Bank of Western Oklahoma
Elk City, OK
IDRSSD: 175056
Total Assets
$462.98M
Latest filing
Total Deposits
$419.60M
Latest filing
Net Interest Margin
5.58%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
103101602ELK CITY, OK
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Bank of Western Oklahoma
201 E Broadway Ave
Elk City, OK 73644
Full Service - Brick and Mortar
Updated 01/30/2026Established 04/01/1908FDIC Certificate 2660
Branches (5)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Bank of Western Oklahoma (Main) | 201 E Broadway Ave | Elk City, OK |
| WEATHERFORD BRANCH | 115 N Custer St | Weatherford, OK |
| NORTH COLLEGE BRANCH | 116 N College St | Cordell, OK |
| GEARY BRANCH | 101 W Main St | Geary, OK |
| VICI BRANCH | 300 East Broadway | Vici, OK |
| 2805 WILLIAMS AVENUE BRANCH | 2805 Williams Ave | Woodward, OK |
Showing 5 of 5
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed member, supervised by FRB |
| Primary Regulator | FED |
| Established Date | 04/01/1908 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 73644 |
| State and County Number | 40009 |
| Subchapter S Corporations | Yes |
| Trust Powers | N/A |
| Federal Reserve ID Number | 10 |
| Numeric code | 13 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Dallas |
| Core Based Statistical Area Name | Elk City, OK |
Operational Info
| Number of Employees | 73 |
| Domestic Offices | 6 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.bankofwesternoklahoma.com |
| Data Updated | 01/30/2026 |
| CERT | 4087 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $462.98M |
| Total Deposits | $419.60M |
| Total Liabilities | $424.12M |
| Total Equity Capital | $38.86M |
| Net Income | $1.42M |
| Net Loans and Leases | $374.17M |
| Assets Per Employee ($Millions) | $6.17M |
| Bank Premises and Fixed Assets | $7.55M |
| Cash and Balances due from Depository Institutions | $47.77M |
| Deposits Held in Domestic Offices | $419.60M |
Key Performance Ratios
| Return on Assets (ROA) | 1.26% |
| Return on Equity (ROE) | 14.93% |
| Net Interest Margin | 5.58% |
| Efficiency Ratio | 50.15% |
| Tier 1 Risk-Based Capital Ratio | 10.359% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 1.38% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 8.394% |
| Earning Assets to total Assets | 93.28% |
Income and Expense
| Total Interest Income | $8.38M |
| Total Noninterest Income | $104.00k |
| Total Interest Expense | $2.50M |
| Total Noninterest Expense | $3.00M |
| Net Interest Income | $5.88M |
| Pre-tax Net Operating Income | $1.42M |
| Provision for Credit Losses | $1.56M |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $350.00k |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $4.52M |
| Total Liabilities and Capital | $462.98M |
Securities
| Securities | $16.45M |
| Available-for-sale debt securities | $16.45M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Bank of Western Oklahoma?
$462.98M as of the latest filing.
How much are Bank of Western Oklahoma's total deposits?
$419.60M in total deposits.
Where is Bank of Western Oklahoma located?
Elk City, OK.
What is the Net Interest Margin?
5.58%.
How many domestic offices does it operate?
6.
When was it established?
04/01/1908.
What is the Return on Assets (ROA)?
1.26%.
How much are total loans and leases?
$374.17M (latest filing).
What is the total interest income (latest filing)?
$8.38M.