PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

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

7.17%Q2 ’247.00%Q2 ’256.37%Q2 ’26+15%-6%

Non-interest income vs. expense

2.25%Q2 ’243.60%Q2 ’253.68%Q2 ’26+64%+5%

Executive Summary

  • Earnings: ROA of 0.32%, down 38 bps year over year; NIM at 4.16%.
  • 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 (quarter, annualized)

0.32%-38 bps YoY

Net Interest Margin (quarter, annualized)

4.16%-26 bps YoY

Efficiency Ratio (quarter, annualized)

87.18%+867 bps YoY

Tier 1 Leverage Ratio

14.60%+41 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.70%0.35%-2.16%-0.02%0.32%-38 bps
Return on Equity4.81%2.46%-14.73%-0.12%2.19%-262 bps
Net Interest Margin4.42%4.15%4.13%4.10%4.16%-26 bps
Efficiency Ratio78.50%85.50%147.19%97.20%87.18%+867 bps
Non-Interest Burden3.43%3.57%6.12%3.97%3.61%+19 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%0.07%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