Bank of Western Oklahoma: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q3 2026 was in Reserve coverage of non-performing loans: 3671.64 percentage points lower than in Q2 2026, at 4528.36%. Within Oklahoma, Bank of Western Oklahoma is 17th of 169 on return on assets, 2.39% as of Q3 2026, above the middle of the field. Against a median of 1.25% for banks in the $100M-1B asset tier, Bank of Western Oklahoma reported 2.39% on return on assets in Q3 2026, 1.13 points higher; the peer median is as of Q2 2026.
Capital adequacy
| Line item | Q3 2026 |
|---|---|
| CET1 capital ratio | 11.01% |
| Tier 1 risk-based capital ratio | 11.01% |
| Total risk-based capital ratio | 11.94% |
| Tier 1 leverage ratio | 8.25% |
| Equity capital to assets | 8.71% |
| Tangible equity to tangible assets | 8.23% |
Asset quality
| Line item | Q3 2026 |
|---|---|
| Non-performing loans to loans | 0.02% |
| Non-performing assets ratio | 0.01% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.76% |
| Allowance for credit losses to loans | 0.82% |
| Reserve coverage of non-performing loans | 4528.36% |
Earnings
| Line item | Q3 2026 |
|---|---|
| Return on assets | 2.39% |
| Return on equity | 27.81% |
| Net interest margin | 5.15% |
| Efficiency ratio | 50.45% |
| Yield on earning assets | 7.29% |
| Cost of funds | 2.38% |
Liquidity and funding
| Line item | Q3 2026 |
|---|---|
| Loan-to-deposit ratio | 87.97% |
| Core deposits to total deposits | 74.13% |
| Brokered deposits to total deposits | 4.76% |
| Deposits to assets | 90.36% |
| Securities to assets | 6.76% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q4 2023 | 11.11% | 11.11% | 12.10% | 8.37% | 3.16% |
| Q1 2024 | 11.00% | 11.00% | 11.96% | 8.44% | 3.12% |
| Q2 2024 | 10.91% | 10.91% | 11.83% | 8.25% | 2.81% |
| Q3 2024 | 10.93% | 10.93% | 11.85% | 8.56% | 3.02% |
| Q4 2024 | 10.83% | 10.83% | 11.80% | 8.34% | 2.00% |
| Q1 2025 | 10.40% | 10.40% | 11.32% | 8.06% | 2.28% |
| Q2 2025 | 9.68% | 9.68% | 10.64% | 8.07% | 2.67% |
| Q3 2025 | 9.71% | 9.71% | 10.61% | 8.07% | 2.88% |
| Q4 2025 | 10.36% | 10.36% | 11.39% | 7.82% | 1.22% |
| Q1 2026 | 10.45% | 10.45% | 11.49% | 8.16% | 2.35% |
| Q2 2026 | 10.34% | 10.34% | 11.20% | 8.06% | 2.08% |
| Q3 2026 | 11.01% | 11.01% | 11.94% | 8.25% | 2.39% |
Bank of Western Oklahoma vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Bank of Western Oklahoma, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)