BlastPoint's Banking Scorecard
Washita Valley Bank
Micro
Specialty: Agricultural
OK
FDIC cert 2308
Designations: ✓ Community bank
Fort Cobb, OK
2498
banks in Micro tier nationally
121 in OK
View Micro leaderboard (OK) →
Washita Valley Bank faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Delinquency Rate 10.64% above tier
- - Nonperforming Asset Ratio 5.46% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$61.0M
+3.5% YoY
-3.5% QoQ
|
-$156.4M |
$217.5M
+2.3% YoY
|
$1.2B
+6.0% YoY
|
$5.9B
+6.5% YoY
|
Bottom 10% in tier |
| Total Loans ? |
$31.1M
+4.3% YoY
+5.1% QoQ
|
-$108.0M |
$139.2M
+2.8% YoY
|
$796.2M
+5.4% YoY
|
$3.1B
+8.5% YoY
|
Bottom 11% in tier |
| Total Deposits ? |
$52.5M
+3.8% YoY
-4.0% QoQ
|
-$131.2M |
$183.7M
+1.8% YoY
|
$938.6M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
Bottom 11% in tier |
| Return on Assets ? |
0.73%
-29.2% YoY
-3.5% QoQ
|
-0.36% |
1.08%
+14.7% YoY
|
1.36%
+10.0% YoY
|
1.12%
+15.6% YoY
|
29% |
| Net Interest Margin ? |
4.04%
-4.4% YoY
+4.0% QoQ
|
+0.19% |
3.85%
+6.6% YoY
|
4.26%
+3.2% YoY
|
3.75%
+7.1% YoY
|
60% |
| Efficiency Ratio ? |
69.82%
+6.1% YoY
+1.2% QoQ
|
+2.10% |
67.73%
-4.8% YoY
|
63.62%
-4.9% YoY
|
65.09%
-5.1% YoY
|
40% |
| Delinquency Rate ? |
11.28%
+111.1% YoY
-5.3% QoQ
|
+10.64% |
0.64%
+24.4% YoY
|
0.95%
+12.2% YoY
|
0.66%
+20.3% YoY
|
Bottom 1% in tier |
| Loan-to-Deposit Ratio ? |
59.33%
+0.5% YoY
+9.5% QoQ
|
-15.20% |
74.53%
+0.5% YoY
|
75.78%
+1.6% YoY
|
78.04%
+0.7% YoY
|
23% |
| Non-Interest-Bearing Deposit Share ? |
17.23%
-6.9% YoY
+4.6% QoQ
|
-5.16% |
22.39%
-1.3% YoY
|
23.21%
-2.4% YoY
|
21.79%
-1.3% YoY
|
31% |
| Nonperforming Asset Ratio ? |
5.91%
+106.0% YoY
+3.2% QoQ
|
+5.46% |
0.45%
+25.1% YoY
|
0.71%
+9.7% YoY
|
0.48%
+20.8% YoY
|
Bottom 1% in tier |
| Tier 1 Capital Ratio ? | 17.33% | +8.48% |
8.85%
-3.4% YoY
|
7.74%
-5.6% YoY
|
9.75%
-1.9% YoY
|
80% |
| Non-Interest Income / Assets ? |
0.36%
-20.9% YoY
+32.3% QoQ
|
-0.21% |
0.56%
+0.3% YoY
|
0.68%
-3.1% YoY
|
0.65%
+0.6% YoY
|
50% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Delinquency Rate
metric
Bottom 1%
in Micro
Why this stands out
Current:
11.28%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 1%
in Micro
Why this stands out
Current:
5.91%
(Tier avg: 0.45%, National avg: 0.48%)
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
80
80th pctile
Tier 1 Capital Ratio
Current: 17.33% · Tier avg: 8.85%
60
60th pctile
Net Interest Margin
Current: 4.04% · Tier avg: 3.85%
50
50th pctile
Non-Interest Income / Assets
Current: 0.36% · Tier avg: 0.56%
40
40th pctile
Efficiency Ratio
Current: 69.82% · Tier avg: 67.73%
31
31th pctile
Non-Interest-Bearing Deposit Share
Current: 17.23% · Tier avg: 22.39%
29
29th pctile
Return on Assets
Current: 0.73% · Tier avg: 1.08%
23
23th pctile
Loan-to-Deposit Ratio
Current: 59.33% · Tier avg: 74.53%
11
11th pctile
Total Deposits
Current: $52.5M · Tier avg: $183.7M
11
11th pctile
Total Loans
Current: $31.1M · Tier avg: $139.2M
10
10th pctile
Total Assets
Current: $61.0M · Tier avg: $217.5M
0
0th pctile
Delinquency Rate
Current: 11.28% · Tier avg: 0.64%
0
0th pctile
Nonperforming Asset Ratio
Current: 5.91% · Tier avg: 0.45%
Top Weaknesses
0
0th pctile
Nonperforming Asset Ratio
Current: 5.91% · Tier avg: 0.45%
0
0th pctile
Delinquency Rate
Current: 11.28% · Tier avg: 0.64%
10
10th pctile
Total Assets
Current: $61.0M · Tier avg: $217.5M
11
11th pctile
Total Loans
Current: $31.1M · Tier avg: $139.2M
11
11th pctile
Total Deposits
Current: $52.5M · Tier avg: $183.7M
23
23th pctile
Loan-to-Deposit Ratio
Current: 59.33% · Tier avg: 74.53%
29
29th pctile
Return on Assets
Current: 0.73% · Tier avg: 1.08%
31
31th pctile
Non-Interest-Bearing Deposit Share
Current: 17.23% · Tier avg: 22.39%
40
40th pctile
Efficiency Ratio
Current: 69.82% · Tier avg: 67.73%
50
50th pctile
Non-Interest Income / Assets
Current: 0.36% · Tier avg: 0.56%
60
60th pctile
Net Interest Margin
Current: 4.04% · Tier avg: 3.85%
80
80th pctile
Tier 1 Capital Ratio
Current: 17.33% · Tier avg: 8.85%