WASHITA VALLEY BANK

FORT COBB, OK | Micro | Est. July 9, 1902, midnight | FDIC #2308 | RSSD #184759 | FDIC
Latest Report: 2025-12-31

WASHITA VALLEY BANK is amn micro FDIC-insured commercial bank headquartered in FORT COBB, OK, established in July 9, 1902, midnight. As of 2025-12-31, the bank reported total assets of $61M and total deposits of $52M. Profitability stands at 0.64% ROA and 4.83% ROE, with a net interest margin of 4.51%. The bank's CET1 capital ratio is 17.33%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 10.44% and a Texas Ratio of 38.68%. FDIC Certificate #2308. The institution operates 1 domestic branch.

Assets

$61M

Deposits

$52M

Loans

$32M

Equity

$8M

Profitability

Return on Assets (ROA) 0.64%
Return on Equity (ROE) 4.83%
Net Interest Margin (NIM) 4.51%
Yield on Assets 6.14%
Cost of Funds 2.15%

Asset Quality

NPL Ratio 10.44%
Net Charge-Off Ratio 0.39%
Texas Ratio 38.68%
NPA Ratio 5.60%
ACL / Loans 2.08%

Capital & Liquidity

CET1 Ratio 17.33%
Tier 1 Capital 17.33%
Total Capital Ratio 18.58%
Leverage Ratio 12.97%
Loan-to-Deposit 60.59%

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