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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 ’247.49%Q2 ’256.64%Q2 ’26-5%-12%

Non-interest income vs. expense

2.89%Q2 ’242.52%Q2 ’252.29%Q2 ’26-18%-4%

Executive Summary

  • Earnings: ROA of 1.63%, down 46 bps year over year; NIM at 4.62%.
  • Asset quality: problem loans at 0.11% of loans (-177 bps YoY), with net charge-offs at 1.07%.
  • 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 (quarter, annualized)

1.63%-46 bps YoY

Net Interest Margin (quarter, annualized)

4.62%-65 bps YoY

Efficiency Ratio (quarter, annualized)

48.13%+270 bps YoY

Tier 1 Leverage Ratio

8.06%-1 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.09%2.25%0.99%1.81%1.63%-46 bps
Return on Equity24.75%26.78%11.78%21.49%19.24%-551 bps
Net Interest Margin5.28%5.28%5.06%4.72%4.62%-65 bps
Efficiency Ratio45.43%46.72%50.15%51.55%48.13%+270 bps
Non-Interest Burden2.22%2.37%2.48%2.34%2.13%-9 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 / Loans-0.02%0.09%1.25%-0.06%1.07%+110 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