Washington Savings Bank

BankEffingham, Illinois
www.washingtonsavings.net

Total Assets

$586.2M

Total Deposits

$501.7M

Branches

4

Established

1883

TFS Health Grade

$
C-

72.0 / 100

Average financial health

How we grade

Washington Savings Bank is a bank headquartered in Effingham, Illinois, established in 1883. With $586.2M in total assets and 4 branch locations, it has a TFS Financial Health Grade of C- (72.0/100).

Capital & Safety

Tier 1 Capital Ratio
11.84%(8%)
Total Capital Ratio
20.11%(10%)
Non-Performing Loan Ratio
0.49%

Profitability

Return on Assets (ROA)
0.31%(1%)
Return on Equity (ROE)
2.88%(10%)
Net Interest Margin
2.48%
Efficiency Ratio
81.22%(60%)

Lending & Liquidity

Total Loans
$343.7M
Loan-to-Deposit Ratio
67.81%
Net Charge-Off Ratio
0.01%

Growth

Asset Growth (YoY)
+3.41%
Deposit Growth (YoY)
+2.29%
Net Income
$1.8M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

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