Bank of Western Oklahoma: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Bank of Western Oklahoma of Elk City, OK against its peer group of 2603 similarly-sized US banks as of Q3 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 2.39% | 1.25% | +1.14% | 89th top |
| ROAE | 27.81% | 13.21% | +14.60% | 97th top |
| Net Interest Margin | 5.15% | 3.95% | +1.20% | 90th top |
| Efficiency Ratio | 50.45% | 61.29% | -10.84% | 73rd above |
| PPNR / Avg Assets | 2.50% | — | — | 85th top |
| Yield on Earning Assets | 7.29% | 5.68% | +1.61% | 97th top |
| Cost of Funds | 2.38% | 1.88% | +0.50% | 11th bottom |
| Net Interest Spread | 4.28% | — | — | 86th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.02% | 0.93% | -0.91% | 83rd top |
| NPA / Total Assets | 0.01% | — | — | 84th top |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 60th above |
| ACL / Total Loans | 0.82% | — | — | 6th bottom |
| ACL / NPLs (Coverage) | 4528.36% | — | — | — |
| Texas Ratio | 0.76% | 7.37% | -6.61% | 74th above |
| Provision / NCO | 47.42% | — | — | 21st bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 11.01% | 17.08% | -6.07% | 5th bottom |
| Tier 1 Ratio | 11.01% | 17.11% | -6.10% | 5th bottom |
| Total Capital Ratio | 11.94% | — | — | 3rd bottom |
| Leverage Ratio | 8.25% | 11.73% | -3.48% | 5th bottom |
| Equity / Assets | 8.71% | 10.97% | -2.26% | 24th bottom |
| TCE / Tangible Assets | 8.23% | — | — | 22nd bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 87.97% | 80.71% | +7.26% | 22nd bottom |
| Core Deposit Ratio | 74.13% | 86.89% | -12.76% | 4th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 5.14% | — | — | 60th above |
| Loan Growth (Y/Y) | -3.24% | — | — | 11th bottom |
| Deposit Growth (Y/Y) | 4.85% | — | — | 56th above |
See Bank of Western Oklahoma's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Bank of Western Oklahoma, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Bank of Western Oklahoma profile, how to read a UBPR, or how this data updates.