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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