# WASHINGTON COUNTY BANK
BLAIR, NE · FDIC certificate 12241 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *fortress*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $662.3M | |
| Deposits | $558.8M | |
| Loans and leases | $501.6M | |
| Total equity | $82.1M | |
| Loans / deposits | 88.71% (p68 of band) | 82.04% |
| Liquid assets / assets | 20.60% (p34 of band) | |
| Uninsured deposits / deposits | 22.91% (p40 of band) | 25.97% |
| Brokered deposits | 1.52% | |
| Wholesale funding | 4.26% (p54 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 12.79% (p77 of band) | 10.81% |
| Unrealized securities loss / equity | -8.26% (p49 of band) | -8.10% |
| AOCI / equity | -0.24% (p56 of band) | |
| ROA (annualized) | 1.80% (p80 of band) | 1.28% |
| Net interest margin | 4.38% (p76 of band) | 3.91% |
| Efficiency ratio | 48.79% (p16 of band) | |
| Noncurrent loans | 0.34% (p44 of band) | 0.43% |
| Net charge-offs (annualized) | 0.12% (p86 of band) | |
| Reserve coverage of noncurrent | 343.75% | |
| Real estate % of loans | 49% | |
| Construction % of loans | 22.63% (p28 of band) | |
| Auto loans | $2.5M (0.50% of loans; DQ 2.32%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 6.4% | |
| Employees | 89 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | wholesale funding >15% |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 2 | capital falling |  |
| 2012-06 | 2 |  |  |
| 2012-09 | 1 |  | capital falling |
| 2012-12 | 1 |  |  |
| 2013-03 | 0 |  | wholesale funding >15% |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 1 | wholesale funding >15% |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 0 |  | wholesale funding >15% |
| 2014-09 | 1 | capital falling |  |
| 2014-12 | 1 | wholesale funding >15% | capital falling |
| 2015-03 | 0 |  | wholesale funding >15% |
| 2015-06 | 1 | wholesale funding >15% |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 1 |  |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 0 |  | wholesale funding >15% |
| 2016-12 | 0 |  |  |
| 2017-03 | 2 | brokered >10%, wholesale funding >15% |  |
| 2017-06 | 2 |  |  |
| 2017-09 | 0 |  | brokered >10%, wholesale funding >15% |
| 2017-12 | 1 | wholesale funding >15% |  |
| 2018-03 | 0 |  | wholesale funding >15% |
| 2018-06 | 0 |  |  |
| 2018-09 | 1 | uninsured deposits leaving |  |
| 2018-12 | 1 | capital falling | uninsured deposits leaving |
| 2019-03 | 0 |  | capital falling |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 0 |  |  |
| 2020-12 | 0 |  |  |
| 2021-03 | 1 | capital falling |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | capital falling |  |
| 2022-06 | 0 |  | capital falling |
| 2022-09 | 2 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 0 |  | AOCI drag >20% of equity, securities losses >30% of equity |
| 2023-06 | 0 |  |  |
| 2023-09 | 2 | securities losses >30% of equity, deposits shrinking |  |
| 2023-12 | 0 |  | securities losses >30% of equity, deposits shrinking |
| 2024-03 | 0 |  |  |
| 2024-06 | 0 |  |  |
| 2024-09 | 0 |  |  |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 1 | charge-offs p90 |  |
| 2026-06 | 0 |  | charge-offs p90 |

## In the news (Google News, unfiltered, newest first; check the city)

- 2023-06-21 [Ribbon cutting held for new WCB branch - Missouri Valley Times News](https://news.google.com/rss/articles/CBMijAFBVV95cUxPdGliaTlNUWdzdWJObEdQREFPNkNsaXNLNnlnV2xFaEQ5YkI0azc4b3hmaUxONUJPWXZRa093TUpncHJWZmtJRlFaTWZaTWJMRktET1o5UGYtanhqZE5zenlPRTl4WXUtODRSVkNKZnZfcW8xZURoMW8wZThhaEVSbFRnQmZJYmx2QlFIRw?oc=5) · Missouri Valley Times News
- 2024-04-17 [Deputies uncover fraudulent check scam exploiting homeless people in eastern Nebraska - 1011now.com](https://news.google.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?oc=5) · 1011now.com
- 2017-07-26 [Woman accused of Washington County bank robbery has long holdup record - The Herald-Mail](https://news.google.com/rss/articles/CBMi2AFBVV95cUxOWVJwMEhJMlkxdG8zcGRCNnBhR0RFakM3Um13THJ5cHVhWDJYM0xOb09aa3F1elR6S1lYUVhZN3BDQW1aMVdJQjB3alZ1ZVNzYUJzTWVJNW93MjNQb0xPODNQZ1UtQkJnTjA0S29rbHRVSjZrM2gteGc3YlpfMzdNd1poMm9iTlJjWjI4cW1FS3g0QlZnTTZqa0FLd0dKWUNCX01HNnlobU5PajNBM3dXdlQzV0tmOWtnSEQ0aUEwX1VXcE5rclhNR3o2QkJpVThqM0R3ZFlFUmM?oc=5) · The Herald-Mail
- 2025-01-23 [Louisville woman arrested in connection to bank robbery; another arrest expected - WLKY](https://news.google.com/rss/articles/CBMiogFBVV95cUxQZ09jNWtyeTFXdXlhQVlNQXJhajFkV3hlbXNRcHNRcGt0am1FYXZrR0NtVHQybXFDOWx4N3BHb3VxNXBURHVWN1JlZ0Q0bUlMbGQ0c2Q3LV9SSmphaFE1N3h5d1lZQUpLNXZpLTVkNWlRNmdSTFVSV0VNcjNNaWdGV2V1RHN4aFQ5X3dtY2hUX082YnZydDVoTzdhY3VNbVZyV1E?oc=5) · WLKY
- 2024-06-20 [Washington County bank robber arrested in New York for same crime, police say - WTAE](https://news.google.com/rss/articles/CBMilgFBVV95cUxQR3l1UXF6TUFCT0xnTm01MUFBWW1NTEM0S1UzdWQ5MmxyMnhzUXExQWFqdHNuM3pKUEY1SlZtYkVrc3VvRlI0ZjBXYVo2UzVEbDV1Q3JnSlRNWmlQNkF5dHE4MGNCOVlqbWhDOUpydkE0X3pOaDM3elBjLUhzVUtZN214cE1Yc3p1emNDYVNWaHlWNGlFWHc?oc=5) · WTAE
- 2024-05-23 [Washington County Board of Supervisors The Board met in regular session at 3:06 pm on Tue, May 13, 2024 in the Supervisor’s meeting room at the courthouse in Blair, Nebr. Present: Chairman Steve … - Washington County Enterprise](https://news.google.com/rss/articles/CBMi1wFBVV95cUxPeEZ2ZkVlN1FJUUpVaURtRVk0cG43YzFoZXNxdHBydzl3SEpDZ2JGYUNENm5jQWhDSExwQ0g0Z1o5WnR0elJaNGpSLWNueVZpSFZIejRfejFDSVdMeG9KS0NrblBQcElBQUItX3BybWs0WWpUcXVtTTJleWxwVmoyNHh4MjNMRnhoOU9laHI5TjBpYkgtQTlIbzF4cDllaVh0ZWFNR2NHUklzemxBU01RMU1UdER2WmZnWHlQcjBoQUpNNFdCdkRmb0pEVmYwUm1CV1h6WUZUQQ?oc=5) · Washington County Enterprise
- 2025-03-05 [Woodbury man sentenced for string of Washington County bank robberies - Pioneer Press](https://news.google.com/rss/articles/CBMimgFBVV95cUxOek5feGdMSmR6NnZwdlpSd0s3amEyekNOTm95V3pjZV9sb0p6a3drUEJWT0o3RFpHVk42YzR6TVFjVkJ3NXdCY2otcW45M3RfRjhQNmptbXlLT2JNVm0zRVJnOFFLbTRHV3cyU1B0bVI1T082VXpua3Q0N3ZfdlZLRU50blEzT2JZMjBWWThjS3BjWXdqY0g1OWd3?oc=5) · Pioneer Press
- 2018-03-16 [Man who allegedly held up Washington County bank arrested near casino - WPXI](https://news.google.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?oc=5) · WPXI

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=12241 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/17.json (key "12241", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide