Bank of Western Oklahoma
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Data as of · sourced from FFIEC call reports. How we update
Bank of Western Oklahoma is an FDIC-insured commercial bank headquartered in Elk City, OK, established in 1908 (FDIC certificate 4087), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $469.7M, up 8.6% from Q2 2025, the 57th largest of 169 banks headquartered in Oklahoma. Its CET1 capital ratio was 10.34% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 4087
- Headquarters
- Elk City, OK
- Established
- 1908
- Total assets, Q2 2026
- $469.7M
- Assets vs Q2 2025
- +8.6%
- CET1 ratio, Q2 2026
- 10.34%
- Domestic offices
- 6 FDIC institution directory, current count
- Routing number
- 103101602
- Latest call report
- Q2 2026, FFIEC 041 · Bank of Western Oklahoma Q3 2026 call report, filed October 5, 2026 (preliminary)
- Holding company
- WESTERN OKLAHOMA BANCSHARES, INC.
- Asset rank in state
- 57th of 169 in Oklahoma
Bank of Western Oklahoma is one of the more profitable banks of its size. Its balance sheet stood at $470 million at June 30, 2026, up 8.6% from a year earlier; it is based in Elk City, Oklahoma. It returns 24.5% a year on shareholders' equity, about double the median of 12.6% for the 2,627 banks with $100 million to $1 billion in assets. It also keeps 4.88 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 banks its size (median 3.96 cents). Much of that comes from cost control: it spends about 48 cents to bring in each dollar of revenue.
Problem loans fell by more than half over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.11% of loans from 1.88%. Its $52 million commercial and industrial book is now fully current, after 7.26% of it was past due or on nonaccrual a year earlier. Where it has less room is capital: it holds common equity equal to 10.34% of its risk-weighted assets, lower than about 9 in 10 banks its size (median 15.11%).
As of June 30, 2026, Bank of Western Oklahoma reported a CET1 capital ratio of 10.34%, a return on assets of 2.08%, a nonperforming-loan ratio of 0.11% and a Texas ratio of 1.00%. The figures come from its call report filed with the FFIEC.
Bank of Western Oklahoma ranks as the 57th largest of the 169 banks based in Oklahoma, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 0.6% to $469.7M, loans fell 0.4% and deposits rose 0.7%. Its loan book on June 30, 2026 was led by farmland and other real estate loans, at 30.3% of total loans, followed by agricultural production loans at 16.4%. Its 6 offices in the FDIC Summary of Deposits are in 6 cities in OK; its Elk City office books 39% of its branch deposits. Judged on its Q2 2026 call report, Bank of Western Oklahoma meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 201 E Broadway Ave, Elk City, OK 73644
- County
- Beckham
- Metro Area
- Elk City, OK
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- April 1, 1908
- Domestic offices
- 6 FDIC institution directory, current count
- Employees (FTE)
- 73
- Domestic deposits
- $426.3M
- Allowance for credit losses
- $3.0M
- Net charge-offs (YTD)
- $949K
- Average total assets
- $467.4M
- Average total loans
- $371.5M
- Average interest-bearing deposits
- $287.9M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 4087
- Fed RSSD
- 175056
- Website
- www.bankofwesternoklahoma.com →
- Parent Holding Company
- WESTERN OKLAHOMA BANCSHARES, INC. (RSSD 1062706)
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, Bank of Western Oklahoma's total assets ranged from $372.9M (Q3 2023) to $469.7M (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
$469.7M total assets against $432.3M; $429.8M total liabilities against $396.2M.
$370.2M net loans and leases against $363.1M; $426.3M total deposits against $392.4M.
$11.5M securities against $16.6M; $63.4M cash and balances due against $28.0M.
$7.8M total interest income against $7.9M; $2.4M total interest expense against $2.4M.
$5.4M net interest income against $5.5M.
$183K total noninterest income against $313K; $2.7M total noninterest expense against $2.6M.
$450K provision for credit losses against $370K.
$2.4M net income against $2.8M.
2.08% return on assets against 2.67%; 4.88% net interest margin against 5.61%.
10.34% CET1 capital ratio against 9.68%; 8.06% tier 1 leverage ratio against 8.07%.
Inside the full Bank of Western Oklahoma terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeBank of Western Oklahoma rankings
Its closest position to the top of a national ranking is 407 of 3,611, for ROA; its furthest is 2,059 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 1.22% (Q4 2025) to 3.02% (Q3 2024) and its net interest margin ran from 4.88% (Q2 2026) to 6.06% (Q3 2024).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.34% | 2.08% | 0.11% | 1.00% | 4.88% |
| Q1 2026 | 10.45% | 2.35% | 0.36% | 3.28% | 5.02% |
| Q4 2025 | 10.36% | 1.22% | 0.30% | 3.68% | 5.34% |
| Q3 2025 | 9.71% | 2.88% | 0.88% | 9.74% | 5.59% |
| Q2 2025 | 9.68% | 2.67% | 1.88% | 18.60% | 5.61% |
| Q1 2025 | 10.40% | 2.28% | 2.63% | 25.10% | 5.23% |
| Q4 2024 | 10.83% | 2.00% | 2.13% | 19.42% | 5.40% |
| Q3 2024 | 10.93% | 3.02% | 2.11% | 19.38% | 6.06% |
Swipe the table sideways to see every column.
Branch Network
View all 6 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 |
|---|---|---|---|
| Bank of Western Oklahoma (main office) | Elk City , OK | 73644 | $166.7M |
| 2805 Williams Avenue Branch | Woodward , OK | 73801 | $95.6M |
| Weatherford Branch | Weatherford , OK | 73096 | $66.1M |
| Geary Branch | Geary , OK | 73040 | $34.8M |
| North College Branch | Cordell , OK | 73632 | $34.1M |
| Vici Branch | Vici , OK | 73859 | $29.0M |
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 |
|---|---|---|---|
| March 28, 1992 | Structure Change | Acquired Red River Federal Savings and Loan Association, F.A. Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 1 event.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.3% of deposits in OK, rank 59 of 192 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $778K approved, $778K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2011 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), 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 Bank of Western Oklahoma
What are Bank of Western Oklahoma's total assets?
As of the Q2 2026 filing, Bank of Western Oklahoma reported total assets of $469.7 million in its FFIEC call report.
Where is Bank of Western Oklahoma headquartered?
It is headquartered in Elk City, OK, United States.
When was Bank of Western Oklahoma founded?
It was established in 1908, per the FDIC institution directory.
Is Bank of Western Oklahoma FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #4087). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Bank of Western Oklahoma?
Bank of Western Oklahoma's primary federal regulator is the Federal Reserve.
What is Bank of Western Oklahoma's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 10.34% in its Q2 2026 call report, above regulatory requirements.
How many branches does Bank of Western Oklahoma operate?
It operates 6 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Bank of Western Oklahoma's Texas Ratio?
Its Texas Ratio is 1.00% 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.
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