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
Unfavorable gap of $1.7M · efficiency ratio beats 11% of banks under $1B in assets in OK | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.15% | 0.85% | 1.26% | 1.60% | Beats 9% | 81 / 89 | |
| Return on Equity | 1.04% | 7.40% | 11.89% | 14.65% | Beats 9% | 81 / 89 | |
| Net Interest Margin | 4.12% | 3.46% | 3.93% | 4.45% | Beats 61% | 35 / 89 | |
| Efficiency Ratio | 92.18% | 54.70% | 60.95% | 71.14% | Beats 11% | 80 / 89 | |
| Asset Quality |
| Nonperforming Loans / Loans | 3.34% | 0.30% | 0.82% | 2.25% | Beats 14% | 77 / 88 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.03% | 0.20% | Beats 100% | 15 / 88 | |
| Capital |
| Tier 1 Capital Ratio | 14.60% | 10.89% | 13.00% | 16.33% | Beats 67% | 29 / 89 | |
| Total Risk-Based Capital Ratio | 14.60% | 11.20% | 13.06% | 16.33% | Beats 64% | 32 / 89 | |
| Equity / Assets | 14.63% | 9.26% | 10.94% | 13.52% | Beats 81% | 17 / 89 | |
| Liquidity & Funding |
| Loans / Deposits | 84.69% | 61.51% | 72.27% | 84.01% | 78th pctl | 19 / 88 | |
| Loans / Assets | 68.26% | 52.51% | 63.15% | 71.27% | 63rd pctl | 33 / 89 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |