BlastPoint's Banking Scorecard
Bank of Western Oklahoma
Elk City, OK
6 branches across OK
Bank of Western Oklahoma shows strong momentum with 4 strengths and 13.3% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 1.03% above tier average
- + Net Interest Margin 1.01% above tier average
- + Efficiency Ratio 13.74% below tier average
- + Delinquency Rate 0.53% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$466.9M
+13.3% YoY
+0.9% QoQ
|
+$80.8M |
$386.1M
+0.5% YoY
|
$1.2B
+6.7% YoY
|
$6.2B
+9.1% YoY
|
69% |
| Total Loans ? |
$371.3M
+10.3% YoY
-0.8% QoQ
|
+$115.6M |
$255.7M
+1.1% YoY
|
$822.6M
+7.2% YoY
|
$3.2B
+10.8% YoY
|
77% |
| Total Deposits ? |
$423.1M
+13.5% YoY
+0.8% QoQ
|
+$95.2M |
$328.0M
+0.1% YoY
|
$956.7M
+4.7% YoY
|
$4.8B
+8.2% YoY
|
72% |
| Return on Assets ? |
2.30%
+1.7% YoY
+2.6% QoQ
|
+1.03% |
1.27%
+12.9% YoY
|
1.34%
+7.6% YoY
|
1.23%
+13.4% YoY
|
Top 7.1% in tier |
| Net Interest Margin ? |
4.94%
-5.7% YoY
-10.2% QoQ
|
+1.01% |
3.93%
+6.0% YoY
|
4.25%
+2.4% YoY
|
3.89%
+5.7% YoY
|
Top 8.0% in tier |
| Efficiency Ratio ? |
51.55%
-3.4% YoY
+5.6% QoQ
|
-13.74% |
65.29%
-4.5% YoY
|
65.16%
-1.8% YoY
|
66.95%
-4.1% YoY
|
81% |
| Delinquency Rate ? |
0.36%
-86.5% YoY
+19.9% QoQ
|
-0.53% |
0.89%
+18.8% YoY
|
1.61%
+16.3% YoY
|
0.95%
+18.8% YoY
|
53% |
| Loan-to-Deposit Ratio ? |
87.74%
-2.8% YoY
-1.6% QoQ
|
+11.10% |
76.64%
+0.8% YoY
|
73.83%
+1.6% YoY
|
76.70%
+0.9% YoY
|
29% |
| Non-Interest-Bearing Deposit Share ? |
26.87%
+20.3% YoY
+7.1% QoQ
|
+4.85% |
22.02%
-1.0% YoY
|
23.68%
-1.7% YoY
|
22.01%
-1.2% YoY
|
73% |
| Nonperforming Asset Ratio ? |
0.29%
-86.8% YoY
-10.1% QoQ
|
-0.35% |
0.64%
+19.7% YoY
|
1.12%
+15.3% YoY
|
0.67%
+19.3% YoY
|
52% |
| Tier 1 Capital Ratio ? |
10.45%
+0.6% YoY
+0.9% QoQ
|
-5.38% |
15.83%
+1.5% YoY
|
14.36%
-1.8% YoY
|
17.06%
+0.8% YoY
|
16% |
| Non-Interest Income / Assets ? |
0.04%
-14.6% YoY
-77.2% QoQ
|
-0.24% |
0.28%
+9.3% YoY
|
0.15%
-5.6% YoY
|
0.32%
+4.1% YoY
|
Bottom 12.6% in tier |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.