Washita State Bank (FDIC certificate #22430) is based in Burns Flat, Oklahoma. Its Q2 2026 call report shows $44.3M in total assets and $35.7M in deposits and 1 office.
Washita State Bank has a TellerScore of 53 out of 100 (below average) based on Q2 2026 data — higher than only 12% of its 546 banks with under $100 million in assets. Among 170 banks headquartered in Oklahoma, it ranks 140th. Capital cushion contributes the most (96/100, 14.60%); loan quality contributes the least (0/100, 3.34%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 4 points (57 → 53), mostly because the earnings component weakened by 29 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 77 |
| Q3 2024 | 83 |
| Q4 2024 | 80 |
| Q1 2025 | 60 |
| Q2 2025 | 57 |
| Q3 2025 | 57 |
| Q4 2025 | 70 |
| Q1 2026 | 71 |
| Q2 2026 | 53 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 12.90% |
| Q3 2024 | 14.02% |
| Q4 2024 | 15.37% |
| Q1 2025 | 15.38% |
| Q2 2025 | 14.19% |
| Q3 2025 | 14.16% |
| Q4 2025 | 14.19% |
| Q1 2026 | 14.60% |
| Q2 2026 | 14.60% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 1.29% |
| Q3 2024 | 1.03% |
| Q4 2024 | 1.53% |
| Q1 2025 | 4.46% |
| Q2 2025 | 4.99% |
| Q3 2025 | 3.95% |
| Q4 2025 | 0.89% |
| Q1 2026 | 0.92% |
| Q2 2026 | 3.34% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.76% |
| Q3 2024 | 1.65% |
| Q4 2024 | 1.56% |
| Q1 2025 | 0.98% |
| Q2 2025 | 0.93% |
| Q3 2025 | 0.77% |
| Q4 2025 | 0.03% |
| Q1 2026 | -0.02% |
| Q2 2026 | 0.20% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 53 | $44.3M | 14.60% | 3.34% | 0.20% | 83.4% |
| Q1 2026 | 71 | $43.8M | 14.60% | 0.92% | -0.02% | 78.2% |
| Q4 2025 | 70 | $43.5M | 14.19% | 0.89% | 0.03% | 84.5% |
| Q3 2025 | 57 | $46.3M | 14.16% | 3.95% | 0.77% | 77.6% |
| Q2 2025 | 57 | $47.3M | 14.19% | 4.99% | 0.93% | 79.4% |
| Q1 2025 | 60 | $43.0M | 15.38% | 4.46% | 0.98% | 81.3% |
| Q4 2024 | 80 | $41.7M | 15.37% | 1.53% | 1.56% | 79.4% |
| Q3 2024 | 83 | $43.9M | 14.02% | 1.03% | 1.65% | 70.0% |
| Q2 2024 | 77 | $53.2M | 12.90% | 1.29% | 1.76% | 54.9% |
546 peers · Under $100 million in assets
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Oklahoma
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| 1st Bank in HominyBank Hominy, OK | 76 out of 100, Strong | $45.3M | 9.5% | 0.09% | vs |
| First American BankBank Stonewall, OK | 82 out of 100, Strong | $34.3M | 13.1% | 0.67% | vs |
| Lakeside Bank of SalinaBank Salina, OK | 56 out of 100, Moderate | $54.6M | 11.2% | 3.32% | vs |
| First Summit BankBank Ryan, OK | 55 out of 100, Moderate | $33.8M | 13.7% | 7.11% | vs |
| The First State Bank of Pond Creek, OklahomaBank Pond Creek, OK | 83 out of 100, Strong | $55.5M | 12.8% | 0.32% | vs |
| The First Farmers National Bank of WaurikaBank Waurika, OK | 94 out of 100, Very strong | $55.5M | 19.3% | 0.00% | vs |
Deposit insurance
Is my money safe at Washita State Bank?
Yes. Washita State Bank is an FDIC-insured institution (FDIC certificate #22430). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 15.2% of deposits ($5.4M) are above the $250,000 FDIC insurance limit, close to the peer median of 16%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 14.60%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
1 location
Branches
Washita State Bank lists 1 office in 1 city. Most locations:
- Burns Flat, OK (1)
Identity & history
Profile
- Legal name
- Washita State Bank
- Type
- State-chartered bank
- FDIC certificate #
- 22430
- RSSD ID
- 1856
- Primary regulator
- FDIC
- Established
- March 11, 1977
- Headquarters
- 701 State Highway 44, Burns Flat, OK 73624
- Website
- www.washitastatebank.com
- Employees
- 7
Quick answers
Washita State Bank: common questions
Is Washita State Bank FDIC insured?
Yes. Washita State Bank is an FDIC-insured institution (FDIC certificate #22430). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Washita State Bank's TellerScore?
53 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Washita State Bank ever failed?
There is no failure record for FDIC certificate #22430 in the FDIC failed bank list.
How many branches does Washita State Bank have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Burns Flat
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First Bank and Trust CompanyBank Clinton, OK | 96 out of 100, Very strong | $58.2M | 16.7% | 0.02% | vs |
| The First National Bank & TrustBank Elk City, OK | 88 out of 100, Very strong | $294.0M | 13.1% | 0.56% | vs |
| Oklahoma Bank and Trust CompanyBank Clinton, OK | 82 out of 100, Strong | $202.3M | 14.1% | 0.61% | vs |
| Security State BankBank Cheyenne, OK | 77 out of 100, Strong | $279.5M | 10.7% | 0.67% | vs |
| Bank of Western OklahomaBank Elk City, OK | 73 out of 100, Strong | $469.7M | 8.1% | 0.11% | vs |
| High Plains BankBank Okeene, OK | 71 out of 100, Strong | $330.2M | 10.8% | 0.97% | vs |