Washita Valley Bank is a state-chartered bank headquartered in Fort Cobb, Oklahoma, in business for about 124 years. At the end of Q2 2026 it reported $68.8M in total assets and $60.0M in deposits, with 1 office.
Washita Valley Bank has a TellerScore of 52 out of 100 (below average) based on Q2 2026 data — higher than only 11% of its 546 banks with under $100 million in assets. Among 170 banks headquartered in Oklahoma, it ranks 143rd. Funding & liquidity contributes the most (88/100, 50% loans-to-deposits, 26% uninsured); loan quality contributes the least (0/100, 8.23%).
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 rose 5 points (47 → 52), mostly because the problem-loan coverage component improved by 28 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 59 |
| Q3 2024 | 62 |
| Q4 2024 | 60 |
| Q1 2025 | 54 |
| Q2 2025 | 47 |
| Q3 2025 | 50 |
| Q4 2025 | 50 |
| Q1 2026 | 51 |
| Q2 2026 | 52 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 12.95% |
| Q3 2024 | 13.77% |
| Q4 2024 | 14.01% |
| Q1 2025 | 12.87% |
| Q2 2025 | 12.54% |
| Q3 2025 | 12.89% |
| Q4 2025 | 12.97% |
| Q1 2026 | 12.38% |
| Q2 2026 | 12.27% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 3.57% |
| Q3 2024 | 3.20% |
| Q4 2024 | 5.24% |
| Q1 2025 | 5.10% |
| Q2 2025 | 12.67% |
| Q3 2025 | 11.67% |
| Q4 2025 | 11.05% |
| Q1 2026 | 12.94% |
| Q2 2026 | 8.23% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.15% |
| Q3 2024 | 1.14% |
| Q4 2024 | 1.03% |
| Q1 2025 | 0.78% |
| Q2 2025 | 0.69% |
| Q3 2025 | 0.75% |
| Q4 2025 | 0.73% |
| Q1 2026 | 1.25% |
| Q2 2026 | 1.11% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 52 | $68.8M | 12.27% | 8.23% | 1.11% | 50.2% |
| Q1 2026 | 51 | $70.6M | 12.38% | 12.94% | 1.25% | 46.9% |
| Q4 2025 | 50 | $61.0M | 12.97% | 11.05% | 0.73% | 59.3% |
| Q3 2025 | 50 | $63.3M | 12.89% | 11.67% | 0.75% | 54.2% |
| Q2 2025 | 47 | $64.8M | 12.54% | 12.67% | 0.69% | 49.1% |
| Q1 2025 | 54 | $63.6M | 12.87% | 5.10% | 0.78% | 53.4% |
| Q4 2024 | 60 | $59.0M | 14.01% | 5.24% | 1.03% | 59.1% |
| Q3 2024 | 62 | $59.1M | 13.77% | 3.20% | 1.14% | 55.2% |
| Q2 2024 | 59 | $60.7M | 12.95% | 3.57% | 1.15% | 51.7% |
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 |
|---|---|---|---|---|---|
| Walters Bank and Trust CompanyBank Walters, OK | 99 out of 100, Very strong | $70.3M | 20.0% | 0.06% | vs |
| Community Bank of OklahomaBank Verden, OK | 63 out of 100, Moderate | $67.3M | 12.1% | 1.83% | vs |
| Oklahoma State BankBank Buffalo, OK | 69 out of 100, Moderate | $66.7M | 10.4% | 1.47% | vs |
| The First National Bank in MarlowBank Marlow, OK | 73 out of 100, Strong | $71.8M | 8.2% | 0.00% | vs |
| Latimer State BankBank Wilburton, OK | 90 out of 100, Very strong | $65.5M | 25.0% | 0.83% | vs |
| Fairview Savings and Loan AssociationBank Fairview, OK | 92 out of 100, Very strong | $65.1M | 20.8% | 0.00% | vs |
Deposit insurance
Is my money safe at Washita Valley Bank?
Yes. Washita Valley Bank is an FDIC-insured institution (FDIC certificate #2308). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 26.1% of deposits ($15.7M) are above the $250,000 FDIC insurance limit, above the peer median of 16%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 12.27%, 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 Valley Bank lists 1 office in 1 city. Most locations:
- Fort Cobb, OK (1)
Identity & history
Profile
- Legal name
- Washita Valley Bank
- Former names
- The Washita Valley Bank
- Type
- State-chartered bank
- FDIC certificate #
- 2308
- RSSD ID
- 184759
- Primary regulator
- FDIC
- Holding company
- Fort Cobb Bancshares Inc
- Established
- July 9, 1902
- Headquarters
- 204 N Hazlett St, Fort Cobb, OK 73038
- Employees
- 11
Quick answers
Washita Valley Bank: common questions
Is Washita Valley Bank FDIC insured?
Yes. Washita Valley Bank is an FDIC-insured institution (FDIC certificate #2308). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Washita Valley Bank's TellerScore?
52 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 Valley Bank ever failed?
There is no failure record for FDIC certificate #2308 in the FDIC failed bank list.
How many branches does Washita Valley Bank have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Fort Cobb
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Liberty National BankBank Lawton, OK | 84 out of 100, Strong | $1.3B | 10.3% | 0.02% | vs |
| Shamrock Bank, N.A.Bank Coalgate, OK | 79 out of 100, Strong | $501.5M | 10.8% | 0.29% | vs |
| Bank of HydroBank Hydro, OK | 76 out of 100, Strong | $180.8M | 11.6% | 0.64% | vs |
| First State BankBank Anadarko, OK | 74 out of 100, Strong | $139.6M | 11.2% | 0.34% | vs |
| Cooperative EmployeesCredit union Anadarko, OK | 73 out of 100, Strong | $10.0M | 10.4% | 0.00% | vs |
| The Farmers BankBank Carnegie, OK | 69 out of 100, Moderate | $139.6M | 11.6% | 0.32% | vs |