Total Assets
$175M
Total balance-sheet footings
FDIC Cert #25703 · Thomas, Oklahoma · Est. 1984
The Bank of the West - FDIC Bank Health Profile
A community-scale look at The Bank of the West's own numbers, pulled straight from its quarterly FDIC Call Report.
- $175M
- Total assets
- A
- Health grade · Excellent
- 2.39%
- Return on assets
- 12.7%
- Tier 1 capital
Data updated July 2026
The verdict
The Bank of the West earns a PlainBankData health grade of A (88/100), with well-capitalized at 12.68% Tier 1, profitable at 2.39% ROA, efficient (53% cost ratio).
- #3,184
- largest of 4,313 FDIC banks by assets
- 26th
- percentile by asset size, nationally
- 12.68%
- Tier 1 ratio - above the 10% well-capitalized line
- 95th
- percentile for profitability (ROA), nationally
The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.
How The Bank of the West's 88/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
The Bank of the West's composite health score
Tier 1 Capital Ratio (12.68%) 35/40
Return on Assets (ROA) (2.39%) 25/25
Texas Ratio (12.36%) 16/20
Efficiency Ratio (53.10%) 12/15
88 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$152M
Customer-funded liabilities
Net Loans
$153M
Outstanding loan book
Net Income
$4M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where The Bank of the West ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. The Bank of the West's score of 88/100 falls in the highlighted band.
The Bank of the West's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). The Bank of the West's $175M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
12.68% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
12.68%
Texas Ratio
12.36%
Equity Capital
$22M
Profitability metrics
Return on Assets (ROA)
95th percentile nationally
2.39%
Return on Equity (ROE)
19.28%
Efficiency Ratio
53.10%
What the numbers say about The Bank of the West
The Bank of the West is an FDIC-insured institution (Certificate #25703) headquartered in Thomas, Oklahoma, established in 1984. It holds $175M in total assets - 3,184th of 4,313 FDIC-insured banks, $152M in customer deposits, and $153M in net loans. On safety, its Tier 1 capital ratio of 12.68% is above the 10% well-capitalized threshold, and its Texas Ratio of 12.36% sits in the healthy range below 50%. It earns a PlainBankData health grade of A (88/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within Oklahoma, The Bank of the West ranks 106th of 172 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$12M
Interest Income
$449K
Non-Interest Income
$5M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. The Bank of the West reports a Texas Ratio of 12.36% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
12.36% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Oklahoma by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) The Bank of the West (FDIC Cert #25703) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 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 AssociationTulsa | $52.0B | A | 1.10% |
| MidFirst BankOklahoma City | $41.4B | B | 1.19% |
| First United Bank and Trust CompanyDurant | $16.3B | B | 0.97% |
| BancFirstOklahoma City | $12.1B | A | 1.79% |
| InterBankOklahoma City | $5.5B | B | 3.60% |
| Stride Bank, National AssociationEnid | $4.9B | A | 2.10% |
| RCB BankClaremore | $4.1B | A | 1.32% |
| First Fidelity BankOklahoma City | $2.9B | B | 0.94% |
Frequently asked questions
What is The Bank of the West's health grade?▼
The Bank of the West receives a health grade of A (88/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is The Bank of the West?▼
The Bank of the West holds $175M in total assets and $152M in deposits, ranking 3,184th of 4,313 FDIC-insured banks by asset size. It is headquartered in Thomas, Oklahoma.
Is my money safe at The Bank of the West?▼
Yes, deposits at The Bank of the West (Certificate #25703) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is The Bank of the West's Tier 1 Capital Ratio?▼
The Bank of the West has a Tier 1 Capital Ratio of 12.68%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for The Bank of the West?▼
The Bank of the West has a Texas Ratio of 12.36%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is The Bank of the West?▼
The Bank of the West has an Efficiency Ratio of 53.10%. Below 60% is considered efficient, the bank converts a strong share of revenue into profit. This metric compares non-interest expenses to total revenue.
What to do with this
How to read The Bank of the West's profile as a depositor or analyst.
- The Bank of the West's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare The Bank of the West against other Oklahoma banks before moving funds. Oklahoma banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.