At a glance
From its website, read 2 Nov 2026Washington State Bank is a bank or thrift based in Washington, Louisiana. Its website describes auto loans, commercial real estate loans, equipment loans and 4 other loan types.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Toll-free | (888) 885-9869 source |
|---|---|
| Website | www.wsbankla.com |
| Office (official list) | P.O. Box 129, Washington, LA 70589 |
Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Bank or thrift |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 16 Oct 2026 |
| RSSD ID | 311939 |
| Address | P.O. Box 129, Washington, LA 70589 Directions to the main office (Google Maps) |
| Website | www.wsbankla.com |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Verified from lender site on 2 Nov 2026Read from 6 pages of the lender's website on 2 Nov 2026. Quotes are verbatim. Extracted with AI help from the pages listed below and checked automatically against them. Not reviewed by a person. Confidence: medium. The fetched pages list loan product names but state no loan amounts, service area, borrower focus or online loan application. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Auto / vehicle loans | — | If you're interested in buying a new car, Washington State Bank can assist you with the financing. Apply for an auto loan today. | source |
| Commercial real estate loans | — | Real Estate Term Loans | source |
| Equipment loans | — | Equipment Loans | source |
| Home repair / improvement loans | — | Home Improvement Loans | source |
| Home mortgages | — | If you are in the market to buy a new home or refinance your existing home, we offer mortgage loans with fixed rates for shorter terms and variable rates | source |
| Personal / consumer loans | — | We can customize loans to meets your needs. | source |
| Small-business loans | — | We can customize a commercial loan that meets your needs. | source |
Loan sizes
No amounts stated on the pages we read.
Service area
Not stated on the pages we read.
Borrower focus
- Not stated on the pages we read.
Languages
- No non-English service found on the pages we read.
Online application
No online application link found on the pages we read.
Questions to ask when you contact them
Based on what their website said when we read it on 2 Nov 2026, and what it left out. Something missing here does not mean they don't offer it: ask.
- Do you lend where I live, or where my business is?
Their website does not say which area they serve. - What are the smallest and the largest loans you make?
No loan amounts are stated on their website. - What is the APR, including fees, on your auto loans and home repair loans?
Their website does not state an APR. The APR includes fees, so it is the number to compare. - What interest rate and fees should I expect on your commercial real estate loans and equipment loans?
Their website does not state a rate for this. - Is there a minimum credit score, and do you consider borrowers with little or no credit history?
Their website does not say what credit history they accept. - Do you need collateral, a business plan or a minimum time in business?
Their website does not say what they require. - What documents will you need from me, and how long does a decision usually take?
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
CDFI Fund awards
CDFI Fund database, 3 Nov 2026$3.2 million in 3 awards from the U.S. Treasury's CDFI Fund, 2022–2024 (Bank Enterprise Award Program; CDFI Equitable Recovery Program).
| Round year | Program | Amount |
|---|---|---|
| 2024 | Bank Enterprise Award Program | $280,369 |
| 2023 | Bank Enterprise Award Program | $437,350 |
| 2022 | CDFI Equitable Recovery Program | $2,478,839 |
These are awards and investments made to the institution itself to build its capital and capacity. They are not loans to borrowers, and an award does not mean the lender has money available for a particular loan today.
Source: CDFI Fund Searchable Awards Database, all 12,628 award records (1996–2025), read 3 Nov 2026. Years are the award round as the database lists it. Matched to the official CDFI list by exact name and state; see the method on the About page.
Branches and size
FDIC, 30 Jun 2026On file with the FDIC as Washington State Bank (FDIC cert 9326). Source: FDIC BankFind Suite (public data): total assets from the Call Report as of 30 Jun 2026; office list as of 30 Oct 2026, downloaded 3 Nov 2026.
| Total assets | $309.2 million (as of 30 Jun 2026) |
|---|---|
| Offices | 7 (as of 30 Oct 2026) |
Offices by state and county (7)
Louisiana (7 offices)
- Lafayette Parish (1): 1042 Camellia Blvd, Lafayette 70508
- St. Landry Parish (6): 103 North Main Street, Washington 70589 (main office); 238 Union St, Arnaudville 70512; 1020 W Laurel Ave, Eunice 70535; 3371 Oscar Rivette Street, Leonville 70551; 1810 S Union St, Opelousas 70570; 105 West Railroad, Palmetto 71358
An office shows where the lender has a branch, not where it lends or whom it lends to.
What the regulator filing shows
Call Report, 30 Jun 2026Figures from the Call Report filed by Washington State Bank (RSSD 311939, FDIC cert 9326). Source: FFIEC Central Data Repository, bulk Call Report data (public data), report date 30 Jun 2026; year-earlier figures from the 30 Jun 2025 report; downloaded 4 Nov 2026. Schedules RC-C Parts I and II, dollar amounts filed in thousands.
| Total loans and leases | $226.7 million (as of 30 Jun 2026, net of unearned income) |
|---|---|
| Change over the year | Down 1.7% from $230.7 million on 30 Jun 2025 |
| Total assets | $309.2 million (as of 30 Jun 2026) |
Loan mix (balances on 30 Jun 2026)
| Loan category | Balance | Share |
|---|---|---|
| Home mortgages (1-4 family, closed-end) | $72.1 million | 31.8% |
| Commercial real estate, construction and multifamily | $107.5 million | 47.4% |
| Commercial and industrial (business) loans | $10.8 million | 4.8% |
| Farmland and farm production loans | $20.6 million | 9.1% |
| Consumer loans (credit cards, auto, other) | $15 million | 6.6% |
| All other loans and leases | $623,000 | 0.3% |
None reported on the 30 Jun 2026 report: home equity lines of credit.
Within consumer loans: auto loans $1.2 million.
Small business loans (original amount $1 million or less, balances on 30 Jun 2026)
| Original loan amount | Secured by business property | Commercial and industrial |
|---|---|---|
| Up to $100,000 | 22 loans $968,000 | 83 loans $1.8 million |
| $100,001 to $250,000 | 21 loans $3.1 million | 21 loans $1.9 million |
| $250,001 to $1 million | 55 loans $20.8 million | 11 loans $2.6 million |
| All small business loans | 98 loans $24.8 million | 115 loans $6.3 million |
Small farm loans (original amount $500,000 or less, balances on 30 Jun 2026)
| Original loan amount | Secured by farmland | Farm production |
|---|---|---|
| Up to $100,000 | 9 loans $337,000 | 17 loans $458,000 |
| $100,001 to $250,000 | 7 loans $802,000 | 4 loans $184,000 |
| $250,001 to $500,000 | 6 loans $1.3 million | 1 loan $76,000 |
| All small farm loans | 22 loans $2.4 million | 22 loans $718,000 |
Balances are loans outstanding on the report date, not loans made during the year, and they include loans the bank bought. Shares are of gross loans and leases. The change over the year includes loans gained through mergers or bought from others. A category with no balance does not mean the bank never makes that kind of loan; ask the bank.
Home loans reported under HMDA (2025)
FFIEC HMDA data, 2025Washington State Bank reported 57 originated home loans for 2025 under the Home Mortgage Disclosure Act, totaling about $10M (median loan about $85,000). 35 were home-purchase loans.
By loan purpose
| Purpose | Loans | Share |
|---|---|---|
| Home purchase | 35 | 61% |
| Refinance (incl. cash-out) | 18 | 32% |
| Home improvement | 3 | 5.3% |
By loan type
| Loan type | Loans | Share |
|---|---|---|
| Conventional | 57 | 100% |
Included above: 13 loans on manufactured homes; 6 loans on multifamily (5+ unit) properties.
Where the loans were made
Counties with the most 2025 originations, out of 13 counties with at least one; 98% of its 2025 loans were for properties in Louisiana:
Filed under LEI 549300KNRT5UGNCSXM31 as “Washington State Bank”; matched by its RSSD ID on the CDFI Fund list, which the HMDA reporter panel links to this LEI.
Source: FFIEC Home Mortgage Disclosure Act (HMDA) data for 2025, snapshot frozen 2 Jun 2026, loan-level records read through the CFPB HMDA Data Browser API on 3 Nov 2026. Originated loans only; applications that were denied, withdrawn or not accepted are not counted. HMDA publishes each loan amount as the middle of a $10,000 band, so totals and medians are approximate. Counts under 3 are not shown. How we match lenders.
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Total assets (Call Report, 30 Jun 2026) | $309.2 million | Larger than 43% of the 72 other certified banks and bank holding companies in Louisiana (median $334.7 million). |
| Loans as a share of assets | 73% | Median of the same 72 banks and bank holding companies: 73%. A higher share means more of its balance sheet is lent out. |
| Loans held, 30 Jun 2025 → 30 Jun 2026 | $230.7 million → $226.7 million (-2%) | Median change of 72 other certified banks and bank holding companies in Louisiana: +4%. Rank by loans held among these 73: 37 → 35. |
| Home loans originated in 2025 (HMDA) | 57 | More than 27% of the 263 other certified CDFIs that reported 3 or more (120 at the median). Volume only; nothing here is an approval rate. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Call Report total assets | other certified banks and bank holding companies in Louisiana | 72 | larger than 43% |
| Loans held then vs now | certified banks and bank holding companies in Louisiana reporting both dates | 72 | rank 37 → 35 of 73 |
| HMDA home loans | certified CDFIs with 3+ originations in 2025, nationwide | 263 | more than 27% |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered. Peer groups and sources: methodology. Assets and loans: FFIEC and NCUA Call Reports (see the loan-mix section). Home loans: FFIEC/CFPB HMDA data.
Other certified CDFIs in Washington and Louisiana
- Washington State Bancshares, Inc.Bank holding company · Washington, LAOfficial list only
- 705 Federal Credit UnionCredit union · Lafayette, LAAuto / vehicle loans, Credit-builder loans, Microloans, Home mortgages…Verified
- American Bank & Trust CompanyBank or thrift · Opelousas, LAAgriculture / farm loans, Commercial real estate loans, Home mortgages, Personal / consumer loans…Verified
- Ascension Credit UnionCredit union · Gonzales, LAAuto / vehicle loans, Commercial real estate loans, Credit-builder loans, Equipment loans…Verified
- BASILE STATE BANKBank or thrift · Basile, LAAuto / vehicle loans, Home repair / improvement loans, Personal / consumer loansVerified
- BOM BankBank or thrift · Natchitoches, LAAuto / vehicle loans, Credit-builder loans, Home mortgages, Personal / consumer loans…Verified
Work at Washington State Bank? Link to this page
Paste this into your website to show you are listed. If anything here is wrong, tell us first (how).
Something wrong or out of date on this page? Use the contact page or email contact@cdfiatlas.com and name the page.
CDFI Atlas is not a lender and does not give financial advice. Inclusion is not an endorsement, and lenders have not reviewed or approved these pages. Disclaimer.