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Washita Valley Bank

Fort Cobb, OK · Cert 2308 · Fort Cobb Bancshares Inc.

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

49

Q2 2024Q2 2026peer median (50)

Asset Quality

3

Q2 2024Q2 2026peer median (50)

Profitability

42

Q2 2024Q2 2026peer median (50)

Liquidity

42

Q2 2024Q2 2026peer median

Efficiency

74

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 Valley Bank

Fort Cobb, OK · Cert 2308 · Fort Cobb Bancshares Inc.

State charter, non-member · FDIC · 1 branch

Q2 2026

$68.8MAssets
$30.5MLoans
$60.0MDeposits
$8.4MEquity
Loan mix
47%RE $8.4M22%C&I $4.0M31%Consumer $5.5MQ3 2024Q2 2026
Deposit mix
83%Interest-bearing $49.9M17%Noninterest $10.1MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.11%, up 42 bps year over year; NIM at 3.97%.
  • Asset quality: problem loans at 8.23% of loans (-444 bps YoY), with net charge-offs at 3.05%.
  • Capital: tier 1 leverage ratio of 12.27%, down 27 bps from a year ago.
  • Funding: loans stand at 50.84% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.11%+42 bps YoY

Net Interest Margin (YTD, annualized)

3.97%+61 bps YoY

Efficiency Ratio (YTD, annualized)

55.28%-1,619 bps YoY

Tier 1 Leverage Ratio

12.27%-27 bps YoY

NIM

5.10%Q2 ’244.81%Q2 ’255.32%Q2 ’26-10%+18%

Non-interest income vs. expense

2.57%Q2 ’242.71%Q2 ’252.37%Q2 ’26+7%-10%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.14%1.03%0.78%0.69%0.75%0.73%1.25%1.11%+42 bps
Return on Equity8.43%7.57%5.93%5.35%5.82%5.57%9.97%8.89%+354 bps
Net Interest Margin3.88%3.90%3.52%3.36%3.54%3.71%3.86%3.97%+61 bps
Efficiency Ratio62.23%65.79%69.66%71.46%69.03%69.82%55.99%55.28%-1,619 bps
Non-Interest Burden2.25%2.41%2.33%2.28%2.33%2.49%1.99%2.05%-23 bps
Growth
Asset Growth (YoY)1.49%5.80%5.51%6.86%6.99%3.53%10.99%6.15%-71 bps
Loan Growth (YoY)9.35%5.71%2.75%3.18%6.21%4.50%-1.50%7.50%+432 bps
Deposit Growth (YoY)1.31%6.19%5.92%7.80%8.14%3.81%12.31%6.36%-144 bps
Asset Quality
Nonperforming Loans / Loans3.20%5.24%5.10%12.67%11.67%11.05%12.94%8.23%-444 bps
Net Charge-Offs / Loans0.10%0.09%0.00%0.00%0.39%0.39%2.26%3.05%+305 bps
Allowance / Loans1.92%1.88%2.04%2.32%2.06%2.08%1.98%1.30%-101 bps
Allowance Coverage of NPLs0.6x0.4x0.4x0.2x0.2x0.2x0.2x0.2x0.0x
Capital
Tier 1 Leverage Ratio13.77%14.01%12.87%12.54%12.89%12.97%12.38%12.27%-27 bps
Total Risk-Based Capital13.77%14.01%12.87%19.56%12.89%18.58%12.38%12.27%-729 bps
Equity / Assets13.81%13.62%12.82%12.42%12.99%13.40%11.82%12.27%-15 bps
Liquidity & Funding
Loans / Deposits56.33%60.19%54.55%50.30%55.33%60.59%47.84%50.84%+54 bps
Liquid Assets / Assets33.94%33.41%35.34%38.20%38.46%37.74%35.89%37.15%-105 bps
CRE / Total Capitaln/an/an/an/a42.59%37.59%34.94%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 Valley Bank

Fort Cobb, OK · Cert 2308 · Peer group: banks under $1B in assets in OK (n=88-89) · Fort Cobb Bancshares Inc.

State charter, non-member · FDIC · 1 branch

Q2 2026

$68.8MAssets
$30.5MLoans
$60.0MDeposits
$8.4MEquity

Executive Summary

  • Strongest standing: efficiency ratio outperforms 74% of banks under $1B in assets in OK (rank 24 of 89).
  • Widest gap: net charge-offs / loans trails 98% of banks under $1B in assets in OK (rank 87 of 88).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

1.08%

Rank 58 of 89

Net Interest Margin

3.97%

Rank 42 of 89

Efficiency Ratio

55.28%

Rank 24 of 89

Equity / Assets

12.27%

Rank 33 of 89

Non-interest income vs. expense

$0.2M$1.6MINCOMEEXPENSE
Unfavorable gap of $1.4M · efficiency ratio beats 74% of banks under $1B in assets in OK
Bank 55.28%Peer median 61.0%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.08%0.85%1.26%1.60%Beats 35%58 / 89
Return on Equity8.76%7.40%11.89%14.65%Beats 37%56 / 89
Net Interest Margin3.97%3.46%3.93%4.45%Beats 53%42 / 89
Efficiency Ratio55.28%54.70%60.95%71.14%Beats 74%24 / 89
Asset Quality
Nonperforming Loans / Loans8.23%0.30%0.82%2.25%Beats 3%86 / 88
Net Charge-Offs / Loans1.53%0.00%0.03%0.20%Beats 2%87 / 88
Capital
Tier 1 Capital Ratio12.27%10.89%13.00%16.33%Beats 43%51 / 89
Total Risk-Based Capital Ratio12.27%11.20%13.06%16.33%Beats 42%52 / 89
Equity / Assets12.27%9.26%10.94%13.52%Beats 63%33 / 89
Liquidity & Funding
Loans / Deposits50.84%61.51%72.27%84.01%18th pctl72 / 88
Loans / Assets44.34%52.51%63.15%71.27%18th pctl73 / 89
Brokered Deposits / Depositsn/aNot reported for this institution