Bank of Western Oklahoma: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Bank of Western Oklahoma is an FDIC-insured commercial bank. As of Q3 2026, the bank held approximately $465M in total assets and $421M in deposits. Profitability is strong, 2.39% ROA, paired with 27.81% ROE and a 5.15% net interest margin. Capital is comfortably above regulatory requirements, CET1 ratio of 11.01% sits well above the 7% level required once the capital conservation buffer is included. Credit metrics are pristine, with nonperforming loans at just 0.02%. It operates 6 branches, primarily in Oklahoma.
As of September 30, 2026, Bank of Western Oklahoma reported a CET1 capital ratio of 11.01%, a return on assets of 2.39%, a nonperforming-loan ratio of 0.02%, a Texas ratio of 0.76%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 201 E Broadway Ave, Elk City, OK 73644
- County
- Beckham
- Metro Area
- Elk City, OK
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- April 1, 1908
- Offices
- 6 domestic
- Employees (FTE)
- 77
- Domestic deposits
- $420.6M
- Allowance for credit losses
- $3.0M
- Net charge-offs (YTD)
- $949K
- Average total assets
- $468.2M
- Average total loans
- $372.0M
- Average interest-bearing deposits
- $290.9M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 4087
- Fed RSSD
- 175056
- Website
- www.bankofwesternoklahoma.com →
- Parent Holding Company
- WESTERN OKLAHOMA BANCSHARES, INC. (RSSD 1062706)
Profitability
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through September 30, 2026, as filed. Net income is tagged Q3 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Bank of Western Oklahoma terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Bank of Western Oklahoma, freeBank of Western Oklahoma rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for Bank of Western Oklahoma: ROA.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q3 2026 | 11.01% | 2.39% | 0.02% | 0.76% | 5.15% |
| Q2 2026 | 10.34% | 2.08% | 0.01% | 1.00% | 4.88% |
| Q1 2026 | 10.45% | 2.35% | 0.28% | 3.28% | 5.02% |
| Q4 2025 | 10.36% | 1.22% | 0.28% | 3.68% | 5.34% |
| Q3 2025 | 9.71% | 2.88% | 0.87% | 9.74% | 5.59% |
| Q2 2025 | 9.68% | 2.67% | 1.86% | 18.60% | 5.61% |
| Q1 2025 | 10.40% | 2.28% | 2.00% | 25.10% | 5.23% |
| Q4 2024 | 10.83% | 2.00% | 2.11% | 19.42% | 5.40% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 6 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Bank of Western Oklahoma (main office) | Elk City , OK | 73644 | $166.7M |
| 2805 Williams Avenue Branch | Woodward , OK | 73801 | $95.6M |
| Weatherford Branch | Weatherford , OK | 73096 | $66.1M |
| Geary Branch | Geary , OK | 73040 | $34.8M |
| North College Branch | Cordell , OK | 73632 | $34.1M |
| Vici Branch | Vici , OK | 73859 | $29.0M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| March 28, 1992 | Structure Change | Acquired Red River Federal Savings and Loan Association, F.A. Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 1 event.
Regulatory record
What the public regulatory sources show for Bank of Western Oklahoma, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.3% of deposits in OK, rank 59 of 194 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Bank of Western Oklahoma
What are Bank of Western Oklahoma's total assets?
As of the Q3 2026 filing, Bank of Western Oklahoma reported total assets of $465.5 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Bank of Western Oklahoma headquartered?
Bank of Western Oklahoma is headquartered in Elk City, OK, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Bank of Western Oklahoma founded?
Bank of Western Oklahoma was established in 1908, per the FDIC institution directory.
Is Bank of Western Oklahoma FDIC-insured?
Yes. Bank of Western Oklahoma is an FDIC-insured commercial bank (FDIC Certificate #4087). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Bank of Western Oklahoma?
Bank of Western Oklahoma's primary federal regulator is the Federal Reserve. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Bank of Western Oklahoma's CET1 capital ratio?
Bank of Western Oklahoma reported a Common Equity Tier 1 (CET1) capital ratio of 11.01% in its Q3 2026 call report, above regulatory requirements.
How many branches does Bank of Western Oklahoma operate?
Bank of Western Oklahoma operates 6 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Bank of Western Oklahoma's Texas Ratio?
Bank of Western Oklahoma's Texas Ratio is 0.76% in its Q3 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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