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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-Q2

Per-quarter snapshot for 2025-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
62
/ 100
StableAs of 2025-Q2QoQ -1

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

Quarterly Headline

2025-Q2

Bank #175056 2025-Q2 Vital Signs Score: 62/100 — 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. info
    ALLL / NPL below 50%
    Reserves — Coverage 46.6% (regulatory soft-warning level 50%).
  2. info
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 46.6% (Adjusted NPL + Performing Mods denominator).

What changed this quarter

Compared to Q1 2025:
↓ -1 ptscomposite
  • Liquidity
    ↓ 0
  • Securities
    — —
  • Capitalization
    ↓ -8
  • Asset Quality
    ↓ -3
  • Reserves
    ↑ +9

The five pillars

Liquidity

StableQoQ 0
76
Sub-score

Liquidity is stable: brokered 6.9%, loans/deposits 92.5%, cash 6.5% of assets.

Cash / Assets
6.48%
Loans / Deposits
92.54%
Brokered %
6.94%
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
45
Sub-score

Capital position is deteriorating: Tier 1 RBC 9.68%, CET1 9.68%, leverage 8.02%.

Tier 1 RBC
9.68%
CET1
9.68%
Leverage
8.02%
No watch items at this period.

Asset Quality

StableQoQ -3
70
Sub-score

Asset quality is stable: Adjusted NPL 1.89%, Texas Ratio 18.6%, NCO YTD -0.02%.

Adjusted NPL
1.89%
Govt-guarantees stripped
Texas Ratio
18.6%
NCO YTD
-0.02%
30-89 PD
3.46%
Band 0.3% / 3.0%
90+ PD
0.02%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

RiskQoQ +9
20
Sub-score

Reserves are weak: ALLL 0.87% of loans, coverage 46.6%, true coverage 46.6%.

ALLL / Loans
0.87%
Coverage
46.6%
True Loss Coverage
46.6%

Watch Items

  • infoALLL / NPL below 50% — Coverage 46.6% (regulatory soft-warning level 50%).
  • infoTrue Loss Coverage Ratio below 50% — True coverage 46.6% (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