🏦Bank Scorer

WASHINGTON FINANCIAL BANK

WASHINGTON, PA · Supervised by FDIC

Est. 1899FDIC #29,520RSSD: FDIC-29520
Part ofWFSB MUTUAL HOLDING CO→ View all charters
Satisfactory Same

Current rating · Exam: April 2023

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Consumer Complaints (12 mo)

1

0.69 per $B assets · filed with CFPB

Financial Health

Adequate

ROA 1.09%

Institution Profile

FDIC BankFind

Address

77 S Main St, WASHINGTON, PA

County

Washington County

Established

January 1, 1899

Total Assets

$1.5B(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

April 1, 2023

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Apr 2027(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$1.5B

Total Deposits

$1.2B

Net Loans

$1.1B

Net Income

$4M

ROA

1.09%

ROE

7.93%

Risk-Based Capital

0.00%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

Compared to the peer-bank Community peer group (same asset tier).

Mortgage Denial Rate14.12%Peer avg: 9.91%▼ Below avg
Complaints / $B0.69Peer avg: 0.00▼ Below avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

10

Branch Deposits

$1.3B

1-Year Change

0

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202426272.14%14.12%
202345876.86%14.19%
202265682.01%8.08%
202164481.99%10.25%
202069777.04%8.32%
201949183.1%7.54%
201846884.4%9.83%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Consumer Complaints

CFPB · through Apr 2026

Last 12 Months

1

All Time

1

Monetary Relief

0%

Untimely Response

100%

Most common complaint type: Payday loan, title loan, personal loan, or advance loan· 0.69 per $B assets (12m)

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

4 previous ratings locked — dating back to 2011

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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