C
Bank of Western Oklahoma
Rating Date
June 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 1.30
Capitalization Index 6.10
Liquidity Index 0.10
Profitability Index 8.20
Stability Index 7.20
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 8.69%
5-Year Asset Growth 7.00%
5-Year Charge-Offs to Average Loans 0.04%
Charge-Offs to Average Loans 0.07%
Non-Performing Assets to Assets 1.64%
Non-Performing Loans to Capital 25.06%
Non-Performing Loans to Loans 2.00%
Balance Sheet Bank of Western Oklahoma
Elk City, OK
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Total Assets 411.95M
Total Deposits 372.87M
Capital and Reserves Bank of Western Oklahoma
Elk City, OK
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Capital 35.22M
Leverage Ratio 8.06
Loan Loss Reserves to Loans 0.83%
Risk-Based Capital Ratio 11.32
Liquidity Bank of Western Oklahoma
Elk City, OK
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Hot Money Ratio 46.06%
Liquidity Ratio 10.78%
Profitability Bank of Western Oklahoma
Elk City, OK
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5-Year Return on Average Assets 2.25%
Net Income 2.33M
Net Interest Spread 5.23%
Operating Profit to Average Assets 2.28%
Overhead Efficiency Ratio 53.36%
Return on Assets 2.28%
Return on Equity 26.61%