Total Assets
$763M
Total balance-sheet footings
FDIC Cert #13305 · New Washington, Indiana · Est. 1908
The New Washington State Bank - FDIC Bank Health Profile
A community-scale look at The New Washington State Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $763M
- Total assets
- C
- Health grade · Fair
- 0.65%
- Return on assets
- 9.7%
- Tier 1 capital
Data updated July 2026
The verdict
The New Washington State Bank earns a PlainBankData health grade of C (52/100), with 9.68% Tier 1 capital, 0.65% ROA, 75% efficiency ratio.
- #1,304
- largest of 4,313 FDIC banks by assets
- 70th
- percentile by asset size, nationally
- 9.68%
- Tier 1 ratio - below the 10% well-capitalized line
- 22nd
- percentile for profitability (ROA), nationally
The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.
How The New Washington State Bank's 52/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
The New Washington State Bank's composite health score
Tier 1 Capital Ratio (9.68%) 18/40
Return on Assets (ROA) (0.65%) 14/25
Texas Ratio (5.25%) 16/20
Efficiency Ratio (75.02%) 4/15
52 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$683M
Customer-funded liabilities
Net Loans
$496M
Outstanding loan book
Net Income
$4M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where The New Washington State Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. The New Washington State Bank's score of 52/100 falls in the highlighted band.
The New Washington State Bank'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). The New Washington State Bank's $763M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
9.68% of risk-weighted assets - below the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
9.68%
Texas Ratio
5.25%
Equity Capital
$71M
Profitability metrics
Return on Assets (ROA)
22nd percentile nationally
0.65%
Return on Equity (ROE)
7.91%
Efficiency Ratio
75.02%
What the numbers say about The New Washington State Bank
The New Washington State Bank is an FDIC-insured institution (Certificate #13305) headquartered in New Washington, Indiana, established in 1908. It holds $763M in total assets - 1,304th of 4,313 FDIC-insured banks, $683M in customer deposits, and $496M in net loans. Its capital position: a Tier 1 ratio of 9.68%, missing the 10% federal well-capitalized bar, alongside a Texas Ratio of 5.25% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of C (52 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
The New Washington State Bank sits 29th of 90 banks headquartered in Indiana by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$33M
Interest Income
$3M
Non-Interest Income
$19M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. The New Washington State Bank reports a Texas Ratio of 5.25% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
5.25% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Indiana by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) The New Washington State Bank (FDIC Cert #13305) - 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 Indiana
All Indiana banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Old National BankEvansville | $71.8B | B | 1.16% |
| Merchants Bank of IndianaCarmel | $19.4B | A | 1.20% |
| First Merchants BankMuncie | $19.0B | A | 1.27% |
| Centier BankWhiting | $9.7B | A | 1.67% |
| 1st Source BankSouth Bend | $9.1B | A | 1.84% |
| German American BankJasper | $8.4B | A | 1.46% |
| Lake City BankWarsaw | $7.0B | A | 1.61% |
| Horizon BankMichigan City | $6.4B | C | -1.96% |
Frequently asked questions
What is The New Washington State Bank's health grade?▼
The New Washington State Bank receives a health grade of C (52/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank meets regulatory minimums but has some areas of financial weakness to monitor.
How large is The New Washington State Bank?▼
The New Washington State Bank holds $763M in total assets and $683M in deposits, ranking 1,304th of 4,313 FDIC-insured banks by asset size. It is headquartered in New Washington, Indiana.
Is my money safe at The New Washington State Bank?▼
Yes, deposits at The New Washington State Bank (Certificate #13305) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is The New Washington State Bank's Tier 1 Capital Ratio?▼
The New Washington State Bank has a Tier 1 Capital Ratio of 9.68%. Regulators set the "well-capitalized" bar at 10%; this bank still clears the lower 6% "adequately capitalized" minimum.
What is the Texas Ratio for The New Washington State Bank?▼
The New Washington State Bank has a Texas Ratio of 5.25%. 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 The New Washington State Bank?▼
The New Washington State Bank has an Efficiency Ratio of 75.02%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read The New Washington State Bank's profile as a depositor or analyst.
- The New Washington State Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare The New Washington State Bank against other Indiana banks before moving funds. Indiana 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.