Total Assets
$463M
Total balance-sheet footings
2026 data FDIC sourced Public-data reference.
Bank of Western Oklahoma — FDIC Bank Health Profile
Elk City, Oklahoma · Est. 1908. Free, sourced from the FDIC BankFind Suite — refreshed each quarter and cross-checked against the FDIC Call Report.
State chartered State member bank FDIC Cert #4087 Dallas Region
B
Health grade
Good
Score: 68/100
Basel III capital ratios — Bank of Western Oklahoma
Total Deposits
$420M
Customer-funded liabilities
Net Loans
$374M
Outstanding loan book
Net Income
$10M
Bottom-line earnings
Safety Metrics
Tier 1 capital ratio
Well-capitalized 10%
10.36% of risk-weighted assets — above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
Core capital ÷ risk-weighted assets. Well-capitalized: ≥10%
10.36%
Texas Ratio
Non-performing loans ÷ equity. Danger zone: >100%
—
Equity Capital
Tangible book value as a capital buffer
$39M
Profitability Metrics
Return on Assets (ROA)
Net income ÷ assets. Healthy: ≥1%
2.24%
Return on Equity (ROE)
Net income ÷ equity. Industry avg: ~10%
26.57%
Efficiency Ratio
Operating costs ÷ revenue. Efficient: <60%
48.79%
Income & Expense Breakdown
$32M
Interest Income
$777K
Non-Interest Income
$11M
Non-Interest Expense
FDIC Deposit Insurance
Bank of Western Oklahoma is FDIC-insured (Certificate #4087). Your deposits are protected up to $250,000 per depositor, per account category regardless of this bank's health grade.
What the Numbers Say About Bank of Western Oklahoma
Bank of Western Oklahoma is an FDIC-insured institution (Certificate #4087) headquartered in Elk City, Oklahoma, established in 1908. The bank currently holds $463M in total assets and $420M in customer deposits, with $374M deployed as loans. It operates as a State chartered (State member bank) within the FDIC Dallas region. These figures come directly from the bank's quarterly FDIC Call Report and reflect the balance sheet as of the latest regulatory filing.
On safety metrics, Bank of Western Oklahoma reports a Tier 1 Capital Ratio of 10.36% — above the 10% federal threshold for "well-capitalized" status and a Texas Ratio of —. Equity capital stands at $39M, serving as the tangible buffer against loan losses. On profitability, the bank posted a Return on Assets of 2.24% and a Return on Equity of 26.57%, with an Efficiency Ratio of 48.79% — below the 60% mark considered efficient for the industry. The combined picture yields a PlainBankData health grade of B (68/100), a composite score that blends all four dimensions.
Not financial advice. This page summarizes public FDIC Call Report data for informational purposes only. Health grades are our interpretation of regulatory filings and are not official FDIC ratings, endorsements, or predictions. Regardless of grade, every dollar on deposit at Bank of Western Oklahoma is protected by FDIC insurance up to $250,000 per depositor, per ownership category — even if the bank were to fail. For decisions about where to hold deposits, consult a qualified financial professional and verify the latest figures directly at the FDIC's BankFind Suite.
Top 5 banks in Oklahoma by total assets
Source: FDIC BankFind Suite — Call Report (FFIEC 031/041) + CRA performance data Bank of Western Oklahoma (FDIC Cert #4087) — Tier 1 capital ratio, total assets, deposits, CRA rating · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other Banks in Oklahoma
All Oklahoma banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| BOKF, National Association Tulsa | $52.0B | C | 1.10% |
| MidFirst Bank Oklahoma City | $41.4B | B | 1.19% |
| First United Bank and Trust Company Durant | $16.3B | C | 0.97% |
| BancFirst Oklahoma City | $12.1B | B | 1.79% |
| InterBank Oklahoma City | $5.5B | C | 3.60% |
| Stride Bank, National Association Enid | $4.9B | A | 2.10% |
| RCB Bank Claremore | $4.1B | B | 1.32% |
| First Fidelity Bank Oklahoma City | $2.9B | F | 0.94% |
Frequently Asked Questions
What is Bank of Western Oklahoma's health grade? ▼
Bank of Western Oklahoma receives a health grade of B (68/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is Bank of Western Oklahoma? ▼
Bank of Western Oklahoma holds $463M in total assets and $420M in deposits. It is headquartered in Elk City, Oklahoma.
Is my money safe at Bank of Western Oklahoma? ▼
Yes. Bank of Western Oklahoma is FDIC-insured (Certificate #4087). Your deposits are protected up to $250,000 per depositor, per account category, regardless of the bank's health grade. If a bank fails, the FDIC typically makes insured deposits available within one business day.
What is Bank of Western Oklahoma's Tier 1 Capital Ratio? ▼
Bank of Western Oklahoma has a Tier 1 Capital Ratio of 10.36%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
How efficient is Bank of Western Oklahoma? ▼
Bank of Western Oklahoma has an Efficiency Ratio of 48.79%. Below 60% is considered efficient — the bank converts a strong share of revenue into profit. This metric compares non-interest expenses to total revenue.
Bank Safety Guides
Related Data Sources
Data from the FDIC BankFind Suite API. Financial data as of Q4 2025.
Related
Data sourced from official U.S. government datasets. See our methodology for details. Retrieved and formatted by PlainBankData Editorial
Disclaimer: This information is provided for informational purposes only and does not constitute professional advice. Data is sourced from the FDIC BankFind Suite. Consult a qualified professional before making decisions based on this data.
Read our methodology — how this data is sourced, computed, and verified.