| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.6% | +4.4% | +4.3 pts |
| Deposit growth (YoY) | +8.6% | +4.0% | +4.7 pts |
| Loan growth (YoY) | +1.9% | +5.6% | -3.6 pts |
| ROA | 2.19% | 1.24% | +1.0 pts |
| ROE | 25.9% | 11.9% | +14.1 pts |
ROA ranks in the 91st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $469.7M | $426.3M | $370.2M | $39.9M | $5.1M | 2.19% | 4.93% | 0.09% |
| Q1 2026 | $466.9M | $423.1M | $371.3M | $39.4M | $2.7M | 2.30% | 4.94% | 0.29% |
| Q4 2025 | $463.0M | $419.6M | $374.2M | $38.9M | $9.7M | 2.24% | 5.50% | 0.32% |
| Q3 2025 | $442.7M | $401.2M | $379.3M | $37.5M | $8.3M | 2.60% | 5.48% | 0.84% |
| Q2 2025 | $432.3M | $392.4M | $363.1M | $36.2M | $5.1M | 2.46% | 5.41% | 1.59% |
| Q1 2025 | $412.0M | $372.9M | $336.5M | $35.2M | $2.3M | 2.26% | 5.24% | 2.17% |
| Q4 2024 | $411.5M | $372.6M | $318.4M | $34.8M | $10.5M | 2.70% | 5.87% | 1.66% |
| Q3 2024 | $382.9M | $344.1M | $313.9M | $35.0M | $8.5M | 2.98% | 6.10% | 1.78% |
Loan mix (Q2 2026): real estate $257.6M · commercial $52.1M · consumer $2.3M · securities $11.5M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Bank of Western Oklahoma | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 2.19% | 1.24% | 91st | |
Return on equity Annualized net income ÷ equity or net worth | 25.9% | 11.9% | 96th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.93% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 49.8% | 62.9% | 16th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Bank of Western Oklahoma | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Bank of Western Oklahoma | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | Bank of Western Oklahoma | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Bank of Western Oklahoma | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Bank of Western Oklahoma | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
6 branches in 6 counties across 1 state (+0 vs 2025) · $426.3M branch deposits. Biggest market: Beckham, OK, ranked 3rd with 15.5% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Beckham, OK | 1 | $166.7M | 15.51% | 3rd |
| Woodward, OK | 1 | $95.6M | 9.81% | 5th |
| Custer, OK | 1 | $66.1M | 5.50% | 8th |
| 3 more counties with Pro → | ||||
Oklahoma: 69th with 0.25% ·
Branch count: 2022 6 · 2023 6 · 2024 6 · 2025 6 · 2026 6
Technology spend up 26% in 2025. Pro shows the figures, trend and peer comparison.
Technology spend is part of CharterBench Pro — on every bank page, in the screener and in the account brief.
Banks itemize data processing on Schedule RI-E when it exceeds $100,000 and 7% of other non-interest expense; most community banks itemize at year-end only, so figures are full calendar years. Peer group: banks in the same asset band. Not available for credit unions (the NCUA call report has no comparable line).