A method for determining a loading of a wideband communications channel in a wireless communications system includes: setting up a loading table for the wideband communications channel comprising a plurality of narrow band communications channels; obtaining channel characteristics of the plurality of narrow band communications channels; deciding on a number of data streams and a practical bandwidth of the wideband communications channel for a data transmission transaction and selecting one or more peer communications devices for receiving the data streams; completing the data transmission transaction with the one or more peer communications devices; updating the loading table with the information about the practical bandwidth of the wideband communications channel, the number of data streams and duration of the data transmission transaction; and computing the loading by using the information in the loading table in accordance with a pre-determined formula.