Headquartered in Washington, Missouri, Bank of Washington is a state-chartered bank with $1.1B in total assets and $887.8M in deposits as of Q2 2026. It operates 7 offices. Its charter dates back to 1877.
Based on its Q2 2026 filing, Bank of Washington scores 44/100, which we describe as below average. That is higher than only 4% of 897 banks with $1 billion – $10 billion. Among 194 banks headquartered in Missouri, it ranks 190th. Its strongest component is capital cushion (75/100; 12.47%), and its lowest is loan quality (0/100; 3.50%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
The score has been essentially flat from Q2 2025 to Q2 2026 (43 → 44).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 63 |
| Q3 2024 | 63 |
| Q4 2024 | 54 |
| Q1 2025 | 53 |
| Q2 2025 | 43 |
| Q3 2025 | 49 |
| Q4 2025 | 57 |
| Q1 2026 | 37 |
| Q2 2026 | 44 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 12.55% |
| Q3 2024 | 12.60% |
| Q4 2024 | 12.21% |
| Q1 2025 | 12.10% |
| Q2 2025 | 12.08% |
| Q3 2025 | 12.39% |
| Q4 2025 | 12.52% |
| Q1 2026 | 12.19% |
| Q2 2026 | 12.47% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 1.98% |
| Q3 2024 | 1.95% |
| Q4 2024 | 2.41% |
| Q1 2025 | 2.33% |
| Q2 2025 | 2.60% |
| Q3 2025 | 2.43% |
| Q4 2025 | 1.76% |
| Q1 2026 | 3.72% |
| Q2 2026 | 3.50% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.96% |
| Q3 2024 | 1.92% |
| Q4 2024 | 1.51% |
| Q1 2025 | 1.37% |
| Q2 2025 | 0.45% |
| Q3 2025 | 0.81% |
| Q4 2025 | 1.11% |
| Q1 2026 | 0.22% |
| Q2 2026 | 0.86% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 44 | $1.1B | 12.47% | 3.50% | 0.86% | 113.7% |
| Q1 2026 | 37 | $1.2B | 12.19% | 3.72% | 0.22% | 114.9% |
| Q4 2025 | 57 | $1.2B | 12.52% | 1.76% | 1.11% | 113.7% |
| Q3 2025 | 49 | $1.1B | 12.39% | 2.43% | 0.81% | 108.4% |
| Q2 2025 | 43 | $1.1B | 12.08% | 2.60% | 0.45% | 109.6% |
| Q1 2025 | 53 | $1.2B | 12.10% | 2.33% | 1.37% | 115.3% |
| Q4 2024 | 54 | $1.2B | 12.21% | 2.41% | 1.51% | 112.8% |
| Q3 2024 | 63 | $1.1B | 12.60% | 1.95% | 1.92% | 114.8% |
| Q2 2024 | 63 | $1.1B | 12.55% | 1.98% | 1.96% | 111.7% |
897 peers · $1 billion – $10 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Missouri
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Mid America BankBank Jefferson City, MO | 70 out of 100, Strong | $1.2B | 10.8% | 0.89% | vs |
| Montgomery BankBank Sikeston, MO | 70 out of 100, Strong | $1.2B | 9.7% | 0.44% | vs |
| St. Louis BankBank Saint Louis, MO | 38 out of 100, Low | $1.1B | 8.8% | 2.87% | vs |
| Triad BankBank Frontenac, MO | 68 out of 100, Moderate | $1.1B | 10.7% | 0.21% | vs |
| Southwest Missouri BankBank Carthage, MO | 68 out of 100, Moderate | $1.2B | 8.7% | 0.25% | vs |
| Parkside Financial Bank & TrustBank Clayton, MO | 77 out of 100, Strong | $1.1B | 13.0% | 0.00% | vs |
Deposit insurance
Is my money safe at Bank of Washington?
Yes. Bank of Washington is an FDIC-insured institution (FDIC certificate #12627). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 24.0% of deposits ($213.5M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 12.47%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
7 locations
Branches
Bank of Washington lists 7 offices in 4 cities. Most locations:
- Washington, MO (4)
- Clayton, MO (1)
- Gray Summit, MO (1)
- Villa Ridge, MO (1)
HMDA 2025
Mortgage lending
In 2025, Bank of Washington reported 215 home-loan applications under HMDA (LEI 54930044G6TGPFFTFM49): 157 originated ($44,225,000 total), 10 denied, and 42 withdrawn or closed by the applicant. Its denial rate on decided applications was 5.8%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Bank of Washington
- Type
- State-chartered bank
- FDIC certificate #
- 12627
- RSSD ID
- 565750
- Primary regulator
- FDIC
- Holding company
- Diamond Bcorp Inc
- Established
- October 29, 1877
- Headquarters
- 200 W Main St, Washington, MO 63090
- Website
- www.bankofwashington.com
- Employees
- 138
Quick answers
Bank of Washington: common questions
Is Bank of Washington FDIC insured?
Yes. Bank of Washington is an FDIC-insured institution (FDIC certificate #12627). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Bank of Washington's TellerScore?
44 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Bank of Washington ever failed?
There is no failure record for FDIC certificate #12627 in the FDIC failed bank list.
How many branches does Bank of Washington have?
7 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Washington
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Lindell Bank & Trust CompanyBank St. Louis, MO | 92 out of 100, Very strong | $915.2M | 18.0% | 0.58% | vs |
| Legends BankBank Linn, MO | 90 out of 100, Very strong | $635.5M | 18.3% | 0.51% | vs |
| The Missouri BankBank Warrenton, MO | 88 out of 100, Very strong | $461.5M | 12.6% | 0.13% | vs |
| First State Bank of St. Charles, MissouriBank St. Charles, MO | 85 out of 100, Very strong | $535.2M | 15.6% | 0.40% | vs |
| Farmers and Merchants Bank of St. ClairBank Saint Clair, MO | 84 out of 100, Strong | $343.5M | 12.8% | 0.00% | vs |
| The Bank of HoustonBank Houston, MO | 82 out of 100, Strong | $67.4M | 14.1% | 0.16% | vs |