BANK OF WESTERN OKLAHOMA

ELK CITY, OK | Small | Est. April 1, 1908, midnight | FDIC #4087 | RSSD #175056 | FED
Latest Report: 2025-12-31

BANK OF WESTERN OKLAHOMA is asn small FDIC-insured commercial bank headquartered in ELK CITY, OK, established in April 1, 1908, midnight. As of 2025-12-31, the bank reported total assets of $463M and total deposits of $420M. Profitability stands at 1.26% ROA and 14.93% ROE, with a net interest margin of 5.65%. The bank's CET1 capital ratio is 10.36%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.28% and a Texas Ratio of 3.35%. FDIC Certificate #4087.

Assets

$463M

Deposits

$420M

Loans

$378M

Equity

$39M

Profitability

Return on Assets (ROA) 1.26%
Return on Equity (ROE) 14.93%
Net Interest Margin (NIM) 5.65%
Yield on Assets 8.05%
Cost of Funds 2.44%

Asset Quality

NPL Ratio 0.28%
Net Charge-Off Ratio 0.35%
Texas Ratio 3.35%
NPA Ratio 0.31%
ACL / Loans 0.94%

Capital & Liquidity

CET1 Ratio 10.36%
Tier 1 Capital 10.36%
Total Capital Ratio 11.39%
Leverage Ratio 7.82%
Loan-to-Deposit 90.01%

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