FNB Washington: how it compares with its peers
Against 62 KS banks with half to twice its assets, FNB Washington's strongest measure in Q2 2026 is return on assets (1.94% vs. a 1.36% peer median). Its weakest relative measure is net interest margin (3.96% vs. 3.91%).
| Measure | FNB Washington | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.94% | 1.36% | Top third Ahead of 85% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.96% | 3.91% | Middle third Ahead of 53% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 49.48% | 59.42% | Top third Ahead of 84% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $8.0M | $7.2M | Top third Ahead of 73% of peers |
| Loans to deposits Net loans and leases over total deposits. | 70.71% | 67.68% | Context |
What it means for lending operations
Its efficiency ratio of 49.48% is better than the 59.42% 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
- The First National Bank of Dighton Dighton, KS · $89M
- New Century Bank Belleville, KS · $89M
- The Farmers State Bank Holton, KS · $86M
- The Stock Exchange Bank, Caldwell, Kansas Caldwell, KS · $90M
- The Farmers State Bank Wathena, KS · $85M
- The First State Bank Ness City, KS · $84M
Questions about FNB Washington
How big is FNB Washington?
FNB Washington, established in 1883, is headquartered in Washington, KS. It reported $88M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is FNB Washington's return on assets?
1.94% annualized in Q2 2026, against a 1.36% median for 62 KS banks with half to twice its assets, ahead of 85% of them.
What is FNB Washington's efficiency ratio?
49.48% in Q2 2026: it spent about 49 cents in noninterest expense for each dollar of revenue. The peer median is 59.42%, and lower is better.
Is FNB Washington growing its loans?
Net loans grew 0.9% over the year to Q2 2026, while deposits grew 6.8%.
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 KS 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 Kansas bank ranked.