# BANK OF WASHINGTON
WASHINGTON, MO · FDIC certificate 12627 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 5 (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 | $1.15B | |
| Deposits | $887.8M | |
| Loans and leases | $1.03B | |
| Total equity | $142.5M | |
| Loans / deposits | 113.66% (p96 of band) | 87.10% |
| Liquid assets / assets | 7.56% (p2 of band) | |
| Uninsured deposits / deposits | 24.05% (p27 of band) | 30.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 9.15% (p61 of band) | |
| FHLB advances / assets | 9.15% | |
| Tier 1 leverage | 12.47% (p80 of band) | 10.50% |
| Unrealized securities loss / equity | -0.64% (p91 of band) | -7.75% |
| AOCI / equity | -0.08% (p68 of band) | |
| ROA (annualized) | 0.86% (p22 of band) | 1.26% |
| Net interest margin | 4.62% (p90 of band) | 3.70% |
| Efficiency ratio | 64.46% (p67 of band) | |
| Noncurrent loans | 3.50% (p97 of band) | 0.51% |
| Net charge-offs (annualized) | 0.35% (p92 of band) | |
| Reserve coverage of noncurrent | 59.75% | |
| Real estate % of loans | 67% | |
| Construction % of loans | 58.69% (p62 of band) | |
| Auto loans | $624,000 (0.06% of loans; DQ 1.92%, NCO 0.00%) | |
| Loans to nondepository financials | $9.4M (7% of equity) (p85 of band) | |
| Deposits YoY | -1.6% | |
| Employees | 138 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **liquid assets <10%** (`liq_thin`)
- **noncurrent p90** (`aq_noncurrent`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 5 | loans exceed deposits, wholesale funding >15%, liquid assets <10%, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 5 |  |  |
| 2011-09 | 5 |  |  |
| 2011-12 | 5 | noncurrent p90 | liquid assets <10% |
| 2012-03 | 6 | charge-offs p90 |  |
| 2012-06 | 6 |  |  |
| 2012-09 | 6 | losing money | loans exceed deposits |
| 2012-12 | 6 | capital falling | noncurrent p90 |
| 2013-03 | 3 |  | wholesale funding >15%, losing money, capital falling |
| 2013-06 | 4 | noncurrent p90 |  |
| 2013-09 | 5 | deposits shrinking, assets shrinking, uninsured deposits leaving | construction >100% equity, noncurrent p90 |
| 2013-12 | 6 | noncurrent p90 |  |
| 2014-03 | 6 |  |  |
| 2014-06 | 6 |  |  |
| 2014-09 | 5 |  | uninsured deposits leaving |
| 2014-12 | 6 | construction >100% equity |  |
| 2015-03 | 5 |  | charge-offs p90 |
| 2015-06 | 5 | charge-offs p90 | construction >100% equity |
| 2015-09 | 6 | uninsured deposits leaving |  |
| 2015-12 | 6 |  |  |
| 2016-03 | 3 |  | deposits shrinking, charge-offs p90, uninsured deposits leaving |
| 2016-06 | 2 |  | assets shrinking |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 3 | expense ratio p90 |  |
| 2017-06 | 5 | loans exceed deposits, wholesale funding >15%, capital falling | expense ratio p90 |
| 2017-09 | 3 |  | loans exceed deposits, wholesale funding >15% |
| 2017-12 | 2 |  | capital falling |
| 2018-03 | 2 |  |  |
| 2018-06 | 2 |  |  |
| 2018-09 | 3 | loans exceed deposits |  |
| 2018-12 | 4 | capital falling |  |
| 2019-03 | 4 |  |  |
| 2019-06 | 2 |  | loans exceed deposits, capital falling |
| 2019-09 | 3 | loans exceed deposits |  |
| 2019-12 | 3 |  |  |
| 2020-03 | 4 | uninsured deposits leaving |  |
| 2020-06 | 3 |  | uninsured deposits leaving |
| 2020-09 | 4 | capital falling |  |
| 2020-12 | 3 |  | loans exceed deposits |
| 2021-03 | 3 |  |  |
| 2021-06 | 4 | loans exceed deposits, liquid assets <10% | capital falling |
| 2021-09 | 2 |  | loans exceed deposits, liquid assets <10% |
| 2021-12 | 3 | construction >100% equity |  |
| 2022-03 | 3 |  |  |
| 2022-06 | 5 | loans exceed deposits, liquid assets <10% |  |
| 2022-09 | 5 |  |  |
| 2022-12 | 5 | capital falling | reserve under noncurrent |
| 2023-03 | 5 | reserve under noncurrent | capital falling |
| 2023-06 | 5 |  |  |
| 2023-09 | 6 | wholesale funding >15% |  |
| 2023-12 | 6 | charge-offs p90 | wholesale funding >15% |
| 2024-03 | 6 | uninsured deposits leaving | charge-offs p90 |
| 2024-06 | 5 |  | construction >100% equity |
| 2024-09 | 5 |  |  |
| 2024-12 | 6 | charge-offs p90 |  |
| 2025-03 | 5 | capital falling | uninsured deposits leaving, charge-offs p90 |
| 2025-06 | 5 |  |  |
| 2025-09 | 4 |  | capital falling |
| 2025-12 | 3 | charge-offs p90 | noncurrent p90, reserve under noncurrent |
| 2026-03 | 4 | noncurrent p90, reserve under noncurrent | charge-offs p90 |
| 2026-06 | 5 | charge-offs p90 |  |

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

- 2026-08-03 [Why more St. Louis businesses and families are rediscovering the community bank - St. Louis Magazine](https://news.google.com/rss/articles/CBMihgFBVV95cUxNSXlwbVVMOUVBY1lIUGl4b3JBOVZCaEpfT29fZlZtb3ZhQzN0QVdHYk5JcUdDLXY0ODkwa1YtTGdzRURnVVFWbXpuZ2pyYWZmTkZudHIyUlVaYVFBZjI2T0xDSFhpR2MtRGRRRHNsaDJpLTVGa0tMczdHbU1LQ3NRM2ZGbVdHdw?oc=5) · St. Louis Magazine
- 2026-08-14 [Five St. Louis banks, federal home loan bank donate $610K for tornado recovery efforts - The Business Journals](https://news.google.com/rss/articles/CBMiqgFBVV95cUxNaFRVMnY0LUFHWUFxcWhJbXZ6MDgzZk52eThWTTFXRFpFM1pBOHRJdnBNQjFtbThXbEk1VDVMekNSenJQby0wUXN5Z3J0MnZ1ZU56RTFsUFItR2tMUEEyZHFSRXh1Yml0alE3c25kc3RXUjlQWENsZ2laYnhhWHpQSUdDV1BJSGVYekYxcENKeEtCeUZXaTJNNmVOSGJPb0ZySFl6Vnh6dUZyZw?oc=5) · The Business Journals
- 2026-07-12 [Pillar of Washington Community, L.B. Eckelkamp, passes - Missourian | Washington, MO](https://news.google.com/rss/articles/CBMi1gFBVV95cUxPSDd2RjgtcGlDWDlMOG9OYTFEU1VoczNKal9nc0tfd3Y5b0FRM2phR0hFeTdWOHViaHlGQVNUM05YNE9PT2hzcjlXWnBZM0xUV3Qwb0gyOWpEdjVDM3pTbm1uemgxTEt0bms4blZmZEtmRy1rbDFuZDh4Q0FvRm1xNVRDZkNRWTJncjI2WC1MSS1ubmlFeFF3NC1KVngzZ3ppdXVrUEZXXzdTRjM3Q3RGUndkSlQxUzdQd3NsNVdOTGZ6TTI5UllwUjYwS2pod01pZll2elB3?oc=5) · Missourian | Washington, MO
- 2026-05-12 [Missouri bank faces call for boycott over data-center controversy - American Banker](https://news.google.com/rss/articles/CBMiowFBVV95cUxOOE9pYngwdGphb1Vmcy1JZjN0UkF1cG13cTQxMldkcHBMU19keDlDVWhESTdNQXZPS0NWejVVT3IwYUdBd0wwdWo5N1ltOEVGNVJzTDhVc2pudlBiVzlQWGFaMGtoRHJlVlF1LW5KakZTeDg1OVg1YTlOZTZ2OU42SndtV1pTZnJfUVZYWW5valY0bm5DYWt3N2ZHSF8yam0yUEZr?oc=5) · American Banker
- 2026-07-13 [Louis Bernard "L.B." Eckelkamp Jr. Obituary (2026) - Washington, MO - Oltmann Funeral Home - Washington - legacy.com](https://news.google.com/rss/articles/CBMihAFBVV95cUxNQkgxVlAyYnJ6YndycFhQR2xyMGdZclE5dVpEZXF3dnNyYWpxOFNVcVlia21pSXNFbmJ0ZmFPZlN0Vks4Vm1hdkp4WFBGN1RIdFI4MWpSUU5WNlM3WmJhMlo1bUUzanJTT1ZzR2hpZThPS3RCZnd6SExxZG1Yamx5VWh4WVg?oc=5) · legacy.com
- 2026-07-13 [L.B. Eckelkamp Jr., Washington leader and NorthSide Regeneration lender, dies - The Business Journals](https://news.google.com/rss/articles/CBMiowFBVV95cUxNdEo1UFpHZF9WM2Z4SFFvS1c3YmVGeTdmY1FlX0xMRUgzSHJRMWdyRVJiLWQ1eVluMjRLc2RTbW5XZW53LWI4alpERkZ6S2ZsYTZTSl9JOTVOckhuSmZQcUVLR0RqX3ViRlZXT0ZDTU42ZnBnOFlhRWRIbV91TFR5SXR4WUFXVS1OZ2ZoeDRVRkgwbG1EeWJYdDctbHpjZ1NvS1I4?oc=5) · The Business Journals
- 2026-08-05 [PHOTO GALLERY: Brinker named 2026 Washington Town & Country Fair Queen - Missourian | Washington, MO](https://news.google.com/rss/articles/CBMi5wFBVV95cUxQVm9vUnF4Yi1UaVBiQVQyVWhjTGcwdGhkNDhwM2phNHdabjN4Q3lqWVZsWVRWZXlQSU9zUHctclZ6VFF0dVgyNzQ0MUpOWGJjTlFzRHpRaWw0TXFTYzFGV25adTVDREtYVzdsTGZBU09pM0pFQTk4NnYzWjh4dXR1YVQ1Vzk3OURlTDdfWlktOHdqNjhIUWtxaHc1OEdHeVVSNE9VVmRqdFB2ZXh3d0IyRXp1SHIzRGV0WWhsaFJWM1k3RURYT0xxNjVWRWszV0c2SFg0bEJtaDFfdGR6WHFOR0NsQTdxMDg?oc=5) · Missourian | Washington, MO
- 2026-02-23 [A legacy of doing good at the Bank of Washington - St. Louis Magazine](https://news.google.com/rss/articles/CBMihgFBVV95cUxQeTJtRkZZZV8tZzU3SlpOd09faG54eUN3YXBtMlZxLVVRVm5EM19kSWVPcnE0ZUd6cWNTXzBNQUdyTkdna3hVN1cwYWwtMUVsMkxwUHBfbDZRNF9XWmFEZWlsZHotT2pUZmtxYVdaQ2hzSmxnSDI5d2lBcW9lNGg3SjF1UWZHQQ?oc=5) · St. Louis Magazine

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=12627 (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/19.json (key "12627", 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