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
Unfavorable gap of $10.3M · efficiency ratio beats 84% 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 | 1.71% | 0.85% | 1.26% | 1.60% | Beats 82% | 16 / 89 | |
| Return on Equity | 20.11% | 7.40% | 11.89% | 14.65% | Beats 94% | 5 / 89 | |
| Net Interest Margin | 4.61% | 3.46% | 3.93% | 4.45% | Beats 76% | 21 / 89 | |
| Efficiency Ratio | 49.83% | 54.70% | 60.95% | 71.14% | Beats 84% | 15 / 89 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.11% | 0.30% | 0.82% | 2.25% | Beats 82% | 17 / 88 | |
| Net Charge-Offs / Loans | 0.27% | 0.00% | 0.03% | 0.20% | Beats 24% | 68 / 88 | |
| Capital |
| Tier 1 Capital Ratio | 10.34% | 10.89% | 13.00% | 16.33% | Beats 12% | 78 / 89 | |
| Total Risk-Based Capital Ratio | 11.20% | 11.20% | 13.06% | 16.33% | Beats 25% | 67 / 89 | |
| Equity / Assets | 8.49% | 9.26% | 10.94% | 13.52% | Beats 13% | 77 / 89 | |
| Liquidity & Funding |
| Loans / Deposits | 87.55% | 61.51% | 72.27% | 84.01% | 82nd pctl | 16 / 88 | |
| Loans / Assets | 79.46% | 52.51% | 63.15% | 71.27% | 90th pctl | 9 / 89 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |