Washita Valley Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Non-performing loans to loans: 2.94 percentage points lower than in Q1 2026, at 7.90%. Washita Valley Bank ranks 131st of 169 Oklahoma banks on return on assets, in the lower half at 0.95% (Q2 2026). Washita Valley Bank reported 0.95% on return on assets for Q2 2026, 0.03 points below the 0.98% median for banks in the < $100M asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 12.27% |
| Equity capital to assets | 12.27% |
| Tangible equity to tangible assets | 12.27% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 7.90% |
| Non-performing assets ratio | 3.50% |
| Net charge-off ratio | 3.96% |
| Texas ratio | 28.39% |
| Allowance for credit losses to loans | 1.30% |
| Reserve coverage of non-performing loans | 16.47% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.95% |
| Return on equity | 7.81% |
| Net interest margin | 4.46% |
| Efficiency ratio | 53.97% |
| Yield on earning assets | 5.92% |
| Cost of funds | 1.73% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 50.84% |
| Core deposits to total deposits | 99.57% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 87.20% |
| Securities to assets | 33.00% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | — | — | — | 13.51% | 1.06% |
| Q4 2023 | — | — | — | 13.58% | -0.28% |
| Q1 2024 | — | — | — | 13.31% | 0.95% |
| Q2 2024 | — | — | — | 12.95% | 1.27% |
| Q3 2024 | — | — | — | 13.77% | 1.12% |
| Q4 2024 | — | — | — | 14.01% | 0.68% |
| Q1 2025 | — | — | — | 12.87% | 0.76% |
| Q2 2025 | 18.31% | 18.31% | 19.56% | 12.54% | 0.60% |
| Q3 2025 | — | — | — | 12.89% | 0.87% |
| Q4 2025 | 17.33% | 17.33% | 18.58% | 12.97% | 0.63% |
| Q1 2026 | — | — | — | 12.38% | 1.19% |
| Q2 2026 | — | — | — | 12.27% | 0.95% |
Washita Valley Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Washita Valley Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Washita Valley Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 2308) · FFIEC NIC profile (RSSD 184759)