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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

$68.8MAssets
$30.5MLoans
$60.0MDeposits
$8.4MEquity
Loan mix
47%RE $8.4M22%C&I $4.0M31%Consumer $5.5MQ2 2025Q2 2026
Deposit mix
83%Interest-bearing $49.9M17%Noninterest $10.1MQ2 2025Q2 2026

NIM

5.35%Q2 ’244.72%Q2 ’255.40%Q2 ’26-18%+25%

Non-interest income vs. expense

2.58%Q2 ’242.71%Q2 ’252.36%Q2 ’26+6%-7%

Executive Summary

  • Earnings: ROA of 0.94%, up 34 bps year over year; NIM at 4.06%.
  • Asset quality: problem loans at 8.23% of loans (-444 bps YoY), with net charge-offs at 3.91%.
  • 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.

Financial Results

Return on Assets (quarter, annualized)

0.94%+34 bps YoY

Net Interest Margin (quarter, annualized)

4.06%+82 bps YoY

Efficiency Ratio (quarter, annualized)

54.57%-1,879 bps YoY

Tier 1 Leverage Ratio

12.27%-27 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.60%0.86%0.64%1.25%0.94%+34 bps
Return on Equity4.74%6.79%4.83%9.97%7.81%+308 bps
Net Interest Margin3.24%3.86%4.09%3.86%4.06%+82 bps
Efficiency Ratio73.36%64.45%71.97%55.99%54.57%-1,879 bps
Non-Interest Burden2.26%2.42%2.86%1.99%2.09%-16 bps
Growth
Asset Growth (YoY)6.86%6.99%3.53%10.99%6.15%-71 bps
Loan Growth (YoY)3.18%6.21%4.50%-1.50%7.50%+432 bps
Deposit Growth (YoY)7.80%8.14%3.81%12.31%6.36%-144 bps
Asset Quality
Nonperforming Loans / Loans12.67%11.67%11.05%12.94%8.23%-444 bps
Net Charge-Offs / Loans0.00%1.18%0.45%2.26%3.91%+391 bps
Allowance / Loans2.32%2.06%2.08%1.98%1.30%-101 bps
Allowance Coverage of NPLs0.2x0.2x0.2x0.2x0.2x0.0x
Capital
Tier 1 Leverage Ratio12.54%12.89%12.97%12.38%12.27%-27 bps
Total Risk-Based Capital19.56%12.89%18.58%12.38%12.27%-729 bps
Equity / Assets12.42%12.99%13.40%11.82%12.27%-15 bps
Liquidity & Funding
Loans / Deposits50.30%55.33%60.59%47.84%50.84%+54 bps
Liquid Assets / Assets38.20%38.46%37.74%35.89%37.15%-105 bps
CRE / Total Capitaln/a42.59%37.59%34.94%n/an/a