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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