Washita Valley Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Washita Valley Bank of Fort Cobb, OK against its peer group of 506 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 | 0.95% | 3.13% | -2.18% | 45th below |
| ROAE | 7.81% | 10.31% | -2.50% | 48th below |
| Net Interest Margin | 4.46% | 3.94% | +0.52% | 73rd above |
| Efficiency Ratio | 53.97% | 76.36% | -22.39% | 81st top |
| PPNR / Avg Assets | 1.96% | 1.40% | +0.56% | 77th top |
| Yield on Earning Assets | 5.92% | 5.35% | +0.57% | 74th above |
| Cost of Funds | 1.73% | 1.70% | +0.03% | 40th below |
| Net Interest Spread | 4.27% | 3.32% | +0.95% | 84th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 7.90% | 1.32% | +6.58% | 3rd bottom |
| NPA / Total Assets | 3.50% | 0.71% | +2.79% | 4th bottom |
| NCO / Avg Loans | 3.96% | 0.09% | +3.87% | 1st bottom |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.30% | 1.49% | -0.19% | 56th above |
| ACL / NPLs (Coverage) | 16.47% | 867.56% | -851.09% | 3rd bottom |
| Texas Ratio | 28.39% | 8.22% | +20.17% | 5th bottom |
| Provision / NCO | 43.01% | 291.12% | -248.11% | 48th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 12.27% | 17.65% | -5.38% | 41st below |
| Equity / Assets | 12.27% | 16.46% | -4.19% | 48th below |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 12.27% | 16.20% | -3.93% | 51st above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 50.84% | 72.88% | -22.04% | 71st above |
| Core Deposit Ratio | 99.57% | 88.25% | +11.32% | 93rd top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 6.15% | 4.26% | +1.89% | 69th above |
| Loan Growth (Y/Y) | 7.50% | 6.75% | +0.75% | 71st above |
| Deposit Growth (Y/Y) | 6.36% | 3.72% | +2.64% | 72nd above |
See Washita Valley Bank's peers by name
The 506 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Washita Valley 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 Valley Bank profile, how to read a UBPR, or how this data updates.