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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Blair, NE · FDIC certificate #12241
WASHINGTON COUNTY BANK is an FDIC-insured institution based in Blair, NE (FDIC certificate #12241). In its Q3 2026 Call Report it reported total assets of $676M, total deposits of $575M and net loans of $509M. Its primary federal regulator is FDIC.
Plain-language readout
WASHINGTON COUNTY BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $676M in Q3 2026 and were lowest at $662M in Q2 2026.
Total deposits were highest at $575M in Q3 2026 and lowest at $558M in Q1 2026.
Over the whole period total assets rose 2.0%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $676M | $575M | $509M | 1.82% | 14.82% | 4.36% |
| Q2 2026 | $662M | $559M | $496M | 1.80% | 14.66% | 4.38% |
| Q1 2026 | $663M | $558M | $504M | 1.78% | 14.63% | 4.54% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $63.2M | $51.2M | +$12.1M | +23.6% |
| Federal funds sold | $0K | $0K | $0K | n/a |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $73.2M | $78.0M | -$4.9M | -6.2% |
| Equity securities with readily determinable fair values, not held for trading | $18K | $13K | +$5K | +38.5% |
| Loans and leases held for sale | $864K | $150K | +$714K | +476.0% |
| Net loans and leases (after allowance) | $494.9M | $503.9M | -$9.0M | -1.8% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $5.4M | $5.4M | -$70K | -1.3% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $970K | $1.0M | -$35K | -3.5% |
| All other assets | $23.8M | $23.1M | +$651K | +2.8% |
| Total assets | $662.3M | $662.8M | -$559K | -0.1% |
| Liabilities | ||||
| Total deposits | $558.8M | $558.1M | +$775K | +0.1% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $18.2M | $22.0M | -$3.9M | -17.5% |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $0K | $0K | $0K | n/a |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $3.2M | $3.0M | +$144K | +4.8% |
| Total liabilities | $580.2M | $583.1M | -$2.9M | -0.5% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $1.9M | $1.9M | $0K | 0.0% |
| Surplus | $3.5M | $3.5M | $0K | 0.0% |
| Retained earnings | $81.9M | $79.5M | +$2.4M | +3.0% |
| Accumulated other comprehensive income | -$5.2M | -$5.2M | -$33K | -0.6% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $82.1M | $79.7M | +$2.4M | +3.0% |
| Credit and capital | ||||
| Gross nonperforming assets | $1.7M | $1.9M | -$167K | -8.9% |
| Adjusted nonperforming assets | $1.0M | $1.1M | -$138K | -12.1% |
| Tangible equity plus allowance | $87.0M | $84.6M | +$2.4M | +2.8% |
| Texas ratio (gross) | 1.96% | 2.21% | -0.25 pts | See points |
| Texas ratio (adjusted) | 1.15% | 1.34% | -0.20 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 1.15% | 1.34% | -0.20 pts | See points |
| Tier 1 capital to risk-weighted assets | 16.52% | 15.60% | +0.92 pts | See points |
| Common equity Tier 1 to risk-weighted assets | 16.52% | 15.60% | +0.92 pts | See points |
| Tier 2 capital to risk-weighted assets | 1.13% | 1.11% | +0.02 pts | See points |
| Total risk-based capital to risk-weighted assets | 17.65% | 16.71% | +0.94 pts | See points |
| Tier 1 leverage (approximate) | 12.79% | 12.73% | +0.07 pts | See points |
| Construction and land loans to total capital | 20.13% | 20.61% | -0.48 pts | See points |
| Commercial real estate to total capital | 83.03% | 83.95% | -0.92 pts | See points |
| Dividend payout, year to date | 19.06% | 19.37% | -0.31 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -7.83% | -8.03% | +0.20 pts | See points |
| Liquidity | ||||
| Core deposits | $488.2M | $490.7M | -$2.4M | -0.5% |
| Non-core funding | $88.8M | $89.4M | -$655K | -0.7% |
| Loans to core deposits | 102.56% | 103.90% | -1.34 pts | See points |
| Loans to deposits | 89.60% | 91.35% | -1.75 pts | See points |
| Brokered deposits share of deposits | 1.80% | 1.83% | -0.03 pts | See points |
| Pledged securities share of securities | 99.27% | 99.39% | -0.12 pts | See points |
| Loans pledged, share of loans | 25.53% | 27.16% | -1.63 pts | See points |
| Volatile liabilities | $88.8M | $89.4M | -$655K | -0.7% |
| Earnings | ||||
| Earnings before provision, year to date | $7.6M | $3.8M | +$3.8M | +99.4% |
| Earnings before provision, single quarter | $3.8M | $3.8M | -$22K | -0.6% |
| Provision for credit losses, year to date | $245K | $185K | +$60K | +32.4% |
| Yield and cost | ||||
| Yield on loans and leases | 6.21% | 6.44% | -0.23 pts | See points |
| Yield on interest-bearing balances due from banks | 3.67% | 3.58% | +0.09 pts | See points |
| Total interest income to average assets | 5.23% | 5.44% | -0.21 pts | See points |
| Cost of interest-bearing transaction accounts | 0.10% | 0.10% | +0.00 pts | See points |
| Cost of savings and money market deposits | 1.85% | 1.87% | -0.02 pts | See points |
| Cost of time deposits | 3.21% | 3.02% | +0.19 pts | See points |
| Total interest expense to average assets | 1.36% | 1.27% | +0.09 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $676M | $575M | $509M | 1.82% | 14.82% | 4.36% |
| 2026-06-30 | $662M | $559M | $496M | 1.80% | 14.66% | 4.38% |
| 2026-03-31 | $663M | $558M | $504M | 1.78% | 14.63% | 4.54% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| NE | $513.4M | 0.56% | 33 | Continuing · +0.03 pp |
| IA | $11.8M | 0.01% | 264 | Continuing · +0.00 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.