| Metric | Washita State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -6.5% | +3.0% | -9.5 pts |
| Deposit growth (YoY) | -7.4% | +2.5% | -9.9 pts |
| Loan growth (YoY) | -2.7% | +2.6% | -5.3 pts |
| ROA | 0.20% | 0.99% | -0.8 pts |
| ROE | 1.3% | 8.1% | -6.7 pts |
ROA ranks in the 16th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $44.3M | $35.7M | $29.8M | $6.5M | $43K | 0.20% | 4.35% | 2.28% |
| Q1 2026 | $43.8M | $35.3M | $27.6M | $6.4M | $-2K | -0.02% | 4.33% | 0.59% |
| Q4 2025 | $43.5M | $35.0M | $29.6M | $6.5M | $14K | 0.03% | 4.63% | 0.61% |
| Q3 2025 | $46.3M | $37.5M | $29.1M | $6.7M | $256K | 0.77% | 4.67% | 2.53% |
| Q2 2025 | $47.3M | $38.5M | $30.6M | $6.6M | $204K | 0.93% | 4.77% | 3.27% |
| Q1 2025 | $43.0M | $36.4M | $29.6M | $6.5M | $104K | 0.98% | 4.78% | 3.11% |
| Q4 2024 | $41.7M | $35.1M | $27.9M | $6.6M | $734K | 1.56% | 4.31% | 1.03% |
| Q3 2024 | $43.9M | $37.1M | $26.0M | $6.7M | $599K | 1.65% | 4.18% | 0.62% |
Loan mix (Q2 2026): real estate $18.3M · commercial $7.6M · consumer $1.2M · securities $8.5M
| Ratio | Washita State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.20% | 0.99% | 16th | |
Return on equity Annualized net income ÷ equity or net worth | 1.3% | 8.1% | 16th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.35% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 92.2% | 70.8% | 84th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Washita State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Washita State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Washita State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Washita State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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