# WASHINGTON STATE BANK
WASHINGTON, LA · FDIC certificate 9326 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 2 (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 | $309.2M | |
| Deposits | $273.9M | |
| Loans and leases | $226.7M | |
| Total equity | $32.3M | |
| Loans / deposits | 82.01% (p50 of band) | 82.04% |
| Liquid assets / assets | 22.24% (p40 of band) | |
| Uninsured deposits / deposits | 26.16% (p51 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p11 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.81% (p50 of band) | 10.81% |
| Unrealized securities loss / equity | -3.59% (p69 of band) | -8.10% |
| AOCI / equity | -0.57% (p38 of band) | |
| ROA (annualized) | 1.12% (p40 of band) | 1.28% |
| Net interest margin | 4.44% (p79 of band) | 3.91% |
| Efficiency ratio | 65.29% (p62 of band) | |
| Noncurrent loans | 1.29% (p79 of band) | 0.43% |
| Net charge-offs (annualized) | 0.44% (p96 of band) | |
| Reserve coverage of noncurrent | 72.92% | |
| Real estate % of loans | 83% | |
| Construction % of loans | 40.36% (p47 of band) | |
| Auto loans | $1.2M (0.53% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 1.0% | |
| Employees | 59 | |

## Flags firing in the latest filing

- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | charge-offs p90, reserve under noncurrent |  |
| 2011-06 | 1 |  | charge-offs p90 |
| 2011-09 | 1 |  |  |
| 2011-12 | 2 | noncurrent p90 |  |
| 2012-03 | 2 | charge-offs p90 | noncurrent p90 |
| 2012-06 | 1 |  | charge-offs p90 |
| 2012-09 | 1 |  |  |
| 2012-12 | 2 | noncurrent p90 |  |
| 2013-03 | 2 |  |  |
| 2013-06 | 0 |  | reserve under noncurrent, noncurrent p90 |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | charge-offs p90 |  |
| 2014-06 | 2 | capital falling |  |
| 2014-09 | 2 |  |  |
| 2014-12 | 2 |  |  |
| 2015-03 | 1 |  | charge-offs p90 |
| 2015-06 | 1 | construction >100% equity | capital falling |
| 2015-09 | 5 | reserve under noncurrent, deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2015-12 | 4 |  | reserve under noncurrent |
| 2016-03 | 4 |  |  |
| 2016-06 | 1 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2016-09 | 0 |  | construction >100% equity |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 1 | capital falling |  |
| 2017-09 | 0 |  | capital falling |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 2 | charge-offs p90, reserve under noncurrent |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 1 |  | charge-offs p90 |
| 2020-06 | 2 | capital falling |  |
| 2020-09 | 3 | expense ratio p90 |  |
| 2020-12 | 2 |  | expense ratio p90 |
| 2021-03 | 2 |  |  |
| 2021-06 | 2 |  |  |
| 2021-09 | 1 |  | capital falling |
| 2021-12 | 1 |  |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 3 | capital falling, construction >100% equity |  |
| 2022-09 | 3 | AOCI drag >20% of equity | capital falling |
| 2022-12 | 2 |  | AOCI drag >20% of equity |
| 2023-03 | 1 |  | reserve under noncurrent |
| 2023-06 | 2 | deposits shrinking |  |
| 2023-09 | 0 |  | construction >100% equity, deposits shrinking |
| 2023-12 | 1 | reserve under noncurrent |  |
| 2024-03 | 1 | charge-offs p90 | reserve under noncurrent |
| 2024-06 | 1 | uninsured deposits leaving | charge-offs p90 |
| 2024-09 | 0 |  | uninsured deposits leaving |
| 2024-12 | 0 |  |  |
| 2025-03 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2025-06 | 2 |  |  |
| 2025-09 | 0 |  | noncurrent p90, reserve under noncurrent |
| 2025-12 | 1 | charge-offs p90 |  |
| 2026-03 | 1 | reserve under noncurrent | charge-offs p90 |
| 2026-06 | 2 | charge-offs p90 |  |

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

- 2026-08-03 [Sue Soileau Brignac Durand Obituary August 3, 2026 - Pellerin Funeral Homes](https://news.google.com/rss/articles/CBMiaEFVX3lxTE14UHBjV3hnWjNzaVg1a1JxcU5ldWlxVmpKVVJFekZTVkNaUXBXTFpudldxQ2J1SjI0VVprS2xrMDR4aUFrRjZpbzJtam96V2pzdmZwaWlXTndvRExqMVZpS29EVVAxeFdm?oc=5) · Pellerin Funeral Homes
- 2022-06-12 [State Bank Information - Sen. Bob Hasegawa - Washington Senate Democrats (.gov)](https://news.google.com/rss/articles/CBMickFVX3lxTE9EUWE2NndlMGxqWU1WbnpqdEhacFhxd242ZUx1N3pPUEE0RTd6OW9CY0Z5ZGwwSENTWjVqV1N4dnNmcTk3UDgwTFhHR3RiVHQwWXdnNGkyTXpiTmFHczhhMl9wZnhmNllSenN3VG9FVjNjdw?oc=5) · Washington Senate Democrats (.gov)
- 2012-08-19 [Washington State Bank Invests in L.A. Presence - Los Angeles Business Journal](https://news.google.com/rss/articles/CBMihgFBVV95cUxQSGpRNkRneDl1aFk4b0tQQzVvZVg4THdaaUx6RUhpZ3pOalBnZ3pGRjIzNGpKMFJGN1NiMDJmQ1NjSk5GbW5BaGtNckFlaGhZNnZfN2gtWjRaRnpnUi0wQzF2YjFtSDI1cUI4WUJiYlVjZ0RRUVdSMUtQOUZfMlRpLURHTDlmZw?oc=5) · Los Angeles Business Journal
- 2018-08-27 [Mouton named senior VP at Washington State Bank - The Daily Advertiser | Lafayette, Louisiana](https://news.google.com/rss/articles/CBMirAFBVV95cUxNZWRsbWkxSDhyX3FRSm9VTHZISlQyRkZtc01HVmR3UUFTaWR4MWwwNVZ1SGFRcjY0OGc3UlRMeGZUYWw1OFFoeGVrck5UTU4xZXNrQzBWUlBfZXV3alpZd2pJZjNLYzFoTXhfMlQyaklsNnR3ZnZVQWNuS21JbHlKY0U5NG1aYXN5NHpZY1NzUUhYVVdVYmNUbG95VGVXd3lOc3djMThEQk9SUWxh?oc=5) · The Daily Advertiser | Lafayette, Louisiana
- 2022-04-26 [Port Washington State Bank promotes four | Ozaukee Co. Business News - GMToday.com](https://news.google.com/rss/articles/CBMi0gFBVV95cUxNQXdaNFpxQWR6V0RfU0dXV2ctUFdXN3J0QXE1TzBVWS00QjZGRDVnektJNnRvS0NUWEdMdmRkTGY2RTFFUkVHWllsaHlnU24wQW9jclhhSXkyQWdFN25WNWNBT3F0cTdDTHdlY21qOWFPRHRmTmlZUjgxZ0pteF9IemxxbkxZQkRnU0NlZUJ0RzJNT2tfdkw3czRFd2tVQ1pUanNSZ0VVWE56bkZBZkpLa1RsUndyaERnaVV0TzF0YUd6dDlTVGRidkwtcFJZbGZ5U2c?oc=5) · GMToday.com
- 2014-12-16 [A Family Tradition - theind.com](https://news.google.com/rss/articles/CBMiSkFVX3lxTE02Z3Q4SkN5cU4tSlBfNzI4NDJBaWFDVlUwUzlTUVd2NGpTYjNYanFOZFFvOEZlX3ZONUIzVUUzT2k3ZFNkRTViQmVn?oc=5) · theind.com
- 2020-09-23 [Alexandria-based Red River Bank Expands To River Ranch In Lafayette, LA - Developing Lafayette -](https://news.google.com/rss/articles/CBMiqgFBVV95cUxNSUNTVk90SGUzYl95LUdIVE9RY1B5Y1R5WWVLMjRUQTR3ODlfLVRZejhBNXBFSWVqQTdfYXZMQjM0QjRjaDY5OEQ2d2FoQzFRa1JHTHhiS0tWcEpGSXhFNzdmeks1OHpfOHJYRlR3V3daanpRWFcwRm0zQzRQdEt3VkllamFIQ0cxZ3pXMDk5cmI0NS02Y2gzSUVsZTJJYkNwWTZMdW9XSThzZw?oc=5) · Developing Lafayette -
- 2024-02-28 [Google Wallet grows with 42 new supported banks in the US - Android Police](https://news.google.com/rss/articles/CBMikwFBVV95cUxQdTExb0swWkFSZ0xMRGU1OElrTVI2TFRrT1RUaFFkMTJtR0pIM0VmVGJXQ2hYbVZ5dEFwTjhZLU1Jbk9nT21iYmZmWVZFdWtMQTdGcXBOQVl6b3R6SWVmTDBaWGlWWVRCZXN4bmpOeVZ2cS01bTRYeFF6Yi14Tm40MDVCRkR3WXNLUnBKbXY1MzVpeWc?oc=5) · Android Police

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=9326 (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/46.json (key "9326", 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