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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-Q4

Per-quarter snapshot for 2025-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
80
/ 100
StableAs of 2025-Q4QoQ +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-Q4

Bank #175056 2025-Q4 Vital Signs Score: 80/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (watch).

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

Top 3 Watch Items

  1. info
    Net charge-offs elevated
    Asset Quality — NCO YTD 1.24% of loans.

What changed this quarter

Compared to Q3 2025:
↑ +8 ptscomposite
  • Liquidity
    ↑ +14
  • Securities
    — —
  • Capitalization
    ↑ +6
  • Asset Quality
    ↓ -6
  • Reserves
    ↑ +31

The five pillars

Liquidity

StrongQoQ +14
86
Sub-score

Liquidity is strong: brokered 6.5%, loans/deposits 89.2%, cash 10.3% of assets.

Cash / Assets
10.32%
Loans / Deposits
89.17%
Brokered %
6.49%
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
52
Sub-score

Capital position is deteriorating: Tier 1 RBC 10.36%, CET1 10.36%, leverage 7.78%.

Tier 1 RBC
10.36%
CET1
10.36%
Leverage
7.78%
No watch items at this period.

Asset Quality

StrongQoQ -6
89
Sub-score

Asset quality is strong: Adjusted NPL 0.30%, Texas Ratio 2.8%, NCO YTD 1.24%.

Adjusted NPL
0.30%
Govt-guarantees stripped
Texas Ratio
2.8%
NCO YTD
1.24%
30-89 PD
0.52%
Band 0.3% / 3.0%
90+ PD
0.01%
Band 0.1% / 2.0%

Watch Items

  • infoNet charge-offs elevated — NCO YTD 1.24% of loans.

Reserves

StrongQoQ +31
81
Sub-score

Reserves are strong: ALLL 0.94% of loans, coverage 315.4%, true coverage 315.4%.

ALLL / Loans
0.94%
Coverage
315.4%
True Loss Coverage
315.4%
No watch items at this period.

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