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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 $5.5MQ3 2024Q2 2026
Deposit mix
83%Interest-bearing $49.9M17%Noninterest $10.1MQ3 2024Q2 2026

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.

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

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%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.11%0.68%0.78%0.60%0.86%0.64%1.25%0.94%+34 bps
Return on Equity8.24%4.94%5.93%4.74%6.79%4.83%9.97%7.81%+308 bps
Net Interest Margin3.91%3.89%3.52%3.24%3.86%4.09%3.86%4.06%+82 bps
Efficiency Ratio62.97%76.40%69.66%73.36%64.45%71.97%55.99%54.57%-1,879 bps
Non-Interest Burden2.31%2.85%2.33%2.26%2.42%2.86%1.99%2.09%-16 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 / Loans-0.77%0.07%0.00%0.00%1.18%0.45%2.26%3.91%+391 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