BlastPoint's Banking Scorecard
Washita Valley Bank
Designations: ✓ Community bank
Fort Cobb, 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 +6.4% year over year ($60.0M on the books).
- Delinquency rate 8.34%.
- Return on assets 1.11%.
- Efficiency ratio 55.28% vs a 119.40% peer average.
- Loan-to-deposit ratio 50.18% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Washita Valley Bank has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.11% above tier average
- + Net Interest Margin 0.47% above tier average
- + Efficiency Ratio 64.12% below tier average
Key Concerns
Areas that may need attention
- - Delinquency Rate 6.86% above tier average
- - Nonperforming Asset Ratio 2.81% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$68.8M
+6.2% YoY
-2.5% QoQ
|
+$6.4M |
$62.4M
-0.0% YoY
|
$1.3B
+6.0% YoY
|
$6.3B
+7.7% YoY
|
55% |
| Total Loans ? |
$30.1M
+8.6% YoY
+4.0% QoQ
|
-$4.8M |
$34.9M
-0.6% YoY
|
$835.5M
+7.1% YoY
|
$3.2B
+9.4% YoY
|
43% |
| Total Deposits ? |
$60.0M
+6.4% YoY
-2.8% QoQ
|
+$8.4M |
$51.6M
-0.2% YoY
|
$967.8M
+5.8% YoY
|
$4.9B
+7.3% YoY
|
59% |
| Return on Assets ? |
1.11%
+60.1% YoY
-11.5% QoQ
|
+0.11% |
1.00%
+3.5% YoY
|
1.35%
+7.7% YoY
|
1.30%
+12.1% YoY
|
57% |
| Net Interest Margin ? |
4.38%
+17.4% YoY
+1.2% QoQ
|
+0.47% |
3.91%
+2.3% YoY
|
4.27%
+1.9% YoY
|
3.95%
+4.9% YoY
|
71% |
| Efficiency Ratio ? |
55.28%
-22.6% YoY
-1.3% QoQ
|
-64.12% |
119.40%
+49.6% YoY
|
64.81%
-3.0% YoY
|
70.05%
+2.5% YoY
|
82% |
| Delinquency Rate ? |
8.34%
-35.7% YoY
-36.9% QoQ
|
+6.86% |
1.48%
+31.8% YoY
|
1.78%
+23.7% YoY
|
0.98%
+16.3% YoY
|
Bottom 2.9% in tier |
| Loan-to-Deposit Ratio ? |
50.18%
+2.1% YoY
+7.0% QoQ
|
-24.03% |
74.21%
+12.6% YoY
|
74.14%
+1.3% YoY
|
79.03%
+2.3% YoY
|
71% |
| Non-Interest-Bearing Deposit Share ? |
16.81%
+4.8% YoY
|
-6.67% |
23.49%
+0.6% YoY
|
23.91%
-1.8% YoY
|
21.98%
-0.6% YoY
|
29% |
| Nonperforming Asset Ratio ? |
3.65%
-36.0% YoY
-32.7% QoQ
|
+2.81% |
0.84%
+23.0% YoY
|
1.24%
+23.1% YoY
|
0.69%
+15.8% YoY
|
Bottom 3.5% in tier |
| Tier 1 Capital Ratio ? |
12.27%
-33.0% YoY
-0.9% QoQ
|
-14.86% |
27.13%
+3.0% YoY
|
14.18%
-3.9% YoY
|
17.09%
+0.8% YoY
|
25% |
| Non-Interest Income / Assets ? |
0.16%
-22.9% YoY
+73.0% QoQ
|
-1.22% |
1.38%
+6.3% YoY
|
0.31%
-11.7% YoY
|
0.66%
+5.2% YoY
|
62% |
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 |
16.8%
+0.8pp YoY +16.8pp QoQ |
-7.8pp | 24.6% | 23.9% | 22.2% | 25% |
| 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 |
13.4%
-0.1pp YoY -0.3pp QoQ |
0.0pp | 13.4% | 15.7% | 12.5% | 62% |
| CRE | n/a | n/a | 25.2% | 42.0% | 41.4% | n/a |
| 1-4 Family |
0.8%
+0.2pp YoY -0.4pp QoQ |
-34.2pp | 35.0% | 24.0% | 31.3% | 5% |
| Consumer |
19.6%
+2.3pp YoY +0.7pp QoQ |
+12.0pp | 7.7% | 5.6% | 5.0% | 93% |
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 |
12.3%
-0.3pp YoY -0.1pp QoQ |
-5.4pp | 17.7% | 11.7% | 12.6% | 44% |
| 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 |
11
0 YoY 0 QoQ |
-1 | 12 | 150 | 482 | 50% |
| Assets per Employee ($) |
$6.3M
+6.2% YoY -2.5% QoQ |
+$68K | $6.2M | $6.5M | $8.8M | 55% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 8 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.3%
+0.1pp YoY -1.8pp QoQ |
-0.6pp | 1.0% | 0.9% | 0.4% | 44% |
| Nonaccrual |
8.0%
-4.8pp YoY -3.1pp QoQ |
+6.3pp | 1.7% | 1.5% | 1.0% | 96% |
| Allowance Coverage |
0.16x
-13.4% YoY +3.4% QoQ |
-6.25x | 6.41x | 61.99x | 20.23x | 2% |
| Net Charge-off Rate (YTD) |
3.0%
+0.9pp QoQ |
+2.9pp | 0.2% | 0.2% | 0.2% | 99% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
8.9%
+3.5pp YoY -1.1pp QoQ |
+2.5pp | 6.4% | 11.9% | 11.6% | 55% |
| Cost of Funds (YTD) |
1.5%
-0.1pp YoY 0.0pp QoQ |
+0.1pp | 1.4% | 1.8% | 1.7% | 56% |
| Net Income ($, YTD) |
$370,000
+71.3% YoY — QoQ |
+$52K | $317,817 | $8.7M | $40.4M | 60% |
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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.