BlastPoint's Banking Scorecard
Washita State Bank
Designations: ✓ Community bank
Burns Flat, OK
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 536 banks in the under $100M peer group nationwide — 1 of 39 in OK.
- Deposits -7.4% year over year ($35.7M on the books).
- Delinquency rate 3.39%.
- Return on assets 0.20%.
- Efficiency ratio 92.18% vs a 119.40% peer average.
- Loan-to-deposit ratio 83.39% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Washita State Bank has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.43% above tier average
- + Efficiency Ratio 27.22% below tier average
Key Concerns
Areas that may need attention
- - Nonperforming Asset Ratio 1.44% above tier average
- - ROA 0.80% below tier average
- - Delinquency Rate 1.91% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$44.3M
-6.5% YoY
+1.0% QoQ
|
-$18.2M |
$62.4M
-0.0% YoY
|
$1.3B
+6.0% YoY
|
$6.3B
+7.7% YoY
|
25% |
| Total Loans ? |
$29.8M
-2.7% YoY
+7.7% QoQ
|
-$5.1M |
$34.9M
-0.6% YoY
|
$835.5M
+7.1% YoY
|
$3.2B
+9.4% YoY
|
43% |
| Total Deposits ? |
$35.7M
-7.4% YoY
+1.0% QoQ
|
-$15.9M |
$51.6M
-0.2% YoY
|
$967.8M
+5.8% YoY
|
$4.9B
+7.3% YoY
|
26% |
| Return on Assets ? |
0.20%
-78.8% YoY
|
-0.80% |
1.00%
+3.5% YoY
|
1.35%
+7.7% YoY
|
1.30%
+12.1% YoY
|
16% |
| Net Interest Margin ? |
4.35%
-8.8% YoY
+0.3% QoQ
|
+0.43% |
3.91%
+2.3% YoY
|
4.27%
+1.9% YoY
|
3.95%
+4.9% YoY
|
69% |
| Efficiency Ratio ? |
92.18%
+19.2% YoY
-5.2% QoQ
|
-27.22% |
119.40%
+49.6% YoY
|
64.81%
-3.0% YoY
|
70.05%
+2.5% YoY
|
16% |
| Delinquency Rate ? |
3.39%
-33.1% YoY
+264.2% QoQ
|
+1.91% |
1.48%
+31.8% YoY
|
1.78%
+23.7% YoY
|
0.98%
+16.3% YoY
|
Bottom 10.4% in tier |
| Loan-to-Deposit Ratio ? |
83.39%
+5.0% YoY
+6.6% QoQ
|
+9.18% |
74.21%
+12.6% YoY
|
74.14%
+1.3% YoY
|
79.03%
+2.3% YoY
|
24% |
| Non-Interest-Bearing Deposit Share ? |
16.24%
+53.1% YoY
+11.8% QoQ
|
-7.25% |
23.49%
+0.6% YoY
|
23.91%
-1.8% YoY
|
21.98%
-0.6% YoY
|
27% |
| Nonperforming Asset Ratio ? |
2.28%
-30.4% YoY
+288.2% QoQ
|
+1.44% |
0.84%
+23.0% YoY
|
1.24%
+23.1% YoY
|
0.69%
+15.8% YoY
|
Bottom 8.6% in tier |
| Tier 1 Capital Ratio ? |
14.60%
+2.9% YoY
+0.0% QoQ
|
-12.52% |
27.13%
+3.0% YoY
|
14.18%
-3.9% YoY
|
17.09%
+0.8% YoY
|
44% |
| Non-Interest Income / Assets ? |
0.05%
-40.9% YoY
+48.5% QoQ
|
-1.33% |
1.38%
+6.3% YoY
|
0.31%
-11.7% YoY
|
0.66%
+5.2% YoY
|
16% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
16.2%
+5.6pp YoY +1.7pp QoQ |
-8.4pp | 24.6% | 23.9% | 22.2% | 23% |
| Brokered Deposits | n/a | n/a | 9.8% | 9.7% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
25.5%
+6.5pp YoY -1.0pp QoQ |
+12.1pp | 13.4% | 15.7% | 12.5% | 86% |
| CRE |
25.7%
-7.8pp YoY +5.3pp QoQ |
+0.5pp | 25.2% | 42.0% | 41.4% | 66% |
| 1-4 Family |
26.4%
+3.3pp YoY -1.6pp QoQ |
-8.6pp | 35.0% | 24.0% | 31.3% | 45% |
| Consumer |
4.2%
+0.2pp YoY -0.5pp QoQ |
-3.5pp | 7.7% | 5.6% | 5.0% | 43% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 38.7% | 17.0% | 19.7% | n/a |
| Leverage Ratio |
14.6%
+0.4pp YoY 0.0pp QoQ |
-3.1pp | 17.7% | 11.7% | 12.6% | 67% |
| Total Capital Ratio | n/a | n/a | 39.7% | 18.2% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
7
0 YoY +1 (+16.7%) QoQ |
-5 | 12 | 150 | 482 | 20% |
| Assets per Employee ($) |
$6.3M
-6.5% YoY -13.4% QoQ |
+$136K | $6.2M | $6.5M | $8.8M | 56% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 8 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
2.5%
-1.7pp YoY |
+1.6pp | 1.0% | 0.9% | 0.4% | 92% |
| Nonaccrual |
0.9%
0.0pp YoY -0.1pp QoQ |
-0.9pp | 1.7% | 1.5% | 1.0% | 53% |
| Allowance Coverage |
0.46x
+70.1% YoY -73.7% QoQ |
-5.95x | 6.41x | 61.99x | 20.23x | 18% |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.2% | 0.2% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
1.3%
-4.9pp YoY +1.5pp QoQ |
-5.1pp | 6.4% | 11.9% | 11.6% | 16% |
| Cost of Funds (YTD) |
2.4%
-0.3pp YoY -0.1pp QoQ |
+1.0pp | 1.4% | 1.8% | 1.7% | 91% |
| Net Income ($, YTD) |
$43,000
-78.9% YoY — QoQ |
-$275K | $317,817 | $8.7M | $40.4M | 17% |
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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.
Strengths (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.