| Metric | Washita Valley Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.2% | +3.0% | +3.2 pts |
| Deposit growth (YoY) | +6.4% | +2.5% | +3.9 pts |
| Loan growth (YoY) | +8.6% | +2.6% | +6.0 pts |
| ROA | 1.11% | 0.99% | +0.1 pts |
| ROE | 8.9% | 8.1% | +0.8 pts |
ROA ranks in the 57th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $68.8M | $60.0M | $30.1M | $8.4M | $370K | 1.11% | 4.38% | 3.65% |
| Q1 2026 | $70.6M | $61.8M | $29.0M | $8.3M | $206K | 1.25% | 4.33% | 5.42% |
| Q4 2025 | $61.0M | $52.5M | $31.1M | $8.2M | $453K | 0.73% | 4.04% | 5.91% |
| Q3 2025 | $63.3M | $54.7M | $29.6M | $8.2M | $354K | 0.75% | 3.89% | 5.73% |
| Q2 2025 | $64.8M | $56.4M | $27.7M | $8.1M | $216K | 0.69% | 3.73% | 5.70% |
| Q1 2025 | $63.6M | $55.0M | $29.4M | $8.2M | $120K | 0.78% | 3.95% | 2.56% |
| Q4 2024 | $59.0M | $50.6M | $29.9M | $8.0M | $605K | 1.03% | 4.23% | 2.87% |
| Q3 2024 | $59.1M | $50.5M | $27.9M | $8.2M | $505K | 1.14% | 4.23% | 1.71% |
Loan mix (Q2 2026): real estate $10.0M · commercial $4.0M · consumer $5.9M · securities $22.7M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Washita Valley Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.11% | 0.99% | 57th | |
Return on equity Annualized net income ÷ equity or net worth | 8.9% | 8.1% | 55th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.38% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 55.3% | 70.8% | 18th |
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 Valley 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 Valley 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 Valley 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 Valley 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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