C
Bank of Western Oklahoma
Rating Date
June 2026
Risk Based
Capital Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
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Net
Income
Weiss Ratings Bank of Western Oklahoma
Elk City, OK
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Rating C
Asset Quality Index 6.20
Capitalization Index 6.20
Liquidity Index 0.20
Profitability Index 9.90
Stability Index 3.70
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 13.34%
5-Year Asset Growth 7.17%
5-Year Charge-Offs to Average Loans 0.08%
Charge-Offs to Average Loans -0.06%
Non-Performing Assets to Assets 0.22%
Non-Performing Loans to Capital 3.28%
Non-Performing Loans to Loans 0.28%
Balance Sheet Bank of Western Oklahoma
Elk City, OK
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Total Assets 466.92M
Total Deposits 423.14M
Capital and Reserves Bank of Western Oklahoma
Elk City, OK
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Capital 39.44M
Leverage Ratio 8.16
Loan Loss Reserves to Loans 0.96%
Risk-Based Capital Ratio 11.49
Liquidity Bank of Western Oklahoma
Elk City, OK
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Hot Money Ratio 44.92%
Liquidity Ratio 15.00%
Profitability Bank of Western Oklahoma
Elk City, OK
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5-Year Return on Average Assets 2.36%
Net Income 2.68M
Net Interest Spread 5.02%
Operating Profit to Average Assets 2.35%
Overhead Efficiency Ratio 51.55%
Return on Assets 2.35%
Return on Equity 27.35%