PackageTrendsPeer
Letter portraitLegal landscape

Bank of Western Oklahoma

Elk City, OK · Cert 4087 · Western OK Bancshares Inc.

State charter, Fed member · FED · 6 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in OK3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in OK (n=88 to 89). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

17

Q2 2024Q2 2026peer median (50)

Asset Quality

53

Q2 2024Q2 2026peer median (50)

Profitability

84

Q2 2024Q2 2026peer median (50)

Liquidity

21

Q2 2024Q2 2026peer median

Efficiency

84

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Bank of Western Oklahoma

Elk City, OK · Cert 4087 · Western OK Bancshares Inc.

State charter, Fed member · FED · 6 branches

Q2 2026

$469.7MAssets
$373.2MLoans
$426.3MDeposits
$39.9MEquity
Loan mix
85%RE $263.8M14%C&I $45.0M1%Consumer $2.2MQ2 2025Q2 2026
Deposit mix
74%Interest-bearing $315.4M26%Noninterest $110.9MQ2 2025Q2 2026

NIM

7.71%Q2 ’247.25%Q2 ’256.59%Q2 ’26-10%-8%

Non-interest income vs. expense

2.96%Q2 ’242.57%Q2 ’252.36%Q2 ’26-12%-6%

Executive Summary

  • Earnings: ROA of 1.72%, down 21 bps year over year; NIM at 4.61%.
  • Asset quality: problem loans at 0.11% of loans (-177 bps YoY), with net charge-offs at 0.51%.
  • Capital: tier 1 leverage ratio of 8.06%, down 1 bps from a year ago.
  • Funding: loans stand at 87.55% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.72%-21 bps YoY

Net Interest Margin (YTD, annualized)

4.61%-42 bps YoY

Efficiency Ratio (YTD, annualized)

49.83%+67 bps YoY

Tier 1 Leverage Ratio

8.06%-1 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.93%2.04%1.77%1.81%1.72%-21 bps
Return on Equity22.83%24.14%20.96%21.49%20.36%-247 bps
Net Interest Margin5.03%5.00%4.75%4.72%4.61%-42 bps
Efficiency Ratio49.16%48.31%48.79%51.55%49.83%+67 bps
Non-Interest Burden2.34%2.29%2.22%2.34%2.21%-13 bps
Growth
Asset Growth (YoY)12.34%15.63%12.51%13.34%8.64%-370 bps
Loan Growth (YoY)18.95%20.82%17.61%10.48%1.87%-1,707 bps
Deposit Growth (YoY)12.92%16.58%12.60%13.48%8.63%-429 bps
Asset Quality
Nonperforming Loans / Loans1.88%0.88%0.30%0.36%0.11%-177 bps
Net Charge-Offs / Loans0.02%0.04%0.35%-0.06%0.51%+49 bps
Allowance / Loans0.87%0.81%0.94%0.96%0.81%-6 bps
Allowance Coverage of NPLs0.5x0.9x3.2x2.7x7.5x+7.0x
Capital
Tier 1 Leverage Ratio8.07%8.07%7.82%8.16%8.06%-1 bps
Total Risk-Based Capital10.64%10.61%11.39%11.49%11.20%+57 bps
Equity / Assets8.37%8.46%8.39%8.45%8.49%+12 bps
Liquidity & Funding
Loans / Deposits93.35%95.32%90.01%88.59%87.55%-580 bps
Liquid Assets / Assets5.35%3.56%8.91%9.93%12.09%+674 bps
CRE / Total Capitaln/a190.29%230%235%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Bank of Western Oklahoma

Elk City, OK · Cert 4087 · Peer group: banks under $1B in assets in OK (n=88-89) · Western OK Bancshares Inc.

State charter, Fed member · FED · 6 branches

Q2 2026

$469.7MAssets
$373.2MLoans
$426.3MDeposits
$39.9MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 94% of banks under $1B in assets in OK (rank 5 of 89).
  • Widest gap: tier 1 capital ratio trails 88% of banks under $1B in assets in OK (rank 78 of 89).
  • Overall: at or above the peer median on 5 of 9 directional measures.

Return on Assets

1.71%

Rank 16 of 89

Net Interest Margin

4.61%

Rank 21 of 89

Efficiency Ratio

49.83%

Rank 15 of 89

Equity / Assets

8.49%

Rank 77 of 89

Non-interest income vs. expense

$0.7M$11.0MINCOMEEXPENSE
Unfavorable gap of $10.3M · efficiency ratio beats 84% of banks under $1B in assets in OK
Bank 49.83%Peer median 61.0%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.71%0.85%1.26%1.60%Beats 82%16 / 89
Return on Equity20.11%7.40%11.89%14.65%Beats 94%5 / 89
Net Interest Margin4.61%3.46%3.93%4.45%Beats 76%21 / 89
Efficiency Ratio49.83%54.70%60.95%71.14%Beats 84%15 / 89
Asset Quality
Nonperforming Loans / Loans0.11%0.30%0.82%2.25%Beats 82%17 / 88
Net Charge-Offs / Loans0.27%0.00%0.03%0.20%Beats 24%68 / 88
Capital
Tier 1 Capital Ratio10.34%10.89%13.00%16.33%Beats 12%78 / 89
Total Risk-Based Capital Ratio11.20%11.20%13.06%16.33%Beats 25%67 / 89
Equity / Assets8.49%9.26%10.94%13.52%Beats 13%77 / 89
Liquidity & Funding
Loans / Deposits87.55%61.51%72.27%84.01%82nd pctl16 / 88
Loans / Assets79.46%52.51%63.15%71.27%90th pctl9 / 89
Brokered Deposits / Depositsn/aNot reported for this institution