# BANK OF WESTERN OKLAHOMA
ELK CITY, OK · FDIC certificate 4087 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $469.7M | |
| Deposits | $426.3M | |
| Loans and leases | $373.2M | |
| Total equity | $39.9M | |
| Loans / deposits | 86.84% (p64 of band) | 82.04% |
| Liquid assets / assets | 15.96% (p19 of band) | |
| Uninsured deposits / deposits | 20.08% (p29 of band) | 25.97% |
| Brokered deposits | 4.27% | |
| Wholesale funding | 4.27% (p55 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 8.06% (p2 of band) | 10.81% |
| Unrealized securities loss / equity | -0.01% (p97 of band) | -8.10% |
| AOCI / equity | -0.15% (p63 of band) | |
| ROA (annualized) | 2.19% (p90 of band) | 1.28% |
| Net interest margin | 4.93% (p92 of band) | 3.91% |
| Efficiency ratio | 49.83% (p18 of band) | |
| Noncurrent loans | 0.11% (p24 of band) | 0.43% |
| Net charge-offs (annualized) | 0.41% (p95 of band) | |
| Reserve coverage of noncurrent | 747.29% | |
| Real estate % of loans | 69% | |
| Construction % of loans | 4.64% (p9 of band) | |
| Auto loans | $887,000 (0.24% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 8.6% | |
| Employees | 73 | |

## Flags firing in the latest filing

- **charge-offs p90** (`aq_nco`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | leverage <7%, reserve under noncurrent |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 2 |  |  |
| 2012-06 | 2 |  |  |
| 2012-09 | 1 |  | reserve under noncurrent |
| 2012-12 | 3 | deposits shrinking, uninsured deposits leaving |  |
| 2013-03 | 2 | assets shrinking | leverage <7%, uninsured deposits leaving |
| 2013-06 | 2 |  |  |
| 2013-09 | 2 |  |  |
| 2013-12 | 1 | reserve under noncurrent | deposits shrinking, assets shrinking |
| 2014-03 | 0 |  | reserve under noncurrent |
| 2014-06 | 1 | capital falling |  |
| 2014-09 | 1 | reserve under noncurrent | capital falling |
| 2014-12 | 0 |  | reserve under noncurrent |
| 2015-03 | 1 | capital falling |  |
| 2015-06 | 0 |  | capital falling |
| 2015-09 | 1 | liquid assets <10% |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 3 | capital falling, uninsured deposits leaving |  |
| 2016-06 | 1 |  | capital falling, uninsured deposits leaving |
| 2016-09 | 3 | brokered >10%, reserve under noncurrent |  |
| 2016-12 | 3 | uninsured deposits leaving | reserve under noncurrent |
| 2017-03 | 3 | capital falling | liquid assets <10% |
| 2017-06 | 2 |  | uninsured deposits leaving |
| 2017-09 | 1 | liquid assets <10% | brokered >10%, capital falling |
| 2017-12 | 1 |  |  |
| 2018-03 | 0 |  | liquid assets <10% |
| 2018-06 | 1 | capital falling |  |
| 2018-09 | 1 | liquid assets <10% | capital falling |
| 2018-12 | 0 |  | liquid assets <10% |
| 2019-03 | 1 | reserve under noncurrent |  |
| 2019-06 | 2 | capital falling |  |
| 2019-09 | 0 |  | reserve under noncurrent, capital falling |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | reserve under noncurrent |  |
| 2020-06 | 0 |  | reserve under noncurrent |
| 2020-09 | 0 |  |  |
| 2020-12 | 0 |  |  |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | capital falling |  |
| 2022-06 | 1 |  |  |
| 2022-09 | 0 |  | capital falling |
| 2022-12 | 0 |  |  |
| 2023-03 | 1 | uninsured deposits leaving |  |
| 2023-06 | 0 |  | uninsured deposits leaving |
| 2023-09 | 0 |  |  |
| 2023-12 | 0 |  |  |
| 2024-03 | 0 |  |  |
| 2024-06 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2024-09 | 2 |  |  |
| 2024-12 | 2 |  |  |
| 2025-03 | 3 | capital falling |  |
| 2025-06 | 1 |  | noncurrent p90, capital falling |
| 2025-09 | 2 | liquid assets <10% |  |
| 2025-12 | 1 | charge-offs p90 | reserve under noncurrent, liquid assets <10% |
| 2026-03 | 0 |  | charge-offs p90 |
| 2026-06 | 1 | charge-offs p90 |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2021-10-21 [Western Bank of Oklahoma puts its money where its mouth is - southwestledger.news](https://news.google.com/rss/articles/CBMilAFBVV95cUxON1hwa0lxdlBpVFY3bmo3aG1Mc3M5STlNTndzVEpvSXBkZndnV1hWTlU3UDU2WXppcjI2QTQzR2Vra09XUjdSSzYyclBBNDJPODhBSnBFYmRnLVFJVEp5bVY1VVFTN3RIdDRfaHNhUEwwX2tiZ0hhRk92cGswVXgzRlRmem1IVXVubnJtMndFQmxCRzB0?oc=5) · southwestledger.news
- 2021-08-16 [Henry Duane Harrel Obituary Aug 16, 2021 - Shaw Funeral Home | Vici, OK](https://news.google.com/rss/articles/CBMiZkFVX3lxTE9mdUl0am1GdTI5RHZreEU1ZGVpZXVEYjlQX29TaUE2RGZRRXJoV080dno5WGdIWS1rMXFJUXJtRTR6Y0xjUi02cjZld2JKMkdMeXpHMG16dnBPN0h1WlJ4SXh0ZzZOQQ?oc=5) · Shaw Funeral Home | Vici, OK
- 2020-02-27 [Harrel Appointed by Governor - KECO 96.5FM](https://news.google.com/rss/articles/CBMibkFVX3lxTE9GY3hDYkJxSHpWYVREc1BtQzE5djlCRUFIdzdvb3oxM0p4MVIyTUpuUVRyVWg1OURfTXRidHUwMWZSNEhDZjYyWmdiR0RwOEpxX3JZNVBZbWo1NjFvSkY3OXlySE1oRHFKQUxwT1VR?oc=5) · KECO 96.5FM
- 2016-04-07 [Jimmy Harrel Named SWOSU’s 2016 Recipient of Cecil Perkins Service Award - Southwestern Oklahoma State University Athletics](https://news.google.com/rss/articles/CBMigwFBVV95cUxNOFlMa3ZGWU9LQThJbkRPemhMQkp5eGZCQTl3VkxDbXVYS2lGMG5jSmVJTWNfV3RScmZZMVdUNEFCZ19pMjFnWEpQM1l0LVRvejlvc0lnY2tDNEYyandBLThkRlQteVdua3JvWEJpVVl3VktEOGFyQ0x6azY1eVlOOGF0WQ?oc=5) · Southwestern Oklahoma State University Athletics
- 2022-11-25 [Banking Board reduces ’23 assessments by 50% - southwestledger.news](https://news.google.com/rss/articles/CBMigwFBVV95cUxNQVh2bVJBbDB6aWtpenl4SC1BSlFJX0MzbE43REJZVVZnS1FPR2NCMk9HUWRSN2g3d01KaThJeG5Ic2lHTm1LZm1QQ2VYTEJ3YldpN3p5MERPMnFFNUFQWFVROURaU2IwQTR6bUY5UWFrSmJEUnM3SjFaX2hRSFhUOEQ5VQ?oc=5) · southwestledger.news
- 2010-09-02 [New landmark goes up at bank - Woodward News](https://news.google.com/rss/articles/CBMiwAFBVV95cUxQMHp5NlNjSlZ5WU5qSkNBWXllQTExTWNrN2gyT0FQMVJkTTVhYjlGV1hmTjVDbHVJM0V4bVg2dXpwQnpGZkJmeVlldkpseDJmWFJuY1hQYTNzLWtSQUNYdGNxZkh6VEc1a2p0elc1WmlxZS1lNDZScDdVb3ZUaGN5RzlnM3dkc0pJQWwzYmtBdFcwMDdHanR3U2dNM2xDMFdNZ0tlZTNfc2VCM1c4Rk1ZRThQMmhzSlBNOTd6c2c0VnM?oc=5) · Woodward News
- 2025-03-21 [The Curtain Drops on the OYE in Jim Norick Arena with the $1.4 Million Dollar Sale of Champions - Oklahoma Farm Report](https://news.google.com/rss/articles/CBMi1AFBVV95cUxQSEcyQ1FMMjlNRnVRS1NNZjJmSi1jT0JnaWZoVF9Qci1jZzVXTDVQVHhFaVRha05XUEN5U3dkX0c3alRKM0daVHk1NS1hM0FkeV8tYWszYnBkdEpoUk9ETXlCYl90Z1ZqN3ctYWNudXNLTWY5bTRtbTEzeHhzY3pKWWxnNHdBcGVYRjV5bFVwTXJUbzV5UzJ6VUlIMUp1NjN2STFxS2xjVmFOa09MYmhqbFBMMnVqdHFaZkJwc2JCM2ZUdGFVZWVuRUc2ZDBGWUVzM3ktTg?oc=5) · Oklahoma Farm Report
- 2023-01-23 [Oklahoma fires leave houses in ashes, kill livestock - Farm Progress](https://news.google.com/rss/articles/CBMikAFBVV95cUxPUUE2MU1pbGlnMkpzNmRxNHYzckQ0ZGUyZzBZWFJPTTdVRUJHVy1TdmRTamF0bFFIZ01kM1NqN1JSSEpzQTA3T25jOE50UXdBaERLZ1VLckt3dGZYZWM0d1czVkdLUTFZUjVYWDlNVGZhOGE4NXNRWENvdEk5VDdpVEhTNUloLVFYRnRVZnFXT0k?oc=5) · Farm Progress

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=4087 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/55.json (key "4087", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide