# WASHINGTON SAVINGS BANK
EFFINGHAM, IL · FDIC certificate 29227 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $585.3M | |
| Deposits | $504.4M | |
| Loans and leases | $356.1M | |
| Total equity | $67.4M | |
| Loans / deposits | 69.94% (p25 of band) | 82.04% |
| Liquid assets / assets | 33.26% (p72 of band) | |
| Uninsured deposits / deposits | 17.58% (p21 of band) | 25.97% |
| Brokered deposits | 2.16% | |
| Wholesale funding | 3.26% (p49 of band) | |
| FHLB advances / assets | 1.03% | |
| Tier 1 leverage | 12.07% (p70 of band) | 10.81% |
| Unrealized securities loss / equity | -24.62% (p17 of band) | -8.10% |
| AOCI / equity | -1.58% (p12 of band) | |
| ROA (annualized) | 0.77% (p20 of band) | 1.28% |
| Net interest margin | 2.79% (p6 of band) | 3.91% |
| Efficiency ratio | 66.59% (p66 of band) | |
| Noncurrent loans | 0.29% (p41 of band) | 0.43% |
| Net charge-offs (annualized) | 0.04% (p74 of band) | |
| Reserve coverage of noncurrent | 322.26% | |
| Real estate % of loans | 84% | |
| Construction % of loans | 23.85% (p30 of band) | |
| Auto loans | $2.8M (0.77% of loans; DQ 0.22%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -0.2% | |
| Employees | 69 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 2 | capital falling |  |
| 2011-12 | 1 |  | capital falling |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 2 | capital falling |  |
| 2014-12 | 1 |  | capital falling |
| 2015-03 | 2 | NIM <2.5% |  |
| 2015-06 | 1 |  | NIM <2.5% |
| 2015-09 | 1 |  |  |
| 2015-12 | 2 | uninsured deposits leaving |  |
| 2016-03 | 1 |  | uninsured deposits leaving |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 | capital falling | reserve under noncurrent |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 0 |  | capital falling |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 1 | capital falling |  |
| 2020-03 | 1 |  |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 2 | uninsured deposits leaving |  |
| 2020-12 | 1 |  | uninsured deposits leaving |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 1 |  |  |
| 2022-03 | 2 | NIM <2.5% |  |
| 2022-06 | 3 | AOCI drag >20% of equity, securities losses >30% of equity | NIM <2.5% |
| 2022-09 | 2 |  | capital falling |
| 2022-12 | 3 | NIM <2.5% |  |
| 2023-03 | 3 | expense ratio p90 | AOCI drag >20% of equity |
| 2023-06 | 3 |  |  |
| 2023-09 | 3 |  |  |
| 2023-12 | 3 |  |  |
| 2024-03 | 3 |  |  |
| 2024-06 | 3 |  |  |
| 2024-09 | 2 |  | securities losses >30% of equity |
| 2024-12 | 3 | securities losses >30% of equity |  |
| 2025-03 | 3 |  |  |
| 2025-06 | 3 |  |  |
| 2025-09 | 4 | capital falling, uninsured deposits leaving | securities losses >30% of equity |
| 2025-12 | 1 |  | expense ratio p90, capital falling, uninsured deposits leaving |
| 2026-03 | 0 |  | NIM <2.5% |
| 2026-06 | 0 |  |  |

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

- 2026-01-21 [Blake Pierce Named to WSB Board of Directors - Effingham's News and Sports Leader, 979XFM and KJ Country 102.3 - thexradio.com](https://news.google.com/rss/articles/CBMimAFBVV95cUxPLWQ3NGVFcVNhZWU1MDNwTTNKZHVGNVZtTnVwSC1RbHZTQzhDOHI4WWdDazB0S1VhVXViVzF3b0tfb2hPa1hUaEV4NWd4UXpqNzBEY0F5ZThhSEhnVGl3MDM1eDNLOEFFQ2ZWdnkydlB5Q2VKT3BGb19ydGhXdmNNOTRLWGNJQU16MHpxZWxTNzVEVl9sY2k1dA?oc=5) · thexradio.com
- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2023-09-14 [Washington Savings Bank: Celebrating 140 ears of community banking - WCIA.com](https://news.google.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?oc=5) · WCIA.com
- 2024-03-08 [Washington Savings Bank Holds Annual “Give A Heart” Fundraiser - Effingham Radio](https://news.google.com/rss/articles/CBMipgFBVV95cUxObE5zQmxSZmZoaW1sNDc1UTdVVmJGcDJPZ05JMTFXSDN4ckdrZDRxNXhETHhCOTVScG0wOTExNEF6alZWeF80QzhzeXhTd2lCdUJaZ1FaRjJTd1dFdG13ZTU3cVJyQjZ4bHVsdExzQlBuS2tRc0d3TnhqcGxqYkNzb2xXaFpGckNPSHU5SVRRTURIQzdxTGE2akl1Tkx6MVcwSmZGQjVR?oc=5) · Effingham Radio
- 2022-01-25 [Washington Savings Bank acquires naming rights at EHS stadium with $250K donation - Effingham Daily News](https://news.google.com/rss/articles/CBMijgJBVV95cUxPbF8xNzgtNHFrZ25rVXY0Tlk2YXV5NnNhWFZjaE1ycG5xTDh2UmU0QUFfNGZIVk9MY01EVkJKV2VMYmlaVDdBQ25KdzVWOWVxVlpsRnJFTDZ5U3phSTR2c0RUanU5QnNxaFBXTXpHWFJkN1AzU2NRSXZZR18tbTJRdEdPdWVXNlpQSndGcHkyeXFQQU1OQ0xFTzJuWlV6WDRrWnctSldzLTdUTUJhc3pmQVUzd2d6MnJiTUxSZWxaWEF0bTR1dTMtaFRKSVdzUXJkLTRpUHZiR2YwUjhBSFltcm8temZhVWsxLWNObk1DZkkzREZIWWNDTHlEblNEaXRiYV95dmR6REctMW1nSVE?oc=5) · Effingham Daily News
- 2022-07-15 [Our Town Mattoon: Washington Savings Bank - WCIA.com](https://news.google.com/rss/articles/CBMiogFBVV95cUxPaFY0X2hUbEloX3UwRWFvRzNhdThQbE5GYVV1RG1pZzZYNVBsYjM3Q3VycXFvdW5ZUmpMcEFxeGtRRDVydUcyTmtrN3RDYldfUzlIaXowQlBDS0hnSDYyNjVCSmxmTThiMW5zbWJVRE1YbWFyYURVTkpiRXZ2ZUhJbmJOTTFVTUFYNWQ2dmVUbWNFN0txVTY4cTVmNm1wMF82a2fSAacBQVVfeXFMTzVIQm44QkFjVUU0aldCYWpJRi1rTHo1RWx0WDF1eXU1WVdMT0ZlMFkwcUMzV2FpckVHX1RNMU9vbmozbFdhdm55aGVRYVBCNEdlSC15RVhDNFd2NE91LUE5aUF0YXZaOUliZXRKV1psS0dtcmNXTzA3QlloMFZDaUZMOTBxUzhpUlp2di1fZW5wUmE5UkxxNE9rcFo5MVRHNHFuRy00cDA?oc=5) · WCIA.com
- 2025-07-31 [Washington Savings Bank Wealth Management Department Awards Scholarships For 2025-2026 School Year - Effingham Radio](https://news.google.com/rss/articles/CBMi2AFBVV95cUxOZEg4OGl0ZmxJU3lmcUtRcmU1clAtd1VWZnpRQkZOaGNadjhTZENEUjlWdmd1RjFfTkJMWnN1bHFtT2lmMnR4akl0SUo3WFhtMnNJQmZpNHlLREQtcVB1NUQ5TGVvQXh3RUlLek1vY0FtSW9VR3NRbEdaSEMyanhtNWkwV056VHNnNURDRjJTSmFMa3g2UXJRQnVsT0lxSlE4QjY5a0t0aThHdjVycjQ2R1g5NldPR2FCRGN1VTJvV0VYNmNpSlBMTTBhZkdFOEN5azdVcS1YRHk?oc=5) · Effingham Radio
- 2026-08-24 [Failed Banks In The US: An Analysis By Year, Size And More - Forbes](https://news.google.com/rss/articles/CBMibEFVX3lxTE9SRkVrQmdfS2FWVWlBdzNCcy1OTlAyNlVSUEpoMG5WVllXR0V1dW5NSFBRSW91OUFjZ055S3dyS3RaaVg3dVc3UU12XzhENE5nanJFeEExR016RTR4Y1BERHVJSHlzSDNqS3pUWQ?oc=5) · Forbes

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=29227 (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/43.json (key "29227", 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