a 1.16% median for 28 PA banks with half to twice its assets, ahead of 43% of them.
What is Washington Financial Bank's efficiency ratio?
60.29% in Q2 2026: it spent about 60 cents in noninterest expense for each dollar of revenue. The peer median is 60.74%, and lower is better.
Is Washington Financial Bank growing its loans?
Net loans shrank 1.0% over the year to Q2 2026, while deposits shrank 5.2%.
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 PA 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 Pennsylvania bank ranked.