Bank of Western Oklahoma: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
The largest change between Q2 2026 and Q3 2026 was in Total risk-based capital ratio, which rose 0.74 percentage points to 11.94%. Bank of Western Oklahoma has the 5th lowest CET1 ratio of the 71 banks headquartered in Oklahoma, at 11.01% as of Q3 2026. The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. Bank of Western Oklahoma sits 4.06 points lower, at 11.01% (Q3 2026); the peer median is as of Q2 2026.
Risk-based capital ratios
| Line item | Q3 2026 |
|---|---|
| Common equity Tier 1 ratio | 11.01% |
| Tier 1 risk-based capital ratio | 11.01% |
| Total risk-based capital ratio | 11.94% |
| Tier 1 leverage ratio | 8.25% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q3 2026 |
|---|---|
| Common equity Tier 1 capital | $38.4M |
| Tier 1 capital | $38.4M |
| Total risk-based capital | $41.6M |
| Total equity capital | $40.6M |
| Risk-weighted assets | $348.9M |
Capital adequacy
| Line item | Q3 2026 |
|---|---|
| Equity capital to total assets | 8.71% |
| Tangible equity to tangible assets | 8.23% |
| Equity capital to average assets | 8.66% |
| Internal capital growth rate | 9.51% |
Capital structure
| Line item | Q3 2026 |
|---|---|
| Common stock | $660K |
| Common stock surplus | $11.3M |
| Retained earnings | $28.9M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$281K |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q4 2023 | 11.11% | 11.11% | 12.10% | 8.37% | $279.7M |
| Q1 2024 | 11.00% | 11.00% | 11.96% | 8.44% | $285.8M |
| Q2 2024 | 10.91% | 10.91% | 11.83% | 8.25% | $289.4M |
| Q3 2024 | 10.93% | 10.93% | 11.85% | 8.56% | $297.2M |
| Q4 2024 | 10.83% | 10.83% | 11.80% | 8.34% | $299.6M |
| Q1 2025 | 10.40% | 10.40% | 11.32% | 8.06% | $315.8M |
| Q2 2025 | 9.68% | 9.68% | 10.64% | 8.07% | $348.3M |
| Q3 2025 | 9.71% | 9.71% | 10.61% | 8.07% | $359.8M |
| Q4 2025 | 10.36% | 10.36% | 11.39% | 7.82% | $351.1M |
| Q1 2026 | 10.45% | 10.45% | 11.49% | 8.16% | $354.0M |
| Q2 2026 | 10.34% | 10.34% | 11.20% | 8.06% | $362.1M |
| Q3 2026 | 11.01% | 11.01% | 11.94% | 8.25% | $348.9M |
Bank of Western Oklahoma regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Western Oklahoma, freeSource: Call Report Schedule RC-R, 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 Bank of Western Oklahoma profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4087) · FFIEC NIC profile (RSSD 175056)