Washita State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Washita State Bank of Burns Flat, OK against its peer group of 536 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.41% | 3.14% | -2.73% | 23rd bottom |
| ROAE | 2.79% | 10.43% | -7.64% | 22nd bottom |
| Net Interest Margin | 4.27% | 3.93% | +0.34% | 67th above |
| Efficiency Ratio | 87.18% | 76.29% | +10.89% | 21st bottom |
| PPNR / Avg Assets | 0.54% | 1.40% | -0.86% | 21st bottom |
| Yield on Earning Assets | 6.54% | 5.35% | +1.19% | 88th top |
| Cost of Funds | 2.75% | 1.70% | +1.05% | 12th bottom |
| Net Interest Spread | 3.47% | 3.31% | +0.16% | 57th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.85% | 1.34% | -0.49% | 34th below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.58% | 0.71% | -0.13% | 29th below |
| NCO / Avg Loans | 0.00% | 0.11% | -0.11% | 53rd above |
| ACL / Total Loans | 1.53% | 1.49% | +0.04% | 69th above |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 179.46% | 865.39% | -685.93% | 55th above |
| Texas Ratio | 14.73% | 8.24% | +6.49% | 12th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 14.60% | 17.61% | -3.01% | 62nd above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 14.63% | 16.43% | -1.80% | 64th above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 14.44% | 16.18% | -1.74% | 65th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 84.69% | 72.81% | +11.88% | 24th bottom |
| Core Deposit Ratio | 80.44% | 88.22% | -7.78% | 13th bottom |
| Wholesale Funding Ratio Ahead of the peer average, behind the median peer. | 4.52% | 5.28% | -0.76% | 40th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -6.47% | 4.32% | -10.79% | 8th bottom |
| Loan Growth (Y/Y) | -2.53% | 6.73% | -9.26% | 29th below |
| Deposit Growth (Y/Y) | -7.36% | 3.78% | -11.14% | 8th bottom |
See Washita State Bank's peers by name
The 536 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Washita State Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Washita State Bank profile, how to read a UBPR, or how this data updates.