Washita State Bank
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Data as of · sourced from FFIEC call reports. How we update
Washita State Bank is an FDIC-insured commercial bank headquartered in Burns Flat, OK, established in 1977 (FDIC certificate 22430), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $44.3M, down 6.5% from Q2 2025, the 160th largest of 169 banks headquartered in Oklahoma. It reports no CET1 ratio; its Tier 1 leverage ratio was 14.60% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 22430
- Headquarters
- Burns Flat, OK
- Established
- 1977
- Total assets, Q2 2026
- $44.3M
- Assets vs Q2 2025
- -6.5%
- Tier 1 leverage ratio, Q2 2026
- 14.60%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 103105446
- Latest call report
- Q2 2026, FFIEC 051 · Washita State Bank call report
- Asset rank in state
- 160th of 169 in Oklahoma
Washita State Bank, based in Burns Flat, Oklahoma, reported $44 million in assets at June 30, 2026, down 6.5% from a year earlier. It carries problem assets equal to 14.7% of the capital and reserves that would absorb them, 10.7 times the median of 1.4% for the 583 banks with less than $100 million in assets. It also lost 7.4% of its deposits over the year, lower than about 9 in 10 banks its size (median 2.5%).
Problem loans eased: loans on nonaccrual or 90 or more days past due, net of government guarantees, were 3.34% of loans, down from 4.99% a year earlier. Earnings fell sharply: quarterly net income of $45,000 was 55% below a year earlier. Funding is the softer spot: it pays an average of 2.75% on its deposits and borrowings, higher than about three-quarters of banks its size (median 1.53%).
As of June 30, 2026, Washita State Bank reported a return on assets of 0.41%, a nonperforming-loan ratio of 3.34% and a Texas ratio of 14.73%. The figures come from its call report filed with the FFIEC.
Of the 169 banks headquartered in Oklahoma, Washita State Bank is the 160th largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 1.0% to $44.3M, loans rose 7.6% and deposits rose 1.0%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 26.0% of total loans, ahead of commercial and industrial loans at 25.1%. The FDIC Summary of Deposits lists a single office for it, in Burns Flat, OK. On its Q2 2026 call report, Washita State Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 701 State Highway 44, Burns Flat, OK 73624
- County
- Washita
- Metro Area
- Weatherford, OK
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- March 11, 1977
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 7
- Domestic deposits
- $35.7M
- Allowance for credit losses
- $463K
- Net charge-offs (YTD)
- $0
- Average total assets
- $44.4M
- Average total loans
- $30.0M
- Average interest-bearing deposits
- $30.3M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- March 11, 1977
- FDIC Cert
- 22430
- Fed RSSD
- 1856
- Website
- www.washitastatebank.com →
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Washita State Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Washita State Bank's total assets ranged from $41.7M (Q4 2024) to $53.2M (Q2 2024), and it earned a profit in 10 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$44.3M total assets against $47.3M; $37.8M total liabilities against $40.7M.
$29.8M net loans and leases against $30.6M; $35.7M total deposits against $38.5M.
$8.5M securities against $9.0M; $4.7M cash and balances due against $6.2M.
$707K total interest income against $817K; $246K total interest expense against $302K.
$461K net interest income against $515K.
$7K total noninterest income against $20K; $408K total noninterest expense against $420K.
$15K provision for credit losses against $15K.
$45K net income against $100K.
0.41% return on assets against 0.86%; 4.27% net interest margin against 4.58%.
14.60% tier 1 leverage ratio against 14.19%.
Inside the full Washita State Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Nonperforming loans (nonaccrual loans plus loans 90 or more days past due) exceed 3% of total loans. BankRegReports band at 3% of total loans.
Washita State Bank rankings
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -2.13% (Q4 2025) to 1.35% (Q3 2024) and its net interest margin ran from 3.89% (Q3 2024) to 4.71% (Q1 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.60% | 0.41% | 3.34% | 14.73% | 4.27% |
| Q1 2026 | 14.60% | -0.02% | 0.92% | 3.80% | 4.23% |
| Q4 2025 | 14.19% | -2.13% | 0.89% | 3.92% | 4.26% |
| Q3 2025 | 14.16% | 0.44% | 3.96% | 16.65% | 4.29% |
| Q2 2025 | 14.19% | 0.86% | 4.99% | 22.38% | 4.58% |
| Q1 2025 | 15.38% | 0.98% | 4.46% | 19.70% | 4.71% |
| Q4 2024 | 15.37% | 1.25% | 1.53% | 6.30% | 4.70% |
| Q3 2024 | 14.02% | 1.35% | 1.03% | 3.90% | 3.89% |
Swipe the table sideways to see every column.
Branch Network
View the branch → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Washita State Bank (main office) | Burns Flat , OK | 73624 | $35.7M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| December 27, 2002 | Structure Change | Acquired Washita Bancshares, Inc. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 14, 1977 | Structure Change | Acquired First State Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| March 11, 1977 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 3 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in OK, rank 180 of 192 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 2 loans, $485K approved, $242K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2012 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Washita State Bank
What are Washita State Bank's total assets?
As of the Q2 2026 filing, Washita State Bank reported total assets of $44.3 million in its FFIEC call report.
Where is Washita State Bank headquartered?
It is headquartered in Burns Flat, OK, United States.
When was Washita State Bank founded?
It was established in 1977, per the FDIC institution directory.
Is Washita State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #22430). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Washita State Bank?
Washita State Bank's primary federal regulator is the FDIC.
How many branches does Washita State Bank operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Washita State Bank's Texas Ratio?
Its Texas Ratio is 14.73% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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