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204 Hazlett Street
Fort Cobb, OK 73038

Washita Valley Bank is headquartered in Fort Cobb and is the 198th largest bank in the state of Oklahoma. It is also the 6,274th largest bank in the nation. It was established in 1902 and as of December of 2013, it had grown to 11 employees at 1 location. Washita Valley Bank has a B+ health rating.

Reviews (1)

Best Bank Ever.

They are the friendlyest place I've ever banked


Data for Q4 2013

Institution Health

Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. Washita Valley Bank has a low asset base.

Texas Ratio


The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 Washita Valley Bank had $57,000 in non-current loans and owned real-estate with $6.52 million in equity and loan loss allowances on hand to cover it. This gives Washita Valley Bank a Texas Ratio of 0.87% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Washita Valley Bank decreased dramatically from 4.64% as of December 31, 2012 to 0.87% as of December 31, 2013, resulting in a positive change of 81.16%.This indicates that the balance sheet and financial strength for Washita Valley Bank has improved dramatically in recent periods.

Deposit Growth


In the past year, Washita Valley Bank has increased its total deposits by $1.58 million, resulting in 4.92% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Washita Valley Bank has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Washita Valley Bank has $40.34 million in assets with $6.52 million in equity, resulting in a capitalization level of 16.16%, which is excellent.

Institution Statistics

FDIC Certificate #2308
Year Established1902
Primary RegulatorFDIC
Assets and Liabilities
Assets$40.34 million
Loans$17.86 million
Deposits$33.79 million
Equity Capital$6.44 million
Loan Loss Allowance$79,000
Unbacked Noncurrent Loans$57,000
Real Estate Owned$0
Historic Data - December 2012
Assets$38.48 million
Equity Capital$6.22 million
Loan Loss Allowance$89,000
Unbacked Noncurrent Loans$57,000
Real Estate Owned$0
Profit Margin - Quarterly
Net Interest Margin4.53%
Return on Assets1.4%
Return on Equity8.79%
Interest Income$1.84 million

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Washita Valley Bank Locations
Washita Valley Bank204 Hazlett StreetFort Cobb, OK 73038