C
Bank of Western Oklahoma
Rating Date
October 2025
Risk Based
Capital Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings Bank of Western Oklahoma
Elk City, OK
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Rating C
Asset Quality Index 2.30
Capitalization Index 6.10
Liquidity Index 0.10
Profitability Index 9.80
Stability Index 6.90
Company Info Bank of Western Oklahoma
Elk City, OK
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FDIC Number 4087
Phone Number (580) 225-3434
Website www.bankofwesternoklahoma.com
Asset Quality Bank of Western Oklahoma
Elk City, OK
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1-Year Asset Growth 12.34%
5-Year Asset Growth 7.00%
5-Year Charge-Offs to Average Loans 0.04%
Charge-Offs to Average Loans 0.02%
Non-Performing Assets to Assets 1.57%
Non-Performing Loans to Capital 18.61%
Non-Performing Loans to Loans 1.86%
Balance Sheet Bank of Western Oklahoma
Elk City, OK
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Total Assets 432.33M
Total Deposits 392.44M
Capital and Reserves Bank of Western Oklahoma
Elk City, OK
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Capital 36.18M
Leverage Ratio 8.07
Loan Loss Reserves to Loans 0.87%
Risk-Based Capital Ratio 10.64
Liquidity Bank of Western Oklahoma
Elk City, OK
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Hot Money Ratio 48.56%
Liquidity Ratio 9.75%
Profitability Bank of Western Oklahoma
Elk City, OK
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5-Year Return on Average Assets 2.25%
Net Income 5.14M
Net Interest Spread 5.42%
Operating Profit to Average Assets 2.48%
Overhead Efficiency Ratio 49.16%
Return on Assets 2.48%
Return on Equity 29.07%