Headquartered in Washington, Illinois, Washington State Bank is a state-chartered bank with $79.1M in total assets and $70.2M in deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1948.
Based on its Q2 2026 filing, Washington State Bank scores 61/100, which we describe as moderate. That is higher than only 19% of 546 banks with under $100 million in assets. Among 326 banks headquartered in Illinois, it ranks 248th. Its strongest component is problem-loan coverage (90/100; 4.8%), and its lowest is capital cushion (41/100; 9.10%).
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 (62 → 61).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 51 |
| Q3 2024 | 48 |
| Q4 2024 | 50 |
| Q1 2025 | 54 |
| Q2 2025 | 62 |
| Q3 2025 | 59 |
| Q4 2025 | 45 |
| Q1 2026 | 62 |
| Q2 2026 | 61 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.32% |
| Q3 2024 | 9.28% |
| Q4 2024 | 8.94% |
| Q1 2025 | 9.11% |
| Q2 2025 | 9.47% |
| Q3 2025 | 9.59% |
| Q4 2025 | 8.42% |
| Q1 2026 | 8.69% |
| Q2 2026 | 9.10% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 1.79% |
| Q3 2024 | 2.15% |
| Q4 2024 | 1.76% |
| Q1 2025 | 1.46% |
| Q2 2025 | 0.90% |
| Q3 2025 | 1.24% |
| Q4 2025 | 1.65% |
| Q1 2026 | 0.79% |
| Q2 2026 | 1.03% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.39% |
| Q3 2024 | 0.46% |
| Q4 2024 | 0.49% |
| Q1 2025 | 0.46% |
| Q2 2025 | 0.53% |
| Q3 2025 | 0.57% |
| Q4 2025 | -0.26% |
| Q1 2026 | 0.72% |
| Q2 2026 | 0.75% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 61 | $79.1M | 9.10% | 1.03% | 0.75% | 42.3% |
| Q1 2026 | 62 | $82.2M | 8.69% | 0.79% | 0.72% | 39.4% |
| Q4 2025 | 45 | $81.8M | 8.42% | 1.65% | -0.26% | 40.0% |
| Q3 2025 | 59 | $80.5M | 9.59% | 1.24% | 0.57% | 43.3% |
| Q2 2025 | 62 | $80.1M | 9.47% | 0.90% | 0.53% | 43.8% |
| Q1 2025 | 54 | $80.8M | 9.11% | 1.46% | 0.46% | 40.3% |
| Q4 2024 | 50 | $81.0M | 8.94% | 1.76% | 0.49% | 39.8% |
| Q3 2024 | 48 | $80.0M | 9.28% | 2.15% | 0.46% | 41.2% |
| Q2 2024 | 51 | $75.9M | 9.32% | 1.79% | 0.39% | 43.6% |
546 peers · Under $100 million in assets
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 Illinois
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Beardstown Savings s.b.Bank Beardstown, IL | 64 out of 100, Moderate | $79.5M | 10.5% | 1.15% | vs |
| First State Bank of OlmstedBank Olmsted, IL | 64 out of 100, Moderate | $78.4M | 12.6% | 2.09% | vs |
| The First National Bank of AvaBank Ava, IL | 84 out of 100, Strong | $78.3M | 12.8% | 0.07% | vs |
| Kinmundy BankBank Kinmundy, IL | 85 out of 100, Very strong | $80.1M | 13.0% | 0.67% | vs |
| Marseilles BankBank Marseilles, IL | 56 out of 100, Moderate | $77.6M | 8.3% | 1.02% | vs |
| The Atlanta National BankBank Atlanta, IL | 69 out of 100, Moderate | $81.3M | 11.6% | 1.00% | vs |
Deposit insurance
Is my money safe at Washington State Bank?
Yes. Washington State Bank is an FDIC-insured institution (FDIC certificate #16667). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 25.6% of deposits ($18.0M) are above the $250,000 FDIC insurance limit, above the peer median of 16%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 9.10%, 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%).
1 location
Branches
Washington State Bank lists 1 office in 1 city. Most locations:
- Washington, IL (1)
Identity & history
Profile
- Legal name
- Washington State Bank
- Type
- State-chartered bank
- FDIC certificate #
- 16667
- RSSD ID
- 480246
- Primary regulator
- FDIC
- Holding company
- R&b Management Corp
- Established
- January 17, 1948
- Headquarters
- 1110 Peoria St, Washington, IL 61571
- Website
- www.washingtonstatebank.com
- Employees
- 8
Quick answers
Washington State Bank: common questions
Is Washington State Bank FDIC insured?
Yes. Washington State Bank is an FDIC-insured institution (FDIC certificate #16667). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Washington State Bank's TellerScore?
61 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Washington State Bank ever failed?
There is no failure record for FDIC certificate #16667 in the FDIC failed bank list.
How many branches does Washington State Bank have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Washington
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Peoria Fire Fighters Credit UnionCredit union Peoria, IL | 87 out of 100, Very strong | $4.6M | 28.2% | 0.00% | vs |
| Peoria Hiway Credit UnionCredit union Peoria, IL | 85 out of 100, Very strong | $6.6M | 13.7% | 0.14% | vs |
| Heartland Bank and Trust CompanyBank Bloomington, IL | 80 out of 100, Strong | $6.7B | 11.9% | 0.19% | vs |
| Peoria City Employees Credit UnionCredit union Peoria, IL | 79 out of 100, Strong | $6.4M | 21.2% | 1.66% | vs |
| Commerce BankBank Kansas City, MO | 76 out of 100, Strong | $35.0B | 11.4% | 0.17% | vs |
| Cooperative Choice NetworkCredit union Peoria, IL | 76 out of 100, Strong | $205.9M | 12.7% | 0.37% | vs |