TellerScore

Headquartered in Blair, Nebraska, Washington County Bank is a state-chartered bank with $662.3M in total assets and $558.8M in deposits as of Q2 2026. It operates 4 offices across 2 states. Its charter dates back to 1915.

Based on its Q2 2026 filing, Washington County Bank scores 83/100, which we describe as strong. That is higher than 84% of 2,650 banks with $100 million – $1 billion. Among 139 banks headquartered in Nebraska, it ranks 31st. Its strongest component is problem-loan coverage (96/100; 1.9%), and its lowest is funding & liquidity (63/100; 89% loans-to-deposits, 23% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion78/100
Tier 1 leverage ratio: 12.79%
Loan quality89/100
Noncurrent loans ÷ total loans: 0.34%
Earnings92/100
Return on assets (annualized): 1.80%
Funding & liquidity63/100
Loans ÷ deposits and uninsured-deposit share: 88.7% · 22.9% uninsured
Problem-loan coverage96/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 1.94%

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

From Q2 2025 to Q2 2026, the score rose 5 points (78 → 83), mostly because the earnings component improved by 9 points.

TellerScore
737883Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202473
Q3 202474
Q4 202476
Q1 202578
Q2 202578
Q3 202580
Q4 202580
Q1 202681
Q2 202683
Tier 1 leverage ratio
5.00%8.99%12.98%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202411.05%
Q3 202411.55%
Q4 202411.99%
Q1 202512.26%
Q2 202512.26%
Q3 202512.70%
Q4 202512.98%
Q1 202612.73%
Q2 202612.79%
Noncurrent loans
0.31%0.37%0.43%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.32%
Q3 20240.36%
Q4 20240.37%
Q1 20250.31%
Q2 20250.41%
Q3 20250.39%
Q4 20250.43%
Q1 20260.37%
Q2 20260.34%
Return on assets
1.30%1.55%1.80%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.30%
Q3 20241.38%
Q4 20241.45%
Q1 20251.46%
Q2 20251.57%
Q3 20251.64%
Q4 20251.71%
Q1 20261.78%
Q2 20261.80%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202683$662.3M12.79%0.34%1.80%88.7%
Q1 202681$662.8M12.73%0.37%1.78%90.3%
Q4 202580$629.3M12.98%0.43%1.71%98.0%
Q3 202580$624.0M12.70%0.39%1.64%94.9%
Q2 202578$615.4M12.26%0.41%1.57%92.6%
Q1 202578$602.5M12.26%0.31%1.46%93.3%
Q4 202476$611.6M11.99%0.37%1.45%95.7%
Q3 202474$603.2M11.55%0.36%1.38%94.1%
Q2 202473$599.3M11.05%0.32%1.30%97.4%

2,650 peers · $100 million – $1 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).

Capital ratio12.79%
73rd
Total risk-based capital17.65%
80th
Problem loans0.34%
54th
Net charge-offs0.16%
15th
Return on assets1.80%
80th
Net interest margin4.38%
74th
Efficiency ratio48.8%
85th
Loans to deposits88.7%
29th
Uninsured deposits22.9%
53rd
Loan-loss reserves1.17%
47th
Texas ratio1.9%
58th

Similar-size banks in Nebraska

InstitutionScoreAssetsCapitalProblem loansCompare
Bruning BankBank Bruning, NE74 out of 100, Strong$659.9M10.0%0.00%vs
Citizens State BankBank Wisner, NE72 out of 100, Strong$653.0M10.1%0.20%vs
Henderson State BankBank Henderson, NE72 out of 100, Strong$678.5M10.4%0.27%vs
Arbor BankBank Nebraska City, NE57 out of 100, Moderate$701.7M8.7%1.03%vs
Madison County BankBank Madison, NE85 out of 100, Very strong$613.2M15.1%0.37%vs
Heritage BankBank Wood River, NE86 out of 100, Very strong$611.6M23.0%1.18%vs

Deposit insurance

Is my money safe at Washington County Bank?

Yes. Washington County Bank is an FDIC-insured institution (FDIC certificate #12241). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 22.9% of deposits ($128.0M) are above the $250,000 FDIC insurance limit, close to the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 12.79%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 17.65% (benchmark: 10%).

Check how much of your own balance is covered

4 locations

Branches

Washington County Bank lists 4 offices in 4 cities across 2 states. Most locations:

  • Blair, NE (1)
  • Fort Calhoun, NE (1)
  • Missouri Valley, IA (1)
  • Tekamah, NE (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Washington County Bank reported 160 home-loan applications under HMDA (LEI 549300XZ04HOB5HTR562): 90 originated ($21,220,000 total), 17 denied, and 53 withdrawn or closed by the applicant. Its denial rate on decided applications was 15.9%, 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
Washington County Bank
Type
State-chartered bank
FDIC certificate #
12241
RSSD ID
1000052
Primary regulator
FDIC
Holding company
Blair Holdings Inc
Established
July 1, 1915
Headquarters
1523 Washington St, Blair, NE 68008
Employees
89

Quick answers

Washington County Bank: common questions

Is Washington County Bank FDIC insured?

Yes. Washington County Bank is an FDIC-insured institution (FDIC certificate #12241). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Washington County Bank's TellerScore?

83 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Washington County Bank ever failed?

There is no failure record for FDIC certificate #12241 in the FDIC failed bank list.

How many branches does Washington County Bank have?

4 offices as of the latest FDIC data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Blair

InstitutionScoreAssetsCapitalProblem loansCompare
American Interstate BankBank Elkhorn, NE93 out of 100, Very strong$132.0M20.1%0.00%vs
Greenwich Municipal Employees Federal Credit UnionCredit union Greenwich, CT89 out of 100, Very strong$32.6M14.5%0.87%vs
Omaha Federal Credit UnionCredit union Omaha, NE88 out of 100, Very strong$118.0M15.3%1.05%vs
First Northeast Bank of NebraskaBank Lyons, NE88 out of 100, Very strong$472.6M13.5%0.22%vs
Gallup Federal Credit UnionCredit union Omaha, NE84 out of 100, Strong$16.4M18.1%0.05%vs
Metro Credit UnionCredit union Omaha, NE81 out of 100, Strong$646.3M12.8%0.25%vs