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Washita State Bank

Burns Flat, OK · Cert 22430

State charter, non-member · FDIC · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in OK3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in OK (n=88 to 89). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

71

Q2 2024Q2 2026peer median (50)

Asset Quality

57

Q2 2024Q2 2026peer median (50)

Profitability

26

Q2 2024Q2 2026peer median (50)

Liquidity

36

Q2 2024Q2 2026peer median

Efficiency

11

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Washita State Bank

Burns Flat, OK · Cert 22430

State charter, non-member · FDIC · 1 branch

Q2 2026

$44.3MAssets
$30.2MLoans
$35.7MDeposits
$6.5MEquity
Loan mix
66%RE $16.3M29%C&I $7.3M5%Consumer $1.3MQ2 2025Q2 2026
Deposit mix
84%Interest-bearing $29.9M16%Noninterest $5.8MQ2 2025Q2 2026

NIM

7.03%Q2 ’246.71%Q2 ’256.37%Q2 ’26+11%-4%

Non-interest income vs. expense

2.21%Q2 ’243.42%Q2 ’253.87%Q2 ’26+59%+16%

Executive Summary

  • Earnings: ROA of 0.15%, down 57 bps year over year; NIM at 4.12%.
  • Asset quality: problem loans at 3.34% of loans (-166 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 14.60%, up 41 bps from a year ago.
  • Funding: loans stand at 84.69% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.15%-57 bps YoY

Net Interest Margin (YTD, annualized)

4.12%-15 bps YoY

Efficiency Ratio (YTD, annualized)

92.18%+1,483 bps YoY

Tier 1 Leverage Ratio

14.60%+41 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.73%0.60%0.02%-0.02%0.15%-57 bps
Return on Equity4.90%4.08%0.17%-0.12%1.05%-385 bps
Net Interest Margin4.27%4.20%4.31%4.10%4.12%-15 bps
Efficiency Ratio77.35%79.89%96.22%97.20%92.18%+1,483 bps
Non-Interest Burden3.26%3.34%4.14%3.97%3.78%+52 bps
Growth
Asset Growth (YoY)-10.96%5.45%4.33%1.85%-6.47%+450 bps
Loan Growth (YoY)19.92%12.06%6.32%-6.36%-2.53%-2,244 bps
Deposit Growth (YoY)-16.94%1.03%-0.21%-2.99%-7.36%+958 bps
Asset Quality
Nonperforming Loans / Loans4.99%3.96%0.89%0.92%3.34%-166 bps
Net Charge-Offs / Loans0.00%0.00%0.02%0.00%0.00%0 bps
Allowance / Loans1.35%1.46%1.44%1.60%1.53%+18 bps
Allowance Coverage of NPLs0.3x0.4x1.6x1.7x0.5x+0.2x
Capital
Tier 1 Leverage Ratio14.19%14.16%14.19%14.60%14.60%+41 bps
Total Risk-Based Capital14.19%14.16%14.19%14.60%14.60%+41 bps
Equity / Assets13.94%14.45%14.83%14.65%14.63%+69 bps
Liquidity & Funding
Loans / Deposits80.49%78.79%85.75%79.50%84.69%+420 bps
Liquid Assets / Assets13.51%15.54%8.70%15.47%12.03%-147 bps
CRE / Total Capitaln/a128.52%108.98%87.86%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Washita State Bank

Burns Flat, OK · Cert 22430 · Peer group: banks under $1B in assets in OK (n=88-89)

State charter, non-member · FDIC · 1 branch

Q2 2026

$44.3MAssets
$30.2MLoans
$35.7MDeposits
$6.5MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in OK (rank 15 of 88).
  • Widest gap: return on equity trails 91% of banks under $1B in assets in OK (rank 81 of 89).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

0.15%

Rank 81 of 89

Net Interest Margin

4.12%

Rank 35 of 89

Efficiency Ratio

92.18%

Rank 80 of 89

Equity / Assets

14.63%

Rank 17 of 89

Non-interest income vs. expense

$0.0M$1.7MINCOMEEXPENSE
Unfavorable gap of $1.7M · efficiency ratio beats 11% of banks under $1B in assets in OK
Bank 92.18%Peer median 61.0%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.15%0.85%1.26%1.60%Beats 9%81 / 89
Return on Equity1.04%7.40%11.89%14.65%Beats 9%81 / 89
Net Interest Margin4.12%3.46%3.93%4.45%Beats 61%35 / 89
Efficiency Ratio92.18%54.70%60.95%71.14%Beats 11%80 / 89
Asset Quality
Nonperforming Loans / Loans3.34%0.30%0.82%2.25%Beats 14%77 / 88
Net Charge-Offs / Loans0.00%0.00%0.03%0.20%Beats 100%15 / 88
Capital
Tier 1 Capital Ratio14.60%10.89%13.00%16.33%Beats 67%29 / 89
Total Risk-Based Capital Ratio14.60%11.20%13.06%16.33%Beats 64%32 / 89
Equity / Assets14.63%9.26%10.94%13.52%Beats 81%17 / 89
Liquidity & Funding
Loans / Deposits84.69%61.51%72.27%84.01%78th pctl19 / 88
Loans / Assets68.26%52.51%63.15%71.27%63rd pctl33 / 89
Brokered Deposits / Depositsn/aNot reported for this institution