WASHITA STATE BANK

BURNS FLAT, OK | Micro | Est. March 11, 1977, midnight | FDIC #22430 | RSSD #1856 | FDIC
Latest Report: 2025-12-31

WASHITA STATE BANK is amn micro FDIC-insured commercial bank headquartered in BURNS FLAT, OK, established in March 11, 1977, midnight. As of 2025-12-31, the bank reported total assets of $44M and total deposits of $35M. Profitability stands at -2.16% ROA and -14.73% ROE, with a net interest margin of 4.53%. The bank's CET1 capital ratio is 14.44%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.89% and a Texas Ratio of 3.86%. FDIC Certificate #22430.

Assets

$44M

Deposits

$35M

Loans

$30M

Equity

$6M

Profitability

Return on Assets (ROA) -2.16%
Return on Equity (ROE) -14.73%
Net Interest Margin (NIM) 4.53%
Yield on Assets 7.43%
Cost of Funds 3.66%

Asset Quality

NPL Ratio 0.89%
Net Charge-Off Ratio 0.02%
Texas Ratio 3.86%
NPA Ratio 0.61%
ACL / Loans 1.44%

Capital & Liquidity

CET1 Ratio 14.44%
Tier 1 Capital 14.44%
Total Capital Ratio 15.17%
Leverage Ratio 14.19%
Loan-to-Deposit 85.75%

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