Bank Comparison
Washita State Bank vs Ventura National Bank & Trust
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
9 · 10
winning metrics across 19 comparable rows
Capital adequacy
| Metric | Washita State Bank | Ventura National Bank & Trust |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 14.60% | 19.60% |
| Equity / Assets | 14.65% | 19.97% |
Profitability
| Metric | Washita State Bank | Ventura National Bank & Trust |
|---|---|---|
| Return on Assets (ROA) | -0.02% | -0.67% |
| Return on Equity (ROE) | -0.12% | -3.37% |
| Net Interest Margin (NIM) | 4.23% | 3.53% |
| Yield on Earning Assets | 6.64% | 6.19% |
| Cost of Funds | 2.77% | 2.60% |
Asset quality
| Metric | Washita State Bank | Ventura National Bank & Trust |
|---|---|---|
| Texas Ratio | 3.80% | 0.98% |
| Non-Performing Loan Ratio | 0.92% | 0.00% |
| Non-Performing Asset Ratio | 0.59% | 0.00% |
| Net Charge-Off Ratio | 0.00% | 0.29% |
| ACL / Loans | 1.60% | 0.78% |
Balance sheet
| Metric | Washita State Bank | Ventura National Bank & Trust |
|---|---|---|
| Total Assets | $43,818K | $43,747K |
| Total Deposits | $35,322K | $34,732K |
| Total Loans | $28,081K | $35,071K |
| Total Equity | $6,421K | $8,735K |
| Net Income (quarter) | $-2 | $-74 |
Liquidity & funding
| Metric | Washita State Bank | Ventura National Bank & Trust |
|---|---|---|
| Loan-to-Deposit Ratio | 79.50% | 100.98% |
| Core Deposit Ratio | 81.12% | 98.39% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Washita State Bank | Ventura National Bank & Trust |
|---|---|---|
| Headquarters City | BURNS FLAT | HARVEYVILLE |
| Headquarters State | OK | KS |
| Asset Tier | Micro | Micro |
| Charter Class | 0 | 11822 |
| Regulator | FDIC | OCC |
| Domestic Branches | 1 | 1 |
| Employees (FTE) | 6 | 10 |
| Established | March 11, 1977, midnight | Sept. 20, 1920, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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