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Bank Of Western Oklahoma

IDRSSD: 175056
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Bank Health Dashboard

Per-bank snapshot with peer-percentile metric grid + Quarterly Anomaly Alerts as of 2026-03-31. No anomalies triggered this quarter.

Summary

RSSD 175056 held $466.9M in total assets as of 2026-03-31 (+0.9% quarter-over-quarter). Total loans stood at $371.3M (-0.8% QoQ) and total deposits at $423.1M (+0.8% QoQ).

Overall position is adequate — the composite Health Score is 54/100 (Adequate). Tier 1 / RWA stands at 10.45%, in the bottom decile of peers. Asset quality (NPL ratio) sits in the above median of peers.

No Quarterly Anomaly Alerts were triggered this quarter — the metric grid did not breach any of the Cliff Drop, Peer Outlier, or Threshold Crossing rules.

Headline KPIs

Health Score
54/100
Adequate
Active Alerts
0
No anomalies
Total Assets
$466.9M
+0.9% QoQ
Total Loans
$371.3M
-0.8% QoQ
Total Deposits
$423.1M
+0.8% QoQ

Quarterly Anomaly Alerts

Three triggers run against each metric every quarter: Cliff Drop (≥20-percentile QoQ slip), Peer Outlier (≥2σ from peer-group QoQ delta), and Threshold Crossing (supervisory + empirical bounds).

No Quarterly Anomaly Alerts this quarter. The metric grid did not breach any of the Cliff Drop, Peer Outlier, or Threshold Crossing rules.

Peer-Percentile Metric Grid

Each tile shows the latest value, the bank's peer percentile, and a color band (top quartile = green; bottom decile = red). For ratios where lower is better (NPL %, Texas Ratio, MtM/T1, etc.), the percentile direction is inverted so green always means good.

Capital

Tier 1 / RWA
10.45%
6th pctile · n=294↑ better
+9 bp QoQ
CET1 / RWA
10.45%
45th pctile · n=500↑ better
+9 bp QoQ
Total RBC / RWA
11.49%
7th pctile · n=294↑ better
+10 bp QoQ
Tier 1 Leverage Ratio
10.45%
45th pctile · n=500↑ better
+9 bp QoQ

Liquidity

Cash / Assets
11.50%
76th pctile · n=500↑ better
+118 bp QoQ
Loans / Deposits
87.74%
66th pctile · n=498↓ better
-143 bp QoQ
Non-Core Funding Dependence
—
no peer group↓ better

Asset Quality

NPL / Loans
0.36%
48th pctile · n=500↓ better
+6 bp QoQ
NPA / Assets
0.29%
49th pctile · n=500↓ better
-3 bp QoQ
Texas Ratio (regulatory)
3.28%
57th pctile · n=500↓ better
-40 bp QoQ
Net Charge-Offs / Avg Loans
-0.06%
3th pctile · n=500↓ better
-130 bp QoQ
ALLL Coverage of NPL
269.02%
57th pctile · n=500↑ better
-4643 bp QoQ

Earnings

Net Interest Margin
4.94%
94th pctile · n=500↑ better
-64 bp QoQ
Return on Assets
2.30%
92th pctile · n=500↑ better
+104 bp QoQ
Return on Equity
27.35%
97th pctile · n=500↑ better
+1242 bp QoQ
Efficiency Ratio
51.55%
20th pctile · n=500↓ better
+140 bp QoQ
Pre-tax NOI / Avg Assets
2.30%
89th pctile · n=500↑ better
+104 bp QoQ

Funding

Brokered / Deposits
3.90%
74th pctile · n=498↓ better
-259 bp QoQ
Core Deposits / Deposits
—
no peer group↑ better
FHLB Advances / Liabilities
0.00%
19th pctile · n=500↓ better

Securities

MtM Loss / Tier 1 (SVB metric)
—
no peer group↓ better
Securities / Assets
3.51%
9th pctile · n=500↑ better
-4 bp QoQ
AFS Securities / Assets
3.51%
14th pctile · n=500↑ better
-4 bp QoQ
HTM Securities / Assets
0.00%
32th pctile · n=500↑ better

Methodology

Health Score (0-100)
Unweighted average of every metric's peer percentile, with lower-is-better metrics inverted before averaging. Strong = ≥70, Adequate = 40-70, Weak = <40.
Peer group
Same asset-size bucket and charter type as the subject bank, computed nightly into PeerPercentile. Single-bank peer groups render as "no peer group" on the affected tiles.
Cliff Drop Alert
Triggered when a metric's peer percentile rank drops by ≥20 points vs the prior quarter. Direction-adjusted, so "dropping" always means moving toward the bottom of the rankings regardless of metric polarity.
Peer Outlier Alert
Triggered when the bank's QoQ change in a metric is more than 2 standard deviations away from the peer group's QoQ change distribution.
Threshold Crossing Alert
Triggered when a metric crosses one of a small set of supervisory or empirical thresholds (Tier 1/RWA < 8%, MtM/T1 > 40%, Texas Ratio > 50%, etc.). Critical-severity thresholds suppress the corresponding warning row for the same metric.
Source
FFIEC Call Report (RC, RC-A, RC-B, RC-C, RC-E, RC-K, RC-M, RC-N, RC-R, RI, RI-B) ingested nightly into CallReport_Financials and CallReport_FdicData. Visbanking's metric coloring and alert thresholds.

Generated: 2026-05-13 16:24:12 UTC