Bank of the West, The
Thomas, OK · Cert 25703 · Peer group: banks under $1B in assets in OK (n=87-88) · Bancwest Inc.
State charter, non-member · FDIC · 4 branches
Q2 2026
$192.4MAssets
$135.0MLoans
$171.2MDeposits
$19.8MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 80% of banks under $1B in assets in OK (rank 18 of 87).
- Widest gap: nonperforming loans / loans trails 74% of banks under $1B in assets in OK (rank 65 of 87).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
1.54%
Rank 25 of 88
Net Interest Margin
4.33%
Rank 25 of 88
Efficiency Ratio
56.15%
Rank 29 of 88
Equity / Assets
10.29%
Rank 55 of 88
Non-interest income vs. expense
Unfavorable gap of $4.4M · efficiency ratio beats 68% of banks under $1B in assets in OK | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.54% | 0.85% | 1.26% | 1.62% | Beats 72% | 25 / 88 | |
| Return on Equity | 14.95% | 7.40% | 11.89% | 14.66% | Beats 76% | 21 / 88 | |
| Net Interest Margin | 4.33% | 3.51% | 3.93% | 4.47% | Beats 72% | 25 / 88 | |
| Efficiency Ratio | 56.15% | 54.70% | 61.50% | 71.28% | Beats 68% | 29 / 88 | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.22% | 0.30% | 0.82% | 2.25% | Beats 26% | 65 / 87 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.03% | 0.20% | Beats 80% | 18 / 87 | |
| Capital |
| Tier 1 Capital Ratio | 12.72% | 10.89% | 13.04% | 16.40% | Beats 45% | 48 / 88 | |
| Total Risk-Based Capital Ratio | 13.97% | 11.20% | 13.09% | 16.43% | Beats 58% | 37 / 88 | |
| Equity / Assets | 10.29% | 9.26% | 10.95% | 13.63% | Beats 38% | 55 / 88 | |
| Liquidity & Funding |
| Loans / Deposits | 78.83% | 60.39% | 72.27% | 84.01% | 57th pctl | 37 / 87 | |
| Loans / Assets | 70.16% | 52.51% | 63.37% | 71.46% | 67th pctl | 29 / 88 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |