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
Unfavorable gap of $1.4M · efficiency ratio beats 74% of banks under $1B in assets in OK | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.08% | 0.85% | 1.26% | 1.60% | Beats 35% | 58 / 89 | | |
| Return on Equity | 8.76% | 7.40% | 11.89% | 14.65% | Beats 37% | 56 / 89 | | |
| Net Interest Margin | 3.97% | 3.46% | 3.93% | 4.45% | Beats 53% | 42 / 89 | | |
| Efficiency Ratio | 55.28% | 54.70% | 60.95% | 71.14% | Beats 74% | 24 / 89 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 8.23% | 0.30% | 0.82% | 2.25% | Beats 3% | 86 / 88 | | |
| Net Charge-Offs / Loans | 1.53% | 0.00% | 0.03% | 0.20% | Beats 2% | 87 / 88 | | |
| Capital |
| Tier 1 Capital Ratio | 12.27% | 10.89% | 13.00% | 16.33% | Beats 43% | 51 / 89 | | |
| Total Risk-Based Capital Ratio | 12.27% | 11.20% | 13.06% | 16.33% | Beats 42% | 52 / 89 | | |
| Equity / Assets | 12.27% | 9.26% | 10.94% | 13.52% | Beats 63% | 33 / 89 | | |
| Liquidity & Funding |
| Loans / Deposits | 50.84% | 61.51% | 72.27% | 84.01% | 18th pctl | 72 / 88 | | |
| Loans / Assets | 44.34% | 52.51% | 63.15% | 71.27% | 18th pctl | 73 / 89 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |