BlastPoint's Banking Scorecard
Washita State Bank
Designations: ✓ Community bank
Burns Flat, OK
Washita State Bank has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.47% above tier average
- + Delinquency Rate 0.44% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.85% below tier average
- - Efficiency Ratio 8.86% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$43.8M
+1.9% YoY
+0.6% QoQ
|
-$18.3M |
$62.2M
-0.6% YoY
|
$1.2B
+6.7% YoY
|
$6.2B
+9.1% YoY
|
26% |
| Total Loans ? |
$27.6M
-6.6% YoY
-6.7% QoQ
|
-$6.6M |
$34.2M
-1.4% YoY
|
$822.6M
+7.2% YoY
|
$3.2B
+10.8% YoY
|
40% |
| Total Deposits ? |
$35.3M
-3.0% YoY
+0.8% QoQ
|
-$16.4M |
$51.7M
-0.7% YoY
|
$956.7M
+4.7% YoY
|
$4.8B
+8.2% YoY
|
25% |
| Return on Assets ? |
-0.02%
-101.9% YoY
-158.1% QoQ
|
-0.85% |
0.84%
-2.3% YoY
|
1.34%
+7.6% YoY
|
1.23%
+13.4% YoY
|
Bottom 15.0% in tier |
| Net Interest Margin ? |
4.33%
-9.4% YoY
-6.5% QoQ
|
+0.47% |
3.86%
+2.8% YoY
|
4.25%
+2.4% YoY
|
3.89%
+5.7% YoY
|
70% |
| Efficiency Ratio ? |
97.20%
+27.7% YoY
+1.0% QoQ
|
+8.86% |
88.34%
+0.3% YoY
|
65.16%
-1.8% YoY
|
66.95%
-4.1% YoY
|
Bottom 15.0% in tier |
| Delinquency Rate ? |
0.93%
-79.4% YoY
+3.5% QoQ
|
-0.44% |
1.37%
+33.8% YoY
|
1.61%
+16.3% YoY
|
0.95%
+18.8% YoY
|
38% |
| Loan-to-Deposit Ratio ? |
78.23%
-3.7% YoY
-7.4% QoQ
|
+14.02% |
64.22%
-0.7% YoY
|
73.83%
+1.6% YoY
|
76.70%
+0.9% YoY
|
30% |
| Non-Interest-Bearing Deposit Share ? |
14.52%
+21.9% YoY
+13.6% QoQ
|
-9.19% |
23.71%
+0.3% YoY
|
23.68%
-1.7% YoY
|
22.01%
-1.2% YoY
|
23% |
| Nonperforming Asset Ratio ? |
0.59%
-81.1% YoY
-4.0% QoQ
|
-0.20% |
0.79%
+28.2% YoY
|
1.12%
+15.3% YoY
|
0.67%
+19.3% YoY
|
36% |
| Tier 1 Capital Ratio ? |
14.60%
-5.1% YoY
+2.9% QoQ
|
-12.09% |
26.68%
+2.0% YoY
|
14.36%
-1.8% YoY
|
17.06%
+0.8% YoY
|
44% |
| Non-Interest Income / Assets ? |
0.03%
-23.6% YoY
-55.1% QoQ
|
-0.63% |
0.67%
+1.9% YoY
|
0.15%
-5.6% YoY
|
0.32%
+4.1% YoY
|
25% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
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Metric Rankings
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