BlastPoint's Banking Scorecard

Washita Valley Bank

under $100M Specialty: Agricultural OK FDIC cert 2308

Designations: ✓ Community bank

Fort Cobb, OK

541 banks in the under $100M peer group nationally 38 in OK

Washita Valley Bank has 3 strengths but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ ROA 0.42% above tier average
+ Net Interest Margin 0.47% above tier average
+ Efficiency Ratio 32.35% below tier average

Key Concerns

Areas that may need attention

- Delinquency Rate 11.83% above tier average
- Non-Interest-Bearing Deposit Share 23.70% below tier average
- Nonperforming Asset Ratio 4.63% above tier average

Get updates when Washita Valley Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
Total Assets ?	$70.6M +11.0% YoY +15.6% QoQ	+$8.4M	$62.2M -0.6% YoY	$1.2B +6.7% YoY	$6.2B +9.1% YoY	57%
Total Loans ?	$29.0M -1.4% YoY -7.0% QoQ	-$5.3M	$34.2M -1.4% YoY	$822.6M +7.2% YoY	$3.2B +10.8% YoY	43%
Total Deposits ?	$61.8M +12.3% YoY +17.7% QoQ	+$10.0M	$51.7M -0.7% YoY	$956.7M +4.7% YoY	$4.8B +8.2% YoY	61%
Return on Assets ?	1.25% +59.8% YoY +72.3% QoQ	+0.42%	0.84% -2.3% YoY	1.34% +7.6% YoY	1.23% +13.4% YoY	65%
Net Interest Margin ?	4.33% +9.6% YoY +7.1% QoQ	+0.47%	3.86% +2.8% YoY	4.25% +2.4% YoY	3.89% +5.7% YoY	70%
Efficiency Ratio ?	55.99% -19.6% YoY -19.8% QoQ	-32.35%	88.34% +0.3% YoY	65.16% -1.8% YoY	66.95% -4.1% YoY	83%
Delinquency Rate ?	13.20% +153.7% YoY +17.0% QoQ	+11.83%	1.37% +33.8% YoY	1.61% +16.3% YoY	0.95% +18.8% YoY	Bottom 1.0% in tier
Loan-to-Deposit Ratio ?	46.89% -12.2% YoY -21.0% QoQ	-17.32%	64.22% -0.7% YoY	73.83% +1.6% YoY	76.70% +0.9% YoY	73%
Non-Interest-Bearing Deposit Share ?	0.02% -99.9% YoY -99.9% QoQ	-23.70%	23.71% +0.3% YoY	23.68% -1.7% YoY	22.01% -1.2% YoY	Bottom 5.4% in tier
Nonperforming Asset Ratio ?	5.42% +111.8% YoY -8.4% QoQ	+4.63%	0.79% +28.2% YoY	1.12% +15.3% YoY	0.67% +19.3% YoY	Bottom 2.8% in tier
Tier 1 Capital Ratio ?	12.38% -3.8% YoY -28.6% QoQ	-14.30%	26.68% +2.0% YoY	14.36% -1.8% YoY	17.06% +0.8% YoY	26%
Non-Interest Income / Assets ?	0.09% -7.1% YoY -73.3% QoQ	-0.57%	0.67% +1.9% YoY	0.15% -5.6% YoY	0.32% +4.1% YoY	68%

Get Full Access to Washita Valley Bank

Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free

$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

Want to see an example first? Preview JPMorgan Chase's scorecard →

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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 541 peers in under $100M

Top Strengths (1 metrics)

Efficiency Ratio

profitability

Value: 55.99%

Peer Median: 88.34%

#92 of 541 Top 16.8% in under $100M

Top Weaknesses (3 metrics)

517

Delinquency Rate

credit_quality

Value: 13.20%

Peer Median: 1.37%

#517 of 521 Bottom 1.0% in under $100M

527

Nonperforming Asset Ratio

credit_quality

Value: 5.42%

Peer Median: 0.79%

#527 of 541 Bottom 2.8% in under $100M

513

Non-Interest-Bearing Deposit Share

funding

Value: 0.02%

Peer Median: 23.71%

#513 of 541 Bottom 5.4% in under $100M