BlastPoint's Banking Scorecard
Washita State Bank
Micro
Specialty: Commercial
OK
FDIC cert 22430
Designations: ✓ Community bank
Burns Flat, OK
2498
banks in Micro tier nationally
121 in OK
View Micro leaderboard (OK) →
Washita State Bank faces 3 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Return on Assets 1.05% below tier
- - Efficiency Ratio 28.49% above tier
- - Non-Interest Income / Assets 0.49% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$43.5M
+4.3% YoY
-5.9% QoQ
|
-$173.9M |
$217.5M
+2.3% YoY
|
$1.2B
+6.0% YoY
|
$5.9B
+6.5% YoY
|
Bottom 6% in tier |
| Total Loans ? |
$29.6M
+6.2% YoY
+1.6% QoQ
|
-$109.6M |
$139.2M
+2.8% YoY
|
$796.2M
+5.4% YoY
|
$3.1B
+8.5% YoY
|
Bottom 10% in tier |
| Total Deposits ? |
$35.0M
-0.2% YoY
-6.6% QoQ
|
-$148.6M |
$183.7M
+1.8% YoY
|
$938.6M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
Bottom 6% in tier |
| Return on Assets ? |
0.03%
-98.0% YoY
-95.9% QoQ
|
-1.05% |
1.08%
+14.7% YoY
|
1.36%
+10.0% YoY
|
1.12%
+15.6% YoY
|
Bottom 7% in tier |
| Net Interest Margin ? |
4.63%
+7.4% YoY
-0.8% QoQ
|
+0.78% |
3.85%
+6.6% YoY
|
4.26%
+3.2% YoY
|
3.75%
+7.1% YoY
|
83% |
| Efficiency Ratio ? |
96.22%
+58.8% YoY
+20.4% QoQ
|
+28.49% |
67.73%
-4.8% YoY
|
63.62%
-4.9% YoY
|
65.09%
-5.1% YoY
|
Bottom 6% in tier |
| Delinquency Rate ? |
0.90%
-42.0% YoY
-77.6% QoQ
|
+0.26% |
0.64%
+24.4% YoY
|
0.95%
+12.2% YoY
|
0.66%
+20.3% YoY
|
31% |
| Loan-to-Deposit Ratio ? |
84.51%
+6.5% YoY
+8.9% QoQ
|
+9.99% |
74.53%
+0.5% YoY
|
75.78%
+1.6% YoY
|
78.04%
+0.7% YoY
|
33% |
| Non-Interest-Bearing Deposit Share ? |
12.78%
+0.7% YoY
+9.8% QoQ
|
-9.62% |
22.39%
-1.3% YoY
|
23.21%
-2.4% YoY
|
21.79%
-1.3% YoY
|
17% |
| Nonperforming Asset Ratio ? |
0.61%
-41.0% YoY
-75.8% QoQ
|
+0.16% |
0.45%
+25.1% YoY
|
0.71%
+9.7% YoY
|
0.48%
+20.8% YoY
|
32% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
7.74%
-5.6% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.07%
-61.9% YoY
+83.0% QoQ
|
-0.49% |
0.56%
+0.3% YoY
|
0.68%
-3.1% YoY
|
0.65%
+0.6% YoY
|
Bottom 5% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (3)
Return on Assets
metric
Bottom 7%
in Micro
Why this stands out
Current:
0.03%
(Tier avg: 1.08%, National avg: 1.12%)
Efficiency Ratio
metric
Bottom 6%
in Micro
Why this stands out
Current:
96.22%
(Tier avg: 67.73%, National avg: 65.09%)
Non-Interest Income / Assets
metric
Bottom 5%
in Micro
Why this stands out
Current:
0.07%
(Tier avg: 0.56%, National avg: 0.65%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
83
83th pctile
Net Interest Margin
Current: 4.63% · Tier avg: 3.85%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
33
33th pctile
Loan-to-Deposit Ratio
Current: 84.51% · Tier avg: 74.53%
32
32th pctile
Nonperforming Asset Ratio
Current: 0.61% · Tier avg: 0.45%
31
31th pctile
Delinquency Rate
Current: 0.90% · Tier avg: 0.64%
17
17th pctile
Non-Interest-Bearing Deposit Share
Current: 12.78% · Tier avg: 22.39%
10
10th pctile
Total Loans
Current: $29.6M · Tier avg: $139.2M
7
7th pctile
Return on Assets
Current: 0.03% · Tier avg: 1.08%
6
6th pctile
Efficiency Ratio
Current: 96.22% · Tier avg: 67.73%
6
6th pctile
Total Deposits
Current: $35.0M · Tier avg: $183.7M
6
6th pctile
Total Assets
Current: $43.5M · Tier avg: $217.5M
5
5th pctile
Non-Interest Income / Assets
Current: 0.07% · Tier avg: 0.56%
Top Weaknesses
5
5th pctile
Non-Interest Income / Assets
Current: 0.07% · Tier avg: 0.56%
6
6th pctile
Total Assets
Current: $43.5M · Tier avg: $217.5M
6
6th pctile
Total Deposits
Current: $35.0M · Tier avg: $183.7M
6
6th pctile
Efficiency Ratio
Current: 96.22% · Tier avg: 67.73%
7
7th pctile
Return on Assets
Current: 0.03% · Tier avg: 1.08%
10
10th pctile
Total Loans
Current: $29.6M · Tier avg: $139.2M
17
17th pctile
Non-Interest-Bearing Deposit Share
Current: 12.78% · Tier avg: 22.39%
31
31th pctile
Delinquency Rate
Current: 0.90% · Tier avg: 0.64%
32
32th pctile
Nonperforming Asset Ratio
Current: 0.61% · Tier avg: 0.45%
33
33th pctile
Loan-to-Deposit Ratio
Current: 84.51% · Tier avg: 74.53%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
83
83th pctile
Net Interest Margin
Current: 4.63% · Tier avg: 3.85%