🏦Bank Scorer

WASHINGTON SAVINGS BANK

EFFINGHAM, IL · Supervised by FDIC

Est. 1883FDIC #29,227RSSD: FDIC-29227
Part ofWASHINGTON SAVINGS MHC→ View all charters
Satisfactory Same

Current rating · Exam: March 2024

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.71%

Institution Profile

FDIC BankFind

Address

200 S Banker St, EFFINGHAM, IL

County

Effingham County

Established

January 1, 1883

Total Assets

$605M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

March 1, 2024

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Mar 2028(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$605M

Total Deposits

$520M

Net Loans

$351M

Net Income

$1M

ROA

0.71%

ROE

6.39%

Risk-Based Capital

19.90%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Branch Footprint

FDIC SOD 2025

Total Branches

4

Branch Deposits

$505M

1-Year Change

-1

5-year net change: +1 branches

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

9 previous ratings locked — dating back to 1993

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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