Washita Valley Bank: how it compares with its peers
Against 44 OK banks with half to twice its assets, Washita Valley Bank's strongest measure in Q2 2026 is efficiency ratio (55.28% vs. a 61.66% peer median). Its weakest relative measure is return on assets (1.11% vs. 1.51%).
| Measure | Washita Valley Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.11% | 1.51% | Bottom third Ahead of 30% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.38% | 4.27% | Middle third Ahead of 55% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 55.28% | 61.66% | Top third Ahead of 70% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.3M | $5.4M | Top third Ahead of 70% of peers |
| Loans to deposits Net loans and leases over total deposits. | 50.18% | 65.94% | Context |
What it means for lending operations
Its efficiency ratio of 55.28% is better than the 61.66% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Walters Bank and Trust Company Walters, OK · $70M
- COMMUNITY BANK OF OKLAHOMA Verden, OK · $67M
- Oklahoma State Bank Buffalo, OK · $67M
- Latimer State Bank Wilburton, OK · $66M
- Fairview Savings and Loan Association Fairview, OK · $65M
Questions about Washita Valley Bank
How big is Washita Valley Bank?
Washita Valley Bank, established in 1902, is headquartered in Fort Cobb, OK. It reported $69M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is Washita Valley Bank's return on assets?
1.11% annualized in Q2 2026, against a 1.51% median for 44 OK banks with half to twice its assets, ahead of 30% of them.
What is Washita Valley Bank's efficiency ratio?
55.28% in Q2 2026: it spent about 55 cents in noninterest expense for each dollar of revenue. The peer median is 61.66%, and lower is better.
Is Washita Valley Bank growing its loans?
Net loans grew 8.6% over the year to Q2 2026, while deposits grew 6.4%.
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.