The Bank of the West
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Data as of · sourced from FFIEC call reports. How we update
The Bank of the West is an FDIC-insured commercial bank headquartered in Thomas, OK, established in 1984 (FDIC certificate 25703), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $192.4M, up 8.3% from Q2 2025, the 102nd largest of 169 banks headquartered in Oklahoma. Its CET1 capital ratio was 12.72% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 25703
- Headquarters
- Thomas, OK
- Established
- 1984
- Total assets, Q2 2026
- $192.4M
- Assets vs Q2 2025
- +8.3%
- CET1 ratio, Q2 2026
- 12.72%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 103112073
- Latest call report
- Q2 2026, FFIEC 051 · The Bank of the West call report
- Holding company
- BANCWEST, INC.
- Asset rank in state
- 102nd of 169 in Oklahoma
Problem loans are rising at The Bank of the West. Its balance sheet stood at $192 million at June 30, 2026, up 8.3% from a year earlier; it is based in Thomas, Oklahoma. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 2.22% of loans from 0.53% a year earlier. It holds commercial real estate loans worth 2.9 times its capital, 2.4 times the median of 1.2 times for the 2,660 banks with $100 million to $1 billion in assets. It also carries problem assets equal to 13.5% of the capital and reserves that would absorb them, 5.1 times the median of 2.6% for banks its size.
Delinquency has appeared in its $16 million commercial and industrial book: 19.01% of those loans are past due or on nonaccrual, against almost none a year earlier. Deposits are coming in faster than loans: over the year loans rose 1.1% and deposits rose 10.7%. Where it has less room is capital: it holds common equity equal to 12.72% of its risk-weighted assets, lower than about three-quarters of banks its size (median 15.12%).
As of June 30, 2026, The Bank of the West reported a CET1 capital ratio of 12.72%, a return on assets of 1.92%, a nonperforming-loan ratio of 2.22% and a Texas ratio of 13.54%. The figures come from its call report filed with the FFIEC.
The Bank of the West ranks as the 102nd largest of the 169 banks based in Oklahoma, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 4.3% to $192.4M, loans fell 7.5% and deposits rose 4.7%. Construction and land development loans made up 35.1% of its total loans on June 30, 2026, its largest category; next came agricultural production loans at 20.1%. Its 4 offices in the FDIC Summary of Deposits are in 4 cities in OK; its Thomas office books 48% of its branch deposits. Judged on its Q2 2026 call report, The Bank of the West meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 101 S Main St, Thomas, OK 73669
- County
- Custer
- Metro Area
- Weatherford, OK
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- October 19, 1984
- Former names
- The Bank of the West (1988)
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 29
- Domestic deposits
- $171.2M
- Allowance for credit losses
- $2.4M
- Net charge-offs (YTD)
- -$4K
- Average total assets
- $188.7M
- Average total loans
- $140.8M
- Average interest-bearing deposits
- $127.3M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- October 19, 1984
- FDIC Cert
- 25703
- Fed RSSD
- 401755
- Website
- www.botw.bank →
- Parent Holding Company
- BANCWEST, INC. (RSSD 1993547)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, The Bank of the West's total assets ranged from $161.3M (Q4 2023) to $192.4M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$192.4M total assets against $177.7M; $172.6M total liabilities against $156.0M.
$132.6M net loans and leases against $131.1M; $171.2M total deposits against $154.6M.
$0 securities against $0; $52.8M cash and balances due against $39.8M.
$2.9M total interest income against $3.1M; $916K total interest expense against $967K.
$2.0M net interest income against $2.1M.
$112K total noninterest income against $109K; $1.2M total noninterest expense against $1.2M.
$0 provision for credit losses against $0.
$905K net income against $1.0M.
1.92% return on assets against 2.33%; 4.40% net interest margin against 4.97%.
12.72% CET1 capital ratio against 13.96%; 10.49% tier 1 leverage ratio against 12.40%.
Inside the full The Bank of the West terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
The Bank of the West rankings
Its closest position to the top of a national ranking is 375 of 3,640, for Texas Ratio; its furthest is 3,014 of 4,196, for total assets.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.40% (Q4 2024) to 2.74% (Q3 2024) and its net interest margin ran from 4.40% (Q2 2026) to 5.49% (Q3 2024).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.72% | 1.92% | 2.22% | 13.54% | 4.40% |
| Q1 2026 | 11.97% | 2.18% | 2.06% | 13.59% | 4.71% |
| Q4 2025 | 12.68% | 2.23% | 1.93% | 12.36% | 4.77% |
| Q3 2025 | 13.00% | 2.47% | 2.52% | 15.25% | 4.98% |
| Q2 2025 | 13.96% | 2.33% | 0.53% | 2.94% | 4.97% |
| Q1 2025 | 13.47% | 2.50% | 0.51% | 2.98% | 5.03% |
| Q4 2024 | 12.76% | 1.40% | 0.76% | 4.67% | 5.29% |
| Q3 2024 | 12.64% | 2.74% | 0.52% | 3.28% | 5.49% |
Swipe the table sideways to see every column.
Branch Network
View all 4 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| The Bank of the West | Thomas , OK | 73669 | $82.8M |
| Wheatland Plaza Branch | Clinton , OK | 73601 | $43.4M |
| 401 South Main Street Branch | Leedey , OK | 73654 | $38.6M |
| 4801 Gaillardia, Suite 190 Branch | Oklahoma City , OK | 73142 | $6.5M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| June 6, 1997 | Structure Change | Acquired The First National Bank of Leedey Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 5, 1997 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 13, 1988 | Structure Change | Acquired Citizens National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 12, 1988 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 22, 1984 | Structure Change | Acquired American State Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| October 19, 1984 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 6 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in OK, rank 114 of 192 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about The Bank of the West
What are The Bank of the West's total assets?
As of the Q2 2026 filing, The Bank of the West reported total assets of $192.4 million in its FFIEC call report.
Where is The Bank of the West headquartered?
It is headquartered in Thomas, OK, United States.
When was The Bank of the West founded?
It was established in 1984, per the FDIC institution directory.
Is The Bank of the West FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #25703). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Bank of the West?
The Bank of the West's primary federal regulator is the FDIC.
What is The Bank of the West's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 12.72% in its Q2 2026 call report, above regulatory requirements.
How many branches does The Bank of the West operate?
It operates 4 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Bank of the West's Texas Ratio?
Its Texas Ratio is 13.54% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was The Bank of the West previously called?
The charter now named The Bank of the West has also operated as The Bank of the West (1988), per FDIC structure-change records.
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