Washita State Bank: how it compares with its peers
Against 30 OK banks with half to twice its assets, Washita State Bank's strongest measure in Q2 2026 is assets per employee ($6.3M vs. a $4.4M peer median). Its weakest relative measure is return on assets (0.20% vs. 1.24%).
| Measure | Washita State Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.20% | 1.24% | Bottom third Ahead of 17% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.35% | 4.31% | Middle third Ahead of 53% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 92.18% | 65.78% | Bottom third Ahead of 17% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.3M | $4.4M | Top third Ahead of 80% of peers |
| Loans to deposits Net loans and leases over total deposits. | 83.39% | 61.24% | Context |
What it means for lending operations
Its efficiency ratio of 92.18% is above the 65.78% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- 1st Bank in Hominy Hominy, OK · $45M
- First American Bank Stonewall, OK · $34M
- Lakeside Bank of Salina Salina, OK · $55M
- First Summit Bank Ryan, OK · $34M
- The First State Bank of Pond Creek, Oklahoma Pond Creek, OK · $55M
- The First Farmers National Bank of Waurika Waurika, OK · $56M
Questions about Washita State Bank
How big is Washita State Bank?
Washita State Bank, established in 1977, is headquartered in Burns Flat, OK. It reported $44M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is Washita State Bank's return on assets?
0.20% annualized in Q2 2026, against a 1.24% median for 30 OK banks with half to twice its assets, ahead of 17% of them.
What is Washita State Bank's efficiency ratio?
92.18% in Q2 2026: it spent about 92 cents in noninterest expense for each dollar of revenue. The peer median is 65.78%, and lower is better.
Is Washita State Bank growing its loans?
Net loans shrank 2.7% over the year to Q2 2026, while deposits shrank 7.4%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are OK banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Oklahoma bank ranked.