TellerScore

Headquartered in Washington, Pennsylvania, Washington Financial Bank is a si with $1.4B in total assets and $1.2B in deposits as of Q2 2026. It operates 10 offices. Its charter dates back to 1899.

Based on its Q2 2026 filing, Washington Financial Bank scores 81/100, which we describe as strong. That is higher than 91% of 897 banks with $1 billion – $10 billion. Among 110 banks headquartered in Pennsylvania, it ranks 15th. Its strongest component is capital cushion (97/100; 14.75%), and its lowest is funding & liquidity (51/100; 87% loans-to-deposits, 35% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion97/100
Tier 1 leverage ratio: 14.75%
Loan quality85/100
Noncurrent loans ÷ total loans: 0.46%
Earnings66/100
Return on assets (annualized): 1.15%
Funding & liquidity51/100
Loans ÷ deposits and uninsured-deposit share: 87.2% · 34.8% uninsured
Problem-loan coverage95/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 2.30%

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 8 points (73 → 81), mostly because the earnings component improved by 17 points.

TellerScore
687581Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202475
Q3 202472
Q4 202468
Q1 202573
Q2 202573
Q3 202572
Q4 202570
Q1 202677
Q2 202681
Tier 1 leverage ratio
5.00%9.87%14.75%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202412.81%
Q3 202412.82%
Q4 202412.96%
Q1 202513.77%
Q2 202513.94%
Q3 202513.98%
Q4 202513.72%
Q1 202614.53%
Q2 202614.75%
Noncurrent loans
0.05%0.42%0.79%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.05%
Q3 20240.06%
Q4 20240.59%
Q1 20250.79%
Q2 20250.73%
Q3 20250.72%
Q4 20250.62%
Q1 20260.78%
Q2 20260.46%
Return on assets
0.32%0.74%1.15%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.64%
Q3 20240.32%
Q4 20240.36%
Q1 20250.82%
Q2 20250.73%
Q3 20250.66%
Q4 20250.32%
Q1 20261.09%
Q2 20261.15%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202681$1.4B14.75%0.46%1.15%87.2%
Q1 202677$1.5B14.53%0.78%1.09%87.4%
Q4 202570$1.5B13.72%0.62%0.32%84.9%
Q3 202572$1.5B13.98%0.72%0.66%81.2%
Q2 202573$1.5B13.94%0.73%0.73%83.5%
Q1 202573$1.5B13.77%0.79%0.82%84.6%
Q4 202468$1.5B12.96%0.59%0.36%82.9%
Q3 202472$1.6B12.82%0.06%0.32%82.9%
Q2 202475$1.6B12.81%0.05%0.64%83.8%

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).

Capital ratio14.75%
93rd
Total risk-based capital0.00%
13th
Problem loans0.46%
55th
Net charge-offs0.57%
7th
Return on assets1.15%
42nd
Net interest margin3.63%
45th
Efficiency ratio60.3%
46th
Loans to deposits87.2%
50th
Uninsured deposits34.8%
39th
Loan-loss reserves0.91%
21st
Texas ratio2.3%
66th

Similar-size banks in Pennsylvania

InstitutionScoreAssetsCapitalProblem loansCompare
Marquette Savings BankBank Erie, PA73 out of 100, Strong$1.4B13.6%0.66%vs
Ameriserv Financial BankBank Johnstown, PA60 out of 100, Moderate$1.5B9.5%0.76%vs
1st Summit BankBank Johnstown, PA60 out of 100, Moderate$1.5B8.6%0.44%vs
First Keystone Community BankBank Berwick, PA50 out of 100, Below average$1.6B9.7%2.11%vs
Central Penn Bank & TrustBank Mifflinburg, PA67 out of 100, Moderate$1.3B9.0%0.80%vs
Community BankBank Carmichaels, PA66 out of 100, Moderate$1.7B9.9%0.29%vs

Deposit insurance

Is my money safe at Washington Financial Bank?

Yes. Washington Financial Bank is an FDIC-insured institution (FDIC certificate #29520). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 34.8% of deposits ($421.0M) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 14.75%, 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%).

Check how much of your own balance is covered

10 locations

Branches

Washington Financial Bank lists 10 offices in 7 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Washington Financial Bank reported 221 home-loan applications under HMDA (LEI 5493000M096YV1VLKD70): 182 originated ($60,850,000 total), 23 denied, and 12 withdrawn or closed by the applicant. Its denial rate on decided applications was 11.0%, 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 Financial Bank
Former names
Washington Federal Savings Bank; Washington Federal Savings and Loan Association
Type
SI
FDIC certificate #
29520
RSSD ID
282075
Primary regulator
FDIC
Holding company
Wfsb Mutual Holding Co
Established
January 1, 1899
Headquarters
77 S Main St, Washington, PA 15301
Employees
155

Quick answers

Washington Financial Bank: common questions

Is Washington Financial Bank FDIC insured?

Yes. Washington Financial Bank is an FDIC-insured institution (FDIC certificate #29520). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Washington Financial Bank's TellerScore?

81 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 Financial Bank ever failed?

There is no failure record for FDIC certificate #29520 in the FDIC failed bank list.

How many branches does Washington Financial Bank have?

10 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Washington

InstitutionScoreAssetsCapitalProblem loansCompare
I.B.E.W. - Local No. 5 Federal Credit UnionCredit union Pittsburgh, PA98 out of 100, Very strong$15.4M15.4%0.07%vs
First Choice America Community Federal Credit UnionCredit union Weirton, WV96 out of 100, Very strong$713.9M18.1%0.15%vs
Greater Pittsburgh Federal Credit UnionCredit union Pittsburgh, PA93 out of 100, Very strong$76.7M15.3%0.40%vs
United Community Federal Credit UnionCredit union West Mifflin, PA90 out of 100, Very strong$129.1M13.3%0.06%vs
Valley 1st Community Federal Credit UnionCredit union Monessen, PA89 out of 100, Very strong$106.9M23.1%0.75%vs
Alcose Credit UnionCredit union White Oak, PA89 out of 100, Very strong$16.1M16.4%0.03%vs