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Bank Of Western Oklahoma

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

Vital Signs Report — 2024-Q2

Per-quarter snapshot for 2024-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
67
/ 100
StableAs of 2024-Q2QoQ -11

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2024-Q2

Bank #175056 2024-Q2 Vital Signs Score: 67/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

Liquidity:Strong
Securities:Strong
Capitalization:Watch
Asset Quality:Stable
Reserves:Risk

Top 3 Watch Items

  1. watch
    ALLL / NPL below 50%
    Reserves — Coverage 33.9% (regulatory soft-warning level 50%).
  2. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 33.9% (Adjusted NPL + Performing Mods denominator).
  3. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.45% (govt-guarantees stripped).

What changed this quarter

Compared to Q1 2024:
↓ -11 ptscomposite
  • Liquidity
    ↑ +5
  • Securities
    — —
  • Capitalization
    ↓ -8
  • Asset Quality
    ↓ -7
  • Reserves
    ↓ -54

The five pillars

Liquidity

StrongQoQ +5
82
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 87.9%, cash 5.8% of assets.

Cash / Assets
5.80%
Loans / Deposits
87.89%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.00%
No watch items at this period.

Capitalization

WatchQoQ -8
59
Sub-score

Capital position is deteriorating: Tier 1 RBC 10.91%, CET1 10.91%, leverage 8.19%.

Tier 1 RBC
10.91%
CET1
10.91%
Leverage
8.19%
No watch items at this period.

Asset Quality

StableQoQ -7
75
Sub-score

Asset quality is stable: Adjusted NPL 2.45%, Texas Ratio 22.0%, NCO YTD 0.11%.

Adjusted NPL
2.45%
Govt-guarantees stripped
Texas Ratio
22.0%
NCO YTD
0.11%
30-89 PD
0.34%
Band 0.3% / 3.0%
90+ PD
0.82%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.45% (govt-guarantees stripped).

Reserves

RiskQoQ -54
13
Sub-score

Reserves are weak: ALLL 0.82% of loans, coverage 33.9%, true coverage 33.9%.

ALLL / Loans
0.82%
Coverage
33.9%
True Loss Coverage
33.9%

Watch Items

  • watchALLL / NPL below 50% — Coverage 33.9% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 33.9% (Adjusted NPL + Performing Mods denominator).

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-13 16:23:51 UTC