Washita Valley Bank
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Data as of · sourced from FFIEC call reports. How we update
Washita Valley Bank is an FDIC-insured commercial bank headquartered in Fort Cobb, OK, established in 1902 (FDIC certificate 2308), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $68.8M, up 6.2% from Q2 2025, the 144th largest of 169 banks headquartered in Oklahoma. It reports no CET1 ratio; its Tier 1 leverage ratio was 12.27% 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
- 2308
- Headquarters
- Fort Cobb, OK
- Established
- 1902
- Total assets, Q2 2026
- $68.8M
- Assets vs Q2 2025
- +6.2%
- Tier 1 leverage ratio, Q2 2026
- 12.27%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 103106092
- Latest call report
- Q2 2026, FFIEC 051 · Washita Valley Bank call report
- Holding company
- FORT COBB BANCSHARES, INC.
- Asset rank in state
- 144th of 169 in Oklahoma
Washita Valley Bank, based in Fort Cobb, Oklahoma, reported $69 million in assets at June 30, 2026, up 6.2% from a year earlier. It carries problem assets equal to 28.4% of the capital and reserves that would absorb them, 20.6 times the median of 1.4% for the 583 banks with less than $100 million in assets. On the other hand, it spends about 54 cents to bring in each dollar of revenue, lower than about three-quarters of banks its size (median 69 cents).
Earnings jumped: net income for the quarter was $164,000, 71% above the same quarter a year earlier. Problem loans eased: loans on nonaccrual or 90 or more days past due, net of government guarantees, were 8.23% of loans, down from 12.67% a year earlier.
As of June 30, 2026, Washita Valley Bank reported a return on assets of 0.95%, a nonperforming-loan ratio of 8.23% and a Texas ratio of 28.39%. The figures come from its call report filed with the FFIEC.
Of the 169 banks headquartered in Oklahoma, Washita Valley Bank is the 144th largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 2.5% to $68.8M, loans rose 3.2% and deposits fell 2.8%. Its loan book on June 30, 2026 was led by agricultural production loans, at 33.4% of total loans, followed by farmland and other real estate loans at 22.2%. Its one office in the FDIC Summary of Deposits is in Fort Cobb, OK. By the capital ratios in its Q2 2026 call report, Washita Valley Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 204 N Hazlett St, Fort Cobb, OK 73038
- County
- Caddo
- 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
- July 9, 1902
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 11
- Domestic deposits
- $60.0M
- Allowance for credit losses
- $397K
- Net charge-offs (YTD)
- $465K
- Average total assets
- $68.8M
- Average total loans
- $30.1M
- Average interest-bearing deposits
- $48.3M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 2308
- Fed RSSD
- 184759
- Parent Holding Company
- FORT COBB BANCSHARES, INC. (RSSD 1061932)
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 Valley 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 Valley Bank's total assets ranged from $55.7M (Q4 2023) to $70.6M (Q1 2026), and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$68.8M total assets against $64.8M; $60.4M total liabilities against $56.8M.
$30.1M net loans and leases against $27.7M; $60.0M total deposits against $56.4M.
$22.7M securities against $21.6M; $14.7M cash and balances due against $14.2M.
$929K total interest income against $757K; $231K total interest expense against $237K.
$698K net interest income against $520K.
$46K total noninterest income against $73K; $406K total noninterest expense against $435K.
$110K provision for credit losses against $45K.
$164K net income against $96K.
0.95% return on assets against 0.60%; 4.46% net interest margin against 3.99%.
12.27% tier 1 leverage ratio against 12.54%.
Inside the full Washita Valley 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 Valley Bank rankings
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.60% (Q2 2025) to 1.19% (Q1 2026) and its net interest margin ran from 3.99% (Q2 2025) to 4.55% (Q3 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.27% | 0.95% | 8.23% | 28.39% | 4.46% |
| Q1 2026 | 12.38% | 1.19% | 12.94% | 42.82% | 4.28% |
| Q4 2025 | 12.97% | 0.63% | 11.05% | 40.84% | 4.55% |
| Q3 2025 | 12.89% | 0.87% | 11.67% | 41.01% | 4.55% |
| Q2 2025 | 12.54% | 0.60% | 12.67% | 42.43% | 3.99% |
| Q1 2025 | 12.87% | 0.76% | 5.10% | 18.56% | 4.03% |
| Q4 2024 | 14.01% | 0.68% | 5.24% | 19.68% | 4.47% |
| Q3 2024 | 13.77% | 1.12% | 3.20% | 11.59% | 4.49% |
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 Valley Bank (main office) | Fort Cobb , OK | 73038 | $60.0M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in OK, rank 161 of 192 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, 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 Valley Bank
What are Washita Valley Bank's total assets?
As of the Q2 2026 filing, Washita Valley Bank reported total assets of $68.8 million in its FFIEC call report.
Where is Washita Valley Bank headquartered?
It is headquartered in Fort Cobb, OK, United States.
When was Washita Valley Bank founded?
It was established in 1902, per the FDIC institution directory.
Is Washita Valley Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #2308). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Washita Valley Bank?
Washita Valley Bank's primary federal regulator is the FDIC.
How many branches does Washita Valley 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 Valley Bank's Texas Ratio?
Its Texas Ratio is 28.39% 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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