Bank call report · Elk City, OK
Bank of Western Oklahoma Call Report
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Bank of Western Oklahoma filed its latest call report for the quarter ended June 30, 2026 on the FFIEC 041. Below are its 326 reported line items, schedule by schedule (949 items filed as zero are left out). The official PDF is on the FFIEC Central Data Repository.
| Call report form | FFIEC 041 |
|---|---|
| Latest quarter filed | Q2 2026 (June 30, 2026) |
| Federal Reserve RSSD ID | 175056 |
| FDIC certificate number | 4087 |
| Total assets | $469.7M |
Official Q2 2026 call report PDF (FFIEC) →
Bank of Western Oklahoma call report by schedule, Q2 2026
Dollar amounts are as filed, in the units the form uses. Each line item links to its definition; each schedule links to the full schedule reference for the FFIEC 041.
Schedule RC: Balance Sheet (23 items)
About Schedule RC · Bank of Western Oklahoma balance sheet trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets | RCON2170 | $469.7M |
| Total Liabilities, Limited-life Preferred Stock, and Equity Capital | RCON3300 | $469.7M |
| Total Liabilities and Minority Interest | RCON2948 | $429.8M |
| Total Deposits | RCON2200 | $426.3M |
| Loans and Leases, Net of Unearned Income - Totals | RCONB528 | $373.2M |
| Loans and Leases, Net of Unearned Income and Allowance | RCONB529 | $370.2M |
| Total Interest-bearing Deposits in Foreign and Domestic Offices | RCON6636 | $315.4M |
| Deposits: Noninterest-bearing | RCON6631 | $110.9M |
| Interest-bearing Balances | RCON0071 | $56.8M |
| Total Equity Capital | RCON3210 | $39.9M |
| Total Equity Capital Including Noncontrolling Minority Interests in Consolidated Subsidiaries | RCONG105 | $39.9M |
| Undivided Profits and Capital Reserves | RCON3632 | $27.9M |
| Other Assets | RCON2160 | $14.6M |
| Available-for-sale debt securities (from Schedule RC-B, column D) | RCON1773 | $11.5M |
| Surplus | RCON3839 | $11.3M |
| Premises and Fixed Assets (Including Capitalized Leases) | RCON2145 | $7.6M |
| Noninterest-bearing Balances and Currency and Coin | RCON0081 | $6.6M |
| Other Liabilities, Total | RCON2930 | $3.5M |
| Allowance for Loan and Lease Losses | RCON3123 | $3.0M |
| Goodwill | RCON3163 | $2.4M |
| Intangible Assets | RCON2143 | $2.4M |
| Common Stock | RCON3230 | $660K |
| Accumulated Other Comprehensive Income | RCONB530 | -$4K |
Schedule RI: Income Statement (33 items)
About Schedule RI · Bank of Western Oklahoma income statement trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Interest Income | RIAD4107 | $15.4M |
| Interest and Fee Income on Loans, Total | RIAD4010 | $14.2M |
| Net Interest Income | RIAD4074 | $10.7M |
| Interest and Fee Income on All Other Loans Secured by Real Estate | RIAD4436 | $7.7M |
| Total Noninterest Expense | RIAD4093 | $5.5M |
| Income (Loss) Before Applicable Income Taxes and Discontinued Operations | RIAD4301 | $5.1M |
| Income (Loss) Before Discontinued Operations | RIAD4300 | $5.1M |
| Income (loss) before change in net unrealized holding gains (losses) on equity securities not held for trading, applicable income taxes, and discontinued operations operations (item 3 plus or minus items 4, 5.m, 6.a, 6.b, and 7.e) | RIADHT69 | $5.1M |
| Net Income (Loss) | RIAD4340 | $5.1M |
| Net Income (Loss) Attributable to Bank and Noncontrolling Minority Interests | RIADG104 | $5.1M |
| Total Interest Expense | RIAD4073 | $4.7M |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of 250000 or Less | RIADHK03 | $2.8M |
| Interest and Fee Income on All Other Loans in Domestic Offices | RIAD4058 | $2.7M |
| Salaries and Employee Benefits | RIAD4135 | $2.7M |
| Interest and Fee Income on Loans to Finance Agricultural Production and Other Loans to Farmers in Domestic Offices | RIAD4024 | $2.5M |
| Interest and Fee Income on Loans Secured by 1-4 Family Residential Properties | RIAD4435 | $2.1M |
| Other Noninterest Expense | RIAD4092 | $2.1M |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of More Than 250000 | RIADHK04 | $1.7M |
| Interest and Fee Income on Commercial and Industrial Loans | RIAD4012 | $1.6M |
| Interest Income on Balances Due from Depository Institutions | RIAD4115 | $803K |
| Expenses of Premises and Fixed Assets | RIAD4217 | $778K |
| Provision for Loan and Lease Losses | RIAD4230 | $450K |
| Provisions for Credit Losses on Financial Assets | RIADJJ33 | $450K |
| Total Noninterest Income | RIAD4079 | $362K |
| Interest on Other Securities | RIAD4060 | $339K |
| Service Charges on Deposit Accounts in Domestic Offices | RIAD4080 | $186K |
| Other Noninterest Income | RIADB497 | $176K |
| Interest on Transaction Accounts (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) | RIAD4508 | $136K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADB486 | $95K |
| Interest and Dividend Income on Tax-exempt Securities Issued by States and Political Subdivisions in the U.S. | RIAD4507 | $78K |
| Savings Deposits (Including Mmdas) | RIAD0093 | $67K |
| Other Interest Income | RIAD4518 | $19K |
| Number of Full Time Equivalent Employees on Payroll at End of Current Period | RIAD4150 | 73 |
Schedule RC-A: Cash and Balances Due from Depository Institutions (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Cash and Balances Due from Depository Institutions | RCON0010 | $63.4M |
| Balances Due from Depository Institutions in the U.S. | RCON0082 | $60.2M |
| Currency and Coin | RCON0080 | $1.8M |
| Balances Due from Federal Reserve Banks | RCON0090 | $834K |
| Cash Items in Process of Collection and Unposted Debits | RCON0020 | $545K |
Schedule RC-B: Securities (9 items)
About Schedule RC-B · Bank of Western Oklahoma securities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Amortized Cost of Available-for-sale Securities | RCON1772 | $11.6M |
| Amortized Cost of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8498 | $9.1M |
| Fair Value of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8499 | $9.0M |
| Fixed Rate and Floating Rate Debt Securities with a Remaining Maturity of One Year or Less | RCONA248 | $7.0M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONA550 | $7.0M |
| Pledged Securities | RCON0416 | $6.0M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONA551 | $4.5M |
| Amortized Cost of Other Available-for-sale Domestic Debt Securities | RCON1739 | $2.5M |
| Fair Value of Other Available-for-sale Domestic Debt Securities | RCON1741 | $2.5M |
Schedule RC-C, Part I: Loans and Leases (28 items)
About Schedule RC-C, Part I · Bank of Western Oklahoma loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Leases, Net of Unearned Income | RCON2122 | $373.2M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA570 | $280.3M |
| Fixed Rate and Floating Rate Loans and Leases with a Remaining Maturity of One Year or Less | RCONA247 | $144.1M |
| Real Estate Loans Secured by Farmland | RCON1420 | $113.0M |
| Loans to Finance Agricultural Production and Other Loans to Farmers | RCON1590 | $61.2M |
| Loans Secured by Other Nonfarm Nonresidential Properties. | RCONF161 | $58.8M |
| Commercial and Industrial Loans | RCON1766 | $52.1M |
| Commercial and Industrial Loans to U.S. Addressees | RCON1763 | $52.1M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by First Liens | RCON5367 | $51.5M |
| Adjustable Rate Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties | RCON5370 | $48.8M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA564 | $37.8M |
| Loans Secured by Owner Occupied Nonfarm Nonresidential Properties | RCONF160 | $20.6M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA573 | $14.1M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA571 | $13.6M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA565 | $13.1M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA574 | $8.8M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by Junior Liens | RCON5368 | $7.1M |
| Real Estate Loans Secured by Multi-family (5 or More) Residential Properties | RCON1460 | $4.8M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA572 | $3.6M |
| Loans Secured by 1-4 Family Residential Construction | RCONF158 | $1.9M |
| Other Consumer Loans to Individuals for Household, Family, and Other Personal Expenditures (Includes Single Payment, Installment, and All Student Loans) | RCONK207 | $1.4M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA575 | $1.3M |
| Automobile Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper) | RCONK137 | $887K |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA567 | $368K |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA566 | $194K |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA569 | $73K |
| Loans to Nondepository Financial Institutions and Other Loans: Other Loans: All Other Loans (Exclude Consumer Loans) | RCONJ451 | $21K |
| Other Loans | RCONJ464 | $21K |
Schedule RC-C, Part II: Loans to Small Businesses and Small Farms (24 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5585 | $19.3M |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5583 | $17.7M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5569 | $15.2M |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5581 | $13.5M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5571 | $10.6M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5575 | $9.7M |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5579 | $7.4M |
| Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5589 | $6.7M |
| Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5587 | $6.2M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5567 | $5.0M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5573 | $4.0M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5565 | $2.8M |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5584 | 554 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5570 | 427 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5578 | 128 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5580 | 119 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5582 | 65 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5586 | 61 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5564 | 54 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5572 | 38 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5568 | 38 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5566 | 36 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5588 | 29 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5574 | 18 |
Schedule RC-E: Deposit Liabilities (32 items)
About Schedule RC-E · Bank of Western Oklahoma deposit liabilities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Nontransaction Accounts (Including Mmda's) | RCON2385 | $277.0M |
| Total Nontransaction Accounts Deposits of Individuals, Partnerships, and Corporations | RCONB550 | $253.5M |
| Total Transaction Accounts | RCON2215 | $149.3M |
| Total Transaction Accounts - Deposits of Individuals, Partnerships, and Corporation | RCONB549 | $143.0M |
| Time Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK11 | $138.6M |
| Total Demand Deposits (See Note Below) | RCON2210 | $125.3M |
| Components of Total Nontransaction Accounts: Total Time Deposits of $100,000 Through $250,000 | RCONJ473 | $112.3M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK08 | $100.6M |
| Components of Total Nontransaction Accounts: Total Time Deposits of More Than $250,000 | RCONJ474 | $87.5M |
| Time Deposits of More Than $250,000 with a Remaining Maturity of One or Year Less | RCONK222 | $84.2M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK13 | $72.2M |
| Total reciprocal deposits | RCONJH83 | $55.9M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK07 | $38.0M |
| Total Time Deposits of Less Than $100,000 | RCON6648 | $33.5M |
| Other Nontransaction Savings Deposits (Excludes Mmda's) | RCON0352 | $32.0M |
| Total Nontransaction Accounts of States and Political Subdivisions in the U.S. | RCON2530 | $22.7M |
| Selected Components of Total Deposits, Brokered Deposits of 250000 or Less (Fully Insured Brokered Deposits) | RCONHK05 | $20.0M |
| Selected Components of Total Deposits, Brokered Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK06 | $20.0M |
| Total Brokered Deposits | RCON2365 | $20.0M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK12 | $12.8M |
| Money Market Deposit Accounts (Mmda's) | RCON6810 | $11.7M |
| Sweep deposits: Fully insured, non-affiliate sweep deposits | RCONMT91 | $6.7M |
| Total sweep deposits that are not brokered deposits | RCONMT95 | $6.7M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK09 | $6.4M |
| Total Transaction Accounts - Deposits of States and Political Subdivisions in the U.S. | RCON2203 | $4.5M |
| All Time and Savings Deposits Held in IRA and Keogh Plan Accounts | RCON6835 | $4.2M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK14 | $2.2M |
| Individual Retirement Accounts (Iras) and Keogh Plan Accounts Included in Memorandum Item 2.C, 'Total Time Deposits of $100,000 or More,' Above | RCONF233 | $2.1M |
| Total Transaction Accounts - Deposits of Commercial Banks and Other Depository Institutions in the U.S. | RCONB551 | $1.7M |
| Total Nontransaction Accounts of Commercial Banks and Other Depository Institutions in the U.S. | RCONB552 | $809K |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Years | RCONHK10 | $802K |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Years | RCONHK15 | $256K |
Schedule RC-F: Other Assets (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Accrued Interest Receivable | RCONB556 | $8.9M |
| Life Insurance Assets: General Account Life Insurance Assets | RCONK201 | $4.2M |
| Historical Cost of All Other Available-for-sale Equity Securities | RCON1752 | $826K |
| Other Assets | RCON2168 | $642K |
| Prepaid Expenses | RCON2166 | $642K |
Schedule RC-G: Other Liabilities (6 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| All Other Liabilities | RCON2938 | $1.6M |
| Deferred Compensation Liabilities | RCONC011 | $1.5M |
| Interest Accrued and Unpaid on Deposits (in Domestic Offices) | RCON3645 | $1.5M |
| Other Expenses Accrued and Unpaid | RCON3646 | $359K |
| Allowance for Credit Losses on Off-balance Sheet Credit Exposures | RCONB557 | $69K |
| First Itemized Amount That Exceeds 25% of All Other Liabilities (2938) or (2942) | RCON3552 | $53K |
Schedule RC-K: Quarterly Averages (13 items)
About Schedule RC-K · Bank of Western Oklahoma quarterly averages trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Quarterly Average of Total Assets | RCON3368 | $467.4M |
| Quarterly Average of Total Loans | RCON3360 | $371.5M |
| Quarterly Average of All Other Loans Secured by Real Estate | RCON3466 | $207.4M |
| Liabilities, Nontransaction Accounts, Time Deposits of 250000 or Less | RCONHK16 | $144.8M |
| Liabilities, Nontransaction Accounts, Time Deposits of More Than 250000 | RCONHK17 | $83.2M |
| Quarterly Average of Loans to Finance Agricultural Production and Other Loans to Farmers | RCON3386 | $61.5M |
| Quarterly Average of Loans Secured by 1-4 Family Residential Properties | RCON3465 | $57.1M |
| Quarterly Average of Interest-bearing Balances Due from Depository Institutions | RCON3381 | $54.1M |
| Quarterly Average of Commercial and Industrial Loans | RCON3387 | $48.2M |
| Nontransaction Accounts in Domestic Offices: Savings Deposits | RCONB563 | $45.1M |
| Transaction Accounts (in Domestic Offices) (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) - Quarterly Average | RCON3485 | $15.0M |
| All Other Securities | RCONB560 | $14.9M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other | RCONB562 | $2.3M |
Schedule RC-L: Derivatives and Off-Balance-Sheet Items (5 items)
About Schedule RC-L · Bank of Western Oklahoma derivatives and off-balance-sheet items trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Commercial Real Estate, Other Construction Loan and Land Development Loan Commitments | RCONF165 | $30.0M |
| Other Unused Commitments: All Other Unused Commitments | RCONJ459 | $23.2M |
| Other Unused Commitments: Commercial and Industrial Loans | RCONJ457 | $12.7M |
| Financial Standby Letters of Credit and Foreign Office Guarantees | RCON3819 | $9.7M |
| 1-4 Family Residential Construction Loan Commitments | RCONF164 | $423K |
Schedule RC-M: Memoranda (1 item)
About Schedule RC-M · Bank of Western Oklahoma memoranda trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Aggregate Amount of All Extensions of Credit to All Executive Officers, Directors, Principal Shareholders, and Their Related Interests | RCON6164 | $1.1M |
Schedule RC-N: Past Due and Nonaccrual Loans, Leases, and Other Assets (18 items)
About Schedule RC-N · Bank of Western Oklahoma past due and nonaccrual loans, leases, and other assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Lease Financing Receivables: Past Due 30-89 Days and Still Accruing | RCON1406 | $1.7M |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-past Due 30 Thru 89 Days and Still Accruing | RCONC236 | $534K |
| Loans Secured by Real Estate (in Domestic Offices): Secured by Farmland - Past Due 30 Through 89 Days and Still Accruing | RCON3493 | $512K |
| Total Loans and Lease Financing Receivables: Past Due 90 Days or More and Still Accruing | RCON1407 | $369K |
| Commercial and Industrial Loans - Past Due 30-89 Days and Still Accruing | RCON1606 | $272K |
| All Other Loans - Past Due 30 Through 89 Days and Still Accruing | RCON5459 | $193K |
| Loans to Finance Agricultural Production and Other Loans to Farmers - Past Due 30-89 Days and Still Accruing | RCON1594 | $193K |
| All Other Loans - Past Due 90 Days or More and Still Accruing | RCON5460 | $165K |
| Commercial and Industrial Loans - Past Due 90 Days or More and Still Accruing | RCON1607 | $134K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Past Due 30 Through 89 Days and Still Accruing | RCONK216 | $98K |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties, 30-89 Days Past Due | RCONF178 | $82K |
| Loans Secured by Real Estate (in Domestic Offices): Secured by Farmland - Past Due 90 Days or More and Still Accruing | RCON3494 | $40K |
| Additions to Nonaccrual Assets | RCONC410 | $37K |
| Loans Secured by Real Estate (in Domestic Offices): Secured by Farmland - Nonaccrual | RCON3495 | $37K |
| Total Loans and Lease Finance Receivables: Nonaccrual | RCON1403 | $37K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-past Due 90 Days or More and Still Accruing | RCONC237 | $30K |
| Nonaccrual Assets Sold During the Quarter | RCONC411 | $26K |
| Loans to Finance Agricultural Production and Other Loans to Farmers - Past Due 90 Days or More and Still Accruing | RCON1597 | $10K |
Schedule RC-O: Other Data for Deposit Insurance Assessments (12 items)
About Schedule RC-O · Bank of Western Oklahoma other data for deposit insurance assessments trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Consolidated Total Assets for the Calendar Quarter | RCONK652 | $467.4M |
| Total Deposit Liabilities as Defined in Section 3(1) of the Federal Deposit Insurance Act Before Exclusions | RCONF236 | $427.8M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of $250,000 or Less | RCONF049 | $265.5M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF051 | $157.3M |
| Average Tangible Equity for the Calendar Quarter | RCONK654 | $37.5M |
| Amount of Retirement Deposits Accounts of $250,000 or Less | RCONF045 | $4.2M |
| Amount of Retirement Deposit Accounts of More Than $250,000 | RCONF047 | $780K |
| Number of Deposit Accounts (Excluding Retirement Accounts)of $250,000 or Less | RCONF050 | 17,736 |
| Number of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF052 | 289 |
| Number of Retirement Deposit Accounts of $250,000 or Less | RCONF046 | 135 |
| Averaging Method Used | RCONK653 | 1 |
| Number of Retirement Deposit Accounts of More Than $250,000 | RCONF048 | 1 |
Schedule RC-R: Regulatory Capital (1 item)
About Schedule RC-R · Bank of Western Oklahoma regulatory capital trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Risk-weighted Assets Before Deductions for Excess Allowance for Loan and Lease Losses and Allocated Transfer Risk Reserve - 100% | RCONB704 | $362.1M |
Schedule RC-R, Part I: Regulatory Capital Components and Ratios (23 items)
About Schedule RC-R, Part I · Bank of Western Oklahoma regulatory capital components and ratios trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average total consolidated assets | RCOAKW03 | $467.4M |
| Average Total Assets (Net of Deductions) | RCOAA224 | $464.9M |
| Risk-weighted Assets (Net of Allowances and Other Deductions) | RCOAA223 | $362.1M |
| Total Qualifying Capital Allowable Under the Risk-based Capital Guidelines | RCOA3792 | $40.6M |
| Common Equity Tier 1 Capital Before Adjustments and Deductions | RCOAP840 | $39.9M |
| Common Equity Tier 1 Capital | RCOAP859 | $37.5M |
| Subtotal of Common Equity Tier 1 Capital: Adjustments and Deductions | RCOAP852 | $37.5M |
| Tier 1 Capital Allowable Under the Risk-based Capital Guidelines | RCOA8274 | $37.5M |
| Retained Earnings | RCOAKW00 | $27.9M |
| Common Equity Tier 1 Capital: Common Stock Plus Related Surplus, Net of Treasury Stock and Unearned Employee Stock Ownership Plan (ESOP) Shares | RCOAP742 | $12.0M |
| General Loan and Lease Valuation Allowances | RCOA5310 | $3.1M |
| Tier 2 (Supplementary) Capital | RCOA5311 | $3.1M |
| Tier 2 Capital Before Deductions | RCOAP870 | $3.1M |
| Goodwill Net of Associated Deferred Tax Liabilities (Dtls) | RCOAP841 | $2.4M |
| Less: Deductions from Common Equity Tier 1 Capital and Additional Tier 1 Capital (Sum of Items 6, 7, 8, 10.B, 11, 13 Through 17 and Certain Elements of Item 24 - See Instructions) | RCOAP875 | $2.4M |
| Accumulated Other Comprehensive Income | RCOAB530 | -$4K |
| Less: Net Unrealized Gains (Losses) on Available-for-sale Debt Securities (If a Gain, Report as a Positive Value, If a Loss, Report as a Negative Value) | RCOAP844 | -$4K |
| A. AOCI Opt-out Election (Enter '1' for Yes, Enter '0' for No.) | RCOAP838 | 1 |
| Total Risk-based Capital Ratio | RCOA7205 | 0.112 |
| Common Equity Tier 1 Capital Ratio | RCOAP793 | 0.1034 |
| Tier 1 Risk-based Capital Ratio | RCOA7206 | 0.1034 |
| Tier 1 Leverage Capital Ratio | RCOA7204 | 0.0806 |
| Institution-specific Capital Buffer Necessary to Avoid Limitations on Distributions and Discretionary Bonus Payments: Capital Conservation Buffer | RCOAH311 | 0.032 |
Schedule RC-R, Part II: Risk-Weighted Assets (45 items)
About Schedule RC-R, Part II · Bank of Western Oklahoma risk-weighted assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Risk-weighted Assets for Purposes of Calculating the Allowance for Loan and Lease Losses 1.25 Percent Threshold | RCONS580 | $362.1M |
| Total Risk-weighted Assets | RCONG641 | $362.1M |
| Risk-weighted Assets by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG637 | $317.5M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG633 | $317.5M |
| Total Loans and Leases, Net of Unearned Income, All Other Exposures | RCONS457 | $309.6M |
| Total Balance Sheet Assets - 100 Pct Risk Weight Category | RCOND990 | $307.8M |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 100 Pct Risk Weight Category | RCONS462 | $276.7M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG631 | $78.0M |
| Total Balance Sheet Assets - 20 Pct Risk Weight Category | RCOND988 | $78.0M |
| Unconditionally Cancellable Commitments | RCONS540 | $66.4M |
| Total Cash and Balances Due from Depository Institutions | RCOND957 | $63.4M |
| Total Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures | RCONS439 | $63.4M |
| Cash and Balances Due from Depository Institutions - 20 Pct Risk Weight Category | RCOND959 | $61.1M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG632 | $57.3M |
| Total Balance Sheet Assets - 50 Pct Risk Weight Category | RCOND989 | $57.3M |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 50 Pct Risk Weight Category | RCONS442 | $54.5M |
| Risk-weighted Assets by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG636 | $28.6M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 0 Pct Risk Weight Category | RCONG630 | $26.9M |
| Total Balance Sheet Assets - 0 Pct Risk Weight Category | RCOND987 | $26.9M |
| Total All Other Assets | RCOND981 | $24.6M |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 0 Pct Risk Weight Category | RCONS459 | $23.8M |
| All Other Assets - 100 Pct Risk Weight Category | RCOND985 | $19.7M |
| Risk-weighted Assets by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG635 | $15.6M |
| Available-for-sale debt securities and equity securities with readily determinable fair values not held for trading purposes, Total Fair Value | RCONJA21 | $11.5M |
| Financial Standby Letters of Credit - 100 Pct Risk Weight Category | RCOND996 | $9.7M |
| Financial Standby Letters of Credit - Credit Equivalent Amount | RCOND992 | $9.7M |
| Financial Standby Letters of Credit - Face, Notional, or Other Amount | RCOND991 | $9.7M |
| Available-for-sale Securities - 20 Pct Risk Weight Category | RCOND968 | $9.1M |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 100 Pct Risk Weight Category | RCONS443 | $8.9M |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 20 Pct Risk Weight Category | RCONS460 | $7.3M |
| Available-for-sale Securities - 100 Pct Risk Weight Category | RCOND970 | $2.5M |
| All Other Assets - Adjustments to Totals Reported in Column a | RCONS469 | $2.4M |
| Cash and Balances Due from Depository Institutions - 0 Pct Risk Weight Category | RCOND958 | $2.4M |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 50 Pct Risk Weight Category | RCONS461 | $1.9M |
| All Other Assets - 50 Pct Risk Weight Category | RCOND984 | $913K |
| All Other Assets - 0 Pct Risk Weight Category | RCOND982 | $822K |
| All Other Assets - 20 Pct Risk Weight Category | RCOND983 | $640K |
| Total Balance Sheet Assets - Adjustments to Total Reported in Column a | RCONS500 | -$604K |
| Risk-weighted Assets by Risk-weighted Category - 150 Pct Risk Weight Category | RCONS572 | $365K |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 150 Pct Risk Weight Category | RCONS561 | $243K |
| Total Balance Sheet Assets - 150 Pct Risk Weight Category | RCONS503 | $243K |
| Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual - 150 Pct Risk Weight Category | RCONS455 | $220K |
| Total Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual | RCONS449 | $220K |
| Allocation by Risk Weight Category 150%, All Other Assets | RCONH185 | $23K |
| Available-for-sale Securities - Adjustment to Totals Reported in Column a | RCONS402 | -$4K |
Schedule RI-A: Changes in Bank Equity Capital (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Equity Capital | RIAD3210 | $39.9M |
| Balance End of Previous Calendar Year as Restated | RIADB508 | $38.9M |
| Equity Capital, Most Recently Reported for the End of Previous Calendar Year (I.e., After Adjustments from Amended Reports of Income) | RIAD3217 | $38.9M |
| Cash Dividends Declared on Common Stock | RIAD4460 | $4.0M |
| Other Comprehensive Income | RIADB511 | -$59K |
Schedule RI-B, Part I: Charge-offs and Recoveries on Loans and Leases (13 items)
About Schedule RI-B, Part I · Bank of Western Oklahoma charge-offs and recoveries on loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Charge-offs on Allowance for Loan and Lease Losses | RIAD4635 | $1.0M |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties: Charge-offs | RIADC895 | $728K |
| Charge-offs on Closed-end Loans Secured by 1-4 Family Residential Properties:secured by Junior Liens | RIADC235 | $195K |
| Recoveries on Allowance for Loan and Lease Losses | RIAD4605 | $77K |
| Recoveries on Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens | RIADC217 | $72K |
| Charge-offs on Commercial and Industrial Loans | RIAD4638 | $60K |
| Charge-offs on Closed-end Loans by 1-4 Family Residential Properties:secured by First Liens | RIADC234 | $27K |
| Charge-offs on All Other Loans | RIAD4644 | $16K |
| Charge-offs on Loans to Finance Agricultural Production and Other Loans to Farmers | RIAD4655 | $16K |
| Recoveries on All Other Loans | RIAD4628 | $2K |
| Recoveries on Automobile Loans | RIADK133 | $2K |
| Recoveries on Loans to Finance Agricultural Production and Other Loans to Farmers | RIAD4665 | $2K |
| Recoveries on Loans Secured by Farmland | RIAD3585 | $1K |
Schedule RI-B, Part II: Changes in Allowances for Credit Losses (3 items)
About Schedule RI-B, Part II · Bank of Western Oklahoma changes in allowances for credit losses trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Balance Most Recently Reported for the December 31, 2000, Reports of Condition and Income(i.e., After Adjustments from Amended Report of Income) | RIADB522 | $3.5M |
| Allowance for Loan and Lease Losses | RIAD3123 | $3.0M |
| Charge-offs on Allowance for Loan and Lease Losses | RIADC079 | $1.0M |
Schedule RI-E: Explanations (22 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Marketing and Other Professional Services | RIAD0497 | $714K |
| Second Itemized Amount That Exceeds 10% of Other Noninterest Expense (4092) | RIAD4467 | $546K |
| Data Processing Expenses | RIADC017 | $213K |
| Printing, Stationery, and Supplies | RIADC018 | $115K |
| Operating Expenses Communications - Postage, Monthly | RIAD8403 | $105K |
| Telecommunications Expense | RIADF559 | $83K |
| Accounting and Auditing Expenses | RIADF556 | $70K |
| Income and Fees from Automated Teller Machines (Atms) | RIADC016 | $63K |
| Other Real Estate Owned Expenses | RIADY923 | -$55K |
| Directors' Fees | RIAD4136 | $54K |
| Insurance Expenses (Not Included in Emplouee Expenses, Premises and Fixed Asset Expenses, and Other Real Estate Owned Expenses) | RIADY924 | $54K |
| Earnings On/increase in Value of Cash Surrender Value of Life Insurance | RIADC014 | $47K |
| Automated Teller Machine (ATM) and Interchange Expense | RIADF558 | $22K |
| First Itemized Amount That Exceeds 10% of All Other Noninterest Income (5408) | RIAD4461 | $21K |
| Bank Card and Credit Card Interchange Fees | RIADF555 | $17K |
| Consulting and Advisory Expense | RIADF557 | $15K |
| Income and Fees from Wire Transfers | RIADT047 | $15K |
| Third Itemized Amount That Exceeds 10% of Other Noninterest Expense (4092) | RIAD4468 | $11K |
| Safe Deposit Box Rent | RIADC015 | $9K |
| First Itemized Amount That Exceeds 10% of Other Noninterest Expense (4092) | RIAD4464 | $8K |
| Legal Expense | RIAD4141 | $6K |
| Income and Fees from the Printing and Sale of Checks | RIADC013 | $4K |
Bank of Western Oklahoma call reports on file
Each link opens the bank's filed report on the FFIEC Central Data Repository.
- Q2 2026 call report (quarter ended June 30, 2026)
- Q1 2026 call report (quarter ended March 31, 2026)
- Q4 2025 call report (quarter ended December 31, 2025)
- Q3 2025 call report (quarter ended September 30, 2025)
- Q2 2025 call report (quarter ended June 30, 2025)
- Q1 2025 call report (quarter ended March 31, 2025)
Where can I find the Bank of Western Oklahoma call report?
The Bank of Western Oklahoma call report for the quarter ended June 30, 2026 is on this page, schedule by schedule. The official PDF is on the FFIEC Central Data Repository, linked here for every quarter on file. Call reports are public: anyone can read or download them without an account.
Which call report form does Bank of Western Oklahoma file?
Bank of Western Oklahoma files the FFIEC 041. The FFIEC 031 is for banks with foreign offices, the FFIEC 041 for banks with domestic offices only, and the FFIEC 051 is the streamlined form most domestic banks under $5 billion in total assets may file.
What is the Bank of Western Oklahoma call report number?
A call report has no number of its own. It is filed and looked up by the bank's identifiers: Bank of Western Oklahoma has Federal Reserve RSSD ID 175056 and FDIC certificate number 4087. Either one finds its filings on the FFIEC Central Data Repository.
How often does Bank of Western Oklahoma file a call report?
Every quarter, as of March 31, June 30, September 30 and December 31. The report is due 30 calendar days after the quarter ends, or 35 days for a bank with more than one foreign office.
Bank of Western Oklahoma financial reports and ratios →
New to call reports? What a call report is, every call report code explained, and how the UBPR turns it into ratios.
Regulator records: FDIC BankFind (cert 4087) · FFIEC NIC profile (RSSD 175056)