BlastPoint's Banking Scorecard

Bank of Western Oklahoma

$100M-$1B Specialty: Agricultural OK FDIC cert 4087

Elk City, OK

6 branches across OK

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 106 in OK.
Deposits +8.6% year over year ($426.3M on the books).
Delinquency rate 0.11%.
Return on assets 2.19%.
Efficiency ratio 49.83% vs a 64.48% peer average.
Loan-to-deposit ratio 86.84% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 106 in OK

View $100M-$1B leaderboard (OK) →

Bank of Western Oklahoma shows strong momentum with 4 strengths and 8.6% YoY asset growth

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Return on Assets 0.87% above tier average
+ Net Interest Margin 0.94% above tier average
+ Efficiency Ratio 14.65% below tier average
+ Delinquency Rate 0.81% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

Get updates when Bank of Western Oklahoma releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
Total Assets ?	$469.7M +8.6% YoY +0.6% QoQ	+$83.1M	$386.6M +1.2% YoY	$1.3B +6.0% YoY	$6.3B +7.7% YoY	69%
Total Loans ?	$370.2M +1.9% YoY -0.3% QoQ	+$111.8M	$258.3M +1.7% YoY	$835.5M +7.1% YoY	$3.2B +9.4% YoY	76%
Total Deposits ?	$426.3M +8.6% YoY +0.7% QoQ	+$99.6M	$326.7M +0.7% YoY	$967.8M +5.8% YoY	$4.9B +7.3% YoY	72%
Return on Assets ?	2.19% -10.8% YoY -4.9% QoQ	+0.87%	1.32% +10.8% YoY	1.35% +7.7% YoY	1.30% +12.1% YoY	Top 9.1% in tier
Net Interest Margin ?	4.93% -8.9% YoY -0.2% QoQ	+0.94%	3.99% +5.0% YoY	4.27% +1.9% YoY	3.95% +4.9% YoY	Top 9.0% in tier
Efficiency Ratio ?	49.83% +1.4% YoY -3.3% QoQ	-14.65%	64.48% -3.2% YoY	64.81% -3.0% YoY	70.05% +2.5% YoY	83%
Delinquency Rate ?	0.11% -94.2% YoY -69.5% QoQ	-0.81%	0.92% +15.7% YoY	1.78% +23.7% YoY	0.98% +16.3% YoY	73%
Loan-to-Deposit Ratio ?	86.84% -6.2% YoY -1.0% QoQ	+8.89%	77.95% +1.0% YoY	74.14% +1.3% YoY	79.03% +2.3% YoY	33%
Non-Interest-Bearing Deposit Share ?	26.01% +11.5% YoY -3.2% QoQ	+3.97%	22.03% -0.6% YoY	23.91% -1.8% YoY	21.98% -0.6% YoY	70%
Nonperforming Asset Ratio ?	0.09% -94.6% YoY -69.7% QoQ	-0.58%	0.67% +16.4% YoY	1.24% +23.1% YoY	0.69% +15.8% YoY	73%
Tier 1 Capital Ratio ?	10.34% +6.8% YoY -1.0% QoQ	-5.56%	15.91% +1.4% YoY	14.18% -3.9% YoY	17.09% +0.8% YoY	Bottom 14.9% in tier
Non-Interest Income / Assets ?	0.08% -33.1% YoY +101.0% QoQ	-0.49%	0.57% +7.6% YoY	0.31% -11.7% YoY	0.66% +5.2% YoY	Bottom 12.0% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
Noninterest-Bearing	26.0% +2.7pp YoY -0.9pp QoQ	+3.9pp	22.1%	23.9%	22.2%	70%
Brokered Deposits	4.7% -2.2pp YoY +0.8pp QoQ	-3.2pp	7.9%	9.7%	8.5%	50%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
C&I	14.1% -5.1pp YoY +2.0pp QoQ	+2.5pp	11.6%	15.7%	12.5%	72%
CRE	23.2% +6.7pp YoY -0.2pp QoQ	-16.3pp	39.5%	42.0%	41.4%	23%
1-4 Family	15.8% +0.3pp YoY +0.9pp QoQ	-16.8pp	32.6%	24.0%	31.3%	21%
Consumer	0.6% +0.1pp YoY 0.0pp QoQ	-3.5pp	4.1%	5.6%	5.0%	19%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
CET1 Ratio	10.3% +0.7pp YoY -0.1pp QoQ	-8.5pp	18.8%	17.0%	19.7%	4%
Leverage Ratio	8.1% 0.0pp YoY -0.1pp QoQ	-4.1pp	12.2%	11.7%	12.6%	2%
Total Capital Ratio	11.2% +0.6pp YoY -0.3pp QoQ	-8.7pp	19.9%	18.2%	20.8%	3%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
Full-Time Employees	73 -3 (-3.9%) YoY -3 (-3.9%) QoQ	+14	58	150	482	73%
Assets per Employee ($)	$6.4M +13.1% YoY +4.7% QoQ	-$1.1M	$7.5M	$6.5M	$8.8M	41%
Branch Count	6 0 YoY 0 QoQ	+1	4	8	18	66%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
Past Due 90+ Days	0.1% +0.1pp YoY 0.0pp QoQ	-0.2pp	0.3%	0.9%	0.4%	50%
Nonaccrual	0.0% -1.9pp YoY -0.3pp QoQ	-0.9pp	0.9%	1.5%	1.0%	3%
Allowance Coverage	7.47x +1503.3% YoY +177.8% QoQ	-16.68x	24.15x	61.99x	20.23x	78%
Net Charge-off Rate (YTD)	0.5% +0.5pp YoY +0.6pp QoQ	+0.4pp	0.1%	0.2%	0.2%	94%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
ROE	25.9% -3.1pp YoY -1.4pp QoQ	+13.7pp	12.2%	11.9%	11.6%	96%
Cost of Funds (YTD)	2.2% -0.3pp YoY 0.0pp QoQ	+0.4pp	1.7%	1.8%	1.7%	79%
Net Income ($, YTD)	$5.1M -0.6% YoY — QoQ	+$2.6M	$2.6M	$8.7M	$40.4M	88%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (4 metrics)

239

Net Interest Margin

profitability

Value: 4.93%

Peer Median: 3.99%

#239 of 2643 Top 9.0% in $100M-$1B

241

Return on Assets

profitability

Value: 2.19%

Peer Median: 1.32%

#241 of 2643 Top 9.1% in $100M-$1B

438

Efficiency Ratio

profitability

Value: 49.83%

Peer Median: 64.48%

#438 of 2643 Top 16.5% in $100M-$1B

634

Total Loans

size

Value: $370.18M

Peer Median: $258.35M

#634 of 2643 Top 24.0% in $100M-$1B

Top Weaknesses (2 metrics)

2328

Non-Interest Income / Assets

revenue_mix

Value: 0.08%

Peer Median: 0.57%

#2328 of 2643 Bottom 12.0% in $100M-$1B

2249

Tier 1 Capital Ratio

capital

Value: 10.34%

Peer Median: 15.91%

#2249 of 2643 Bottom 14.9% in $100M-$1B