Total Assets
$87M
Total balance-sheet footings
FDIC Cert #4792 · Washington, Kansas · Est. 1883
FNB Washington - FDIC Bank Health Profile
A community-scale look at FNB Washington's own numbers, pulled straight from its quarterly FDIC Call Report.
- $87M
- Total assets
- A
- Health grade · Excellent
- 1.69%
- Return on assets
- 25.6%
- Tier 1 capital
Data updated July 2026
The verdict
FNB Washington earns a PlainBankData health grade of A (97/100), with well-capitalized at 25.61% Tier 1, profitable at 1.69% ROA, efficient (52% cost ratio).
- #3,844
- largest of 4,313 FDIC banks by assets
- 11th
- percentile by asset size, nationally
- 25.61%
- Tier 1 ratio - above the 10% well-capitalized line
- 82nd
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
How FNB Washington's 97/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
FNB Washington's composite health score
Tier 1 Capital Ratio (25.61%) 40/40
Return on Assets (ROA) (1.69%) 25/25
Texas Ratio (0.89%) 20/20
Efficiency Ratio (52.19%) 12/15
97 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$56M
Customer-funded liabilities
Net Loans
$41M
Outstanding loan book
Net Income
$1M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where FNB Washington ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. FNB Washington's score of 97/100 falls in the highlighted band.
FNB Washington's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). FNB Washington's $87M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
25.61% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
25.61%
Texas Ratio
0.89%
Equity Capital
$22M
Profitability metrics
Return on Assets (ROA)
82nd percentile nationally
1.69%
Return on Equity (ROE)
6.73%
Efficiency Ratio
52.19%
What the numbers say about FNB Washington
FNB Washington is an FDIC-insured institution (Certificate #4792) headquartered in Washington, Kansas, established in 1883. It holds $87M in total assets - 3,844th of 4,313 FDIC-insured banks, $56M in customer deposits, and $41M in net loans. Capital-wise, the Tier 1 ratio sits at 25.61%, clearing the federal 10% well-capitalized bar; the Texas Ratio reads 0.89%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of A (97 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
FNB Washington is a community-scale institution -- 145th of 188 FDIC-insured banks headquartered in Kansas by asset size. Its modest footprint doesn't diminish its role: community banks this size are typically the primary lender for small local businesses and agricultural borrowers that larger regional banks tend to underserve.
Income & expense breakdown
$4M
Interest Income
$153K
Non-Interest Income
$2M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. FNB Washington reports a Texas Ratio of 0.89% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.89% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Kansas by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) FNB Washington (FDIC Cert #4792) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Kansas
All Kansas banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Capitol Federal Savings BankTopeka | $9.8B | C | 0.76% |
| Intrust Bank, National AssociationWichita | $7.0B | B | 1.20% |
| Equity BankAndover | $6.3B | B | 0.55% |
| Security Bank of Kansas CityKansas City | $3.8B | A | 1.37% |
| Fidelity Bank, National AssociationWichita | $3.3B | B | 0.99% |
| Emprise BankWichita | $2.8B | B | 1.32% |
| KS StateBankManhattan | $2.6B | A | 1.69% |
| Community National Bank & TrustChanute | $2.5B | B | 0.96% |
Frequently asked questions
What is FNB Washington's health grade?▼
FNB Washington receives a health grade of A (97/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is FNB Washington?▼
FNB Washington holds $87M in total assets and $56M in deposits, ranking 3,844th of 4,313 FDIC-insured banks by asset size. It is headquartered in Washington, Kansas.
Is my money safe at FNB Washington?▼
Yes, deposits at FNB Washington (Certificate #4792) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is FNB Washington's Tier 1 Capital Ratio?▼
FNB Washington has a Tier 1 Capital Ratio of 25.61%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for FNB Washington?▼
FNB Washington has a Texas Ratio of 0.89%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is FNB Washington?▼
FNB Washington has an Efficiency Ratio of 52.19%. Under the 60% mark counts as efficient, more of every revenue dollar reaches the bottom line. This metric compares non-interest expenses to total revenue.
What to do with this
How to read FNB Washington's profile as a depositor or analyst.
- FNB Washington's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare FNB Washington against other Kansas banks before moving funds. Kansas banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.