FDIC Cert #12241 · Blair, Nebraska · Est. 1915

Washington County Bank - FDIC Bank Health Profile

A community-scale look at Washington County Bank's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$629M
Total assets
A
Health grade · Excellent
1.71%
Return on assets
15.1%
Tier 1 capital

Data updated July 2026

The verdict

Washington County Bank earns a PlainBankData health grade of A (100/100), with well-capitalized at 15.14% Tier 1, profitable at 1.71% ROA, efficient (49% cost ratio).

#1,517
largest of 4,313 FDIC banks by assets
65th
percentile by asset size, nationally
15.14%
Tier 1 ratio - above the 10% well-capitalized line
83rd
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.

FDIC Call Report plate

Cert 12241 · NE A · 100/100

GRADE-A · TOP-DECILE · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-STRONG · SIZE-MID · BOOK-FULL

  • GRADE-A A (100/100)
  • TOP-DECILE #59/4307
  • PHOTO-FINISH The Cowboy Bank of T… · TX
  • TIER1-WELL 15.1% Tier 1
  • TEXAS-CLEAN 2.6% Texas
  • ROA-STRONG 1.71% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Nebraska: The Cowboy Bank of Texas, TX (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Washington County Bank

Lowest and highest poles plus nearest scored peers outside Nebraska, not a full FDIC corpus board reprint.

First State Bank · KY · near100/100First Texas Bank · TX · near100/100Morgan Stanley Bank,… · UT ·…100/100The Buckholts State… · TX · …100/100The Cowboy Bank of T… · TX ·…100/100Washington County Bank · NE …100/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Washington County Bank · July 2026

What Washington County Bank's Call Report plate shows

Washington County Bank (FDIC Cert #12241) carries a PlainBankData health grade of A at 100/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #59 of 4,307. Tier 1 capital prints at 15.14%, clearing the 10% well-capitalized line. The Texas Ratio is 2.65%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.71%. Balance-sheet scale is $629M, 1,517th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is The Cowboy Bank of Texas (TX), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Washington County Bank

4 FAILURE resolutions in Nebraska since 2000 (4 since 2008)

Washington County Bank's home state sits in the middle band of post-2000 FAILURE counts (4; 4 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; Washington County Bank remains an active FDIC-insured reporter.

  • ERICSON STATE BANK ERICSON, NE 2020 → FARMERS AND MERCHANTS BANK
  • MID CITY BANK, INC. OMAHA, NE 2011 → PURDUM STATE BANK
  • TIERONE BANK LINCOLN, NE 2010 → GREAT WESTERN BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Nebraska banks.

How Washington County Bank's 100/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/100100/100
Washington County Bank's composite health score
Tier 1 Capital Ratio (15.14%) 40/40
Return on Assets (ROA) (1.71%) 25/25
Texas Ratio (2.65%) 20/20
Efficiency Ratio (49.14%) 15/15

100 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$629M

Total balance-sheet footings

Total Deposits

$518M

Customer-funded liabilities

Net Loans

$507M

Outstanding loan book

Net Income

$11M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% 18% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 13.74% 15.14% 16.54%
Basel III capital ratios - Washington County Bank

Where Washington County Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Washington County Bank's score of 100/100 falls in the highlighted band.

Washington County Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

100 Top 1% higher than 99% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). Below this entry. 90–100: 815 FDIC-insured banks (19%). This entry sits in this band. Washington County Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Washington County 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). Washington County Bank's $629M falls in the highlighted band.

Safety ratios for Washington County Bank

Tier 1 capital ratio
Well-capitalized 10%

15.14% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
15.14%
Texas Ratio
2.65%
Equity Capital
$78M

What these ratios mean →

Earnings posture at Washington County Bank

Return on Assets (ROA)
83rd percentile nationally
1.71%
Return on Equity (ROE)
14.70%
Efficiency Ratio
49.14%

What these mean →

Income & expense at Washington County Bank

$33M
Interest Income
$3M
Non-Interest Income
$14M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Washington County Bank reports a Texas Ratio of 2.65% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

2.65% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Washington County Bank on FDIC BankFind →

Top banks in Nebraska by total assets

Largest banks headquartered in Nebraska
  1. 1
    First National Bank of Omaha $34.6B

    Omaha, NE · Grade A

  2. 2
    Union Bank and Trust Company $9.1B

    Lincoln, NE · Grade A

  3. 3
    Pinnacle Bank $8.9B

    Lincoln, NE · Grade A

  4. 4
    American National Bank $5.2B

    Omaha, NE · Grade A

  5. 5
    Cornerstone Bank $2.8B

    York, NE · Grade B

Top 5 banks in Nebraska ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($629M here), outside Nebraska so the neighborhood is not state containment.

Community Bank of Pickens County $630M · GA Crown Bank $629M · NJ American Bank $629M · MT Four Corners Community Bank $630M · NM

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Washington County Bank (FDIC Cert #12241) - 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.

Washington County Bank Call Report profile · FDIC Failed Bank List · Nebraska FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Nebraska

All Nebraska banks →
BankAssetsGradeROA
First National Bank of OmahaOmaha $34.6B A 1.51%
Union Bank and Trust CompanyLincoln $9.1B A 1.60%
Pinnacle BankLincoln $8.9B A 1.26%
American National BankOmaha $5.2B A 1.32%
Cornerstone BankYork $2.8B B 1.11%
Security First BankLincoln $2.2B B 0.90%
Five Points BankGrand Island $2.1B A 1.47%
Security National Bank of OmahaOmaha $1.7B A 1.28%