The Bank of the West: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 20.93 percentage points lower than in Q1 2026, at 57.59%. The Bank of the West ranks 42nd of 169 Oklahoma banks on return on assets, in the upper half at 1.92% (Q2 2026). The Bank of the West's return on assets of 1.92% is well above the 1.25% median for banks in the $100M-1B asset tier, a gap of 0.66 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 12.72% |
| Tier 1 risk-based capital ratio | 12.72% |
| Total risk-based capital ratio | 13.97% |
| Tier 1 leverage ratio | 10.49% |
| Equity capital to assets | 10.29% |
| Tangible equity to tangible assets | 10.29% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 3.03% |
| Non-performing assets ratio | 2.13% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 18.46% |
| Allowance for credit losses to loans | 1.74% |
| Reserve coverage of non-performing loans | 57.59% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.92% |
| Return on equity | 18.32% |
| Net interest margin | 4.40% |
| Efficiency ratio | 57.57% |
| Yield on earning assets | 6.40% |
| Cost of funds | 2.19% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 78.83% |
| Core deposits to total deposits | 89.99% |
| Brokered deposits to total deposits | 0.29% |
| Deposits to assets | 89.00% |
| Securities to assets | — |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 13.94% | 13.94% | 15.19% | 12.90% | 2.68% |
| Q4 2023 | 14.18% | 14.18% | 15.43% | 13.04% | 2.66% |
| Q1 2024 | 13.03% | 13.03% | 14.28% | 12.74% | 2.81% |
| Q2 2024 | 13.11% | 13.11% | 14.36% | 12.52% | 2.71% |
| Q3 2024 | 12.64% | 12.64% | 13.89% | 12.63% | 2.74% |
| Q4 2024 | 12.76% | 12.76% | 14.02% | 12.71% | 1.40% |
| Q1 2025 | 13.47% | 13.47% | 14.73% | 12.65% | 2.50% |
| Q2 2025 | 13.96% | 13.96% | 15.21% | 12.40% | 2.33% |
| Q3 2025 | 13.00% | 13.00% | 14.25% | 12.29% | 2.47% |
| Q4 2025 | 12.68% | 12.68% | 13.93% | 12.21% | 2.23% |
| Q1 2026 | 11.97% | 11.97% | 13.22% | 10.96% | 2.18% |
| Q2 2026 | 12.72% | 12.72% | 13.97% | 10.49% | 1.92% |
The Bank of the West vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Bank of the West, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full The Bank of the West profile, peer group comparison, or how this data updates.
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