Bank of Western Oklahoma: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Construction concentration (tier 1 capital + allowance) dropped 2.27 percentage points in Q3 2026, from 4.57% to 2.31%. It was the largest change from Q2 2026 among the key lines here. Within Oklahoma, Bank of Western Oklahoma is 52nd of 169 on loan-to-deposit ratio, 87.97% as of Q3 2026, above the middle of the field. Bank of Western Oklahoma reported 87.97% on loan-to-deposit ratio for Q3 2026, 7.02 points above the 80.94% median for banks in the $100M-1B asset tier; the peer median is as of Q2 2026.
Loan totals
| Line item | Q3 2026 |
|---|---|
| Total loans and leases | $370.0M |
| Net loans and leases | $367.0M |
| Loans held for sale | $0 |
| Loans to total assets | 79.49% |
| Loan-to-deposit ratio | 87.97% |
| Net loans to equity capital | 9.05% |
Portfolio mix (share of total loans)
| Line item | Q3 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 21.75% |
| Multifamily (5+ residential) | 1.27% |
| Commercial and industrial | 13.95% |
| Consumer | 0.67% |
| Credit cards | 0.00% |
| Farm | 29.42% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q3 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 159.52% |
| Construction concentration (Tier 1 capital + allowance) | 2.31% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q3 2026 |
|---|---|
| Yield on loans | 7.95% |
| Interest income on loans | $7.4M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q4 2023 | $300.2M | $343.1M | 13.57% | 17.46% | 0.89% |
| Q1 2024 | $305.7M | $342.0M | 13.43% | 18.96% | 0.84% |
| Q2 2024 | $308.0M | $347.5M | 14.33% | 19.30% | 0.86% |
| Q3 2024 | $316.5M | $344.1M | 14.02% | 19.44% | 0.87% |
| Q4 2024 | $321.2M | $372.6M | 13.95% | 19.47% | 0.80% |
| Q1 2025 | $339.3M | $372.9M | 15.11% | 16.73% | 0.66% |
| Q2 2025 | $366.3M | $392.4M | 14.10% | 18.98% | 0.56% |
| Q3 2025 | $382.4M | $401.2M | 15.14% | 20.02% | 0.59% |
| Q4 2025 | $377.7M | $419.6M | 20.08% | 12.36% | 0.59% |
| Q1 2026 | $374.9M | $423.1M | 21.39% | 12.00% | 0.59% |
| Q2 2026 | $373.2M | $426.3M | 21.27% | 13.96% | 0.62% |
| Q3 2026 | $370.0M | $420.6M | 21.75% | 13.95% | 0.67% |
Bank of Western Oklahoma loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Western Oklahoma, freeSource: Call Report Schedule RC-C, 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)