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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 — 2025-Q1

Per-quarter snapshot for 2025-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
63
/ 100
StableAs of 2025-Q1QoQ -8

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

Quarterly Headline

2025-Q1

Bank #175056 2025-Q1 Vital Signs Score: 63/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. watch
    ALLL / NPL below 50%
    Reserves — Coverage 31.6% (regulatory soft-warning level 50%).
  2. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 31.6% (Adjusted NPL + Performing Mods denominator).
  3. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.66% (govt-guarantees stripped).

What changed this quarter

Compared to Q4 2024:
↓ -8 ptscomposite
  • Liquidity
    ↓ -15
  • Securities
    — —
  • Capitalization
    ↓ -6
  • Asset Quality
    ↓ -11
  • Reserves
    ↓ -5

The five pillars

Liquidity

StableQoQ -15
76
Sub-score

Liquidity is stable: brokered 5.4%, loans/deposits 90.2%, cash 5.6% of assets.

Cash / Assets
5.56%
Loans / Deposits
90.24%
Brokered %
5.36%
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 -6
53
Sub-score

Capital position is deteriorating: Tier 1 RBC 10.40%, CET1 10.40%, leverage 8.02%.

Tier 1 RBC
10.40%
CET1
10.40%
Leverage
8.02%
No watch items at this period.

Asset Quality

StableQoQ -11
72
Sub-score

Asset quality is stable: Adjusted NPL 2.66%, Texas Ratio 25.1%, NCO YTD 0.07%.

Adjusted NPL
2.66%
Govt-guarantees stripped
Texas Ratio
25.1%
NCO YTD
0.07%
30-89 PD
0.60%
Band 0.3% / 3.0%
90+ PD
0.64%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.66% (govt-guarantees stripped).

Reserves

RiskQoQ -5
12
Sub-score

Reserves are weak: ALLL 0.83% of loans, coverage 31.6%, true coverage 31.6%.

ALLL / Loans
0.83%
Coverage
31.6%
True Loss Coverage
31.6%

Watch Items

  • watchALLL / NPL below 50% — Coverage 31.6% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 31.6% (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