Bank of Western Oklahoma (FDIC certificate #4087) is based in Elk City, Oklahoma. Its Q2 2026 call report shows $469.7M in total assets and $426.3M in deposits and 6 offices.
Bank of Western Oklahoma has a TellerScore of 73 out of 100 (strong) based on Q2 2026 data — higher than 53% of its 2,650 banks with $100 million – $1 billion. Among 170 banks headquartered in Oklahoma, it ranks 68th. Earnings contributes the most (100/100, 2.19%); capital cushion contributes the least (31/100, 8.06%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 19 points (54 → 73), mostly because the loan quality component improved by 59 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 51 |
| Q3 2024 | 55 |
| Q4 2024 | 55 |
| Q1 2025 | 48 |
| Q2 2025 | 54 |
| Q3 2025 | 64 |
| Q4 2025 | 70 |
| Q1 2026 | 71 |
| Q2 2026 | 73 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 8.25% |
| Q3 2024 | 8.56% |
| Q4 2024 | 8.34% |
| Q1 2025 | 8.06% |
| Q2 2025 | 8.07% |
| Q3 2025 | 8.07% |
| Q4 2025 | 7.82% |
| Q1 2026 | 8.16% |
| Q2 2026 | 8.06% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 2.43% |
| Q3 2024 | 2.11% |
| Q4 2024 | 2.13% |
| Q1 2025 | 2.63% |
| Q2 2025 | 1.88% |
| Q3 2025 | 0.88% |
| Q4 2025 | 0.30% |
| Q1 2026 | 0.36% |
| Q2 2026 | 0.11% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 2.95% |
| Q3 2024 | 2.98% |
| Q4 2024 | 2.70% |
| Q1 2025 | 2.26% |
| Q2 2025 | 2.46% |
| Q3 2025 | 2.60% |
| Q4 2025 | 2.24% |
| Q1 2026 | 2.30% |
| Q2 2026 | 2.19% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 73 | $469.7M | 8.06% | 0.11% | 2.19% | 86.8% |
| Q1 2026 | 71 | $466.9M | 8.16% | 0.36% | 2.30% | 87.7% |
| Q4 2025 | 70 | $463.0M | 7.82% | 0.30% | 2.24% | 89.2% |
| Q3 2025 | 64 | $442.7M | 8.07% | 0.88% | 2.60% | 94.5% |
| Q2 2025 | 54 | $432.3M | 8.07% | 1.88% | 2.46% | 92.5% |
| Q1 2025 | 48 | $412.0M | 8.06% | 2.63% | 2.26% | 90.2% |
| Q4 2024 | 55 | $411.5M | 8.34% | 2.13% | 2.70% | 85.4% |
| Q3 2024 | 55 | $382.9M | 8.56% | 2.11% | 2.98% | 91.2% |
| Q2 2024 | 51 | $384.8M | 8.25% | 2.43% | 2.95% | 87.9% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Oklahoma
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Local BankBank Hulbert, OK | 66 out of 100, Moderate | $463.1M | 11.4% | 0.52% | vs |
| Ameristate BankBank Atoka, OK | 57 out of 100, Moderate | $477.7M | 9.5% | 1.67% | vs |
| FSNB, National AssociationBank Lawton, OK | 96 out of 100, Very strong | $478.3M | 17.5% | 0.36% | vs |
| FNB Community BankBank Midwest City, OK | 52 out of 100, Below average | $480.2M | 10.5% | 2.35% | vs |
| The Bank, National AssociationBank Mcalester, OK | 68 out of 100, Moderate | $488.1M | 10.9% | 1.30% | vs |
| Watermark BankBank Oklahoma City, OK | 81 out of 100, Strong | $450.5M | 13.3% | 0.00% | vs |
Deposit insurance
Is my money safe at Bank of Western Oklahoma?
Yes. Bank of Western Oklahoma is an FDIC-insured institution (FDIC certificate #4087). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 20.1% of deposits ($85.6M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 8.06%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 11.20% (benchmark: 10%).
6 locations
Branches
Bank of Western Oklahoma lists 6 offices in 6 cities. Most locations:
- Cordell, OK (1)
- Elk City, OK (1)
- Geary, OK (1)
- Vici, OK (1)
- Weatherford, OK (1)
- Woodward, OK (1)
Identity & history
Profile
- Legal name
- Bank of Western Oklahoma
- Former names
- The Farmers National Bank of Elk City
- Type
- State-chartered bank (Fed member)
- FDIC certificate #
- 4087
- RSSD ID
- 175056
- Primary regulator
- FED
- Holding company
- Western Ok Bancshares Inc
- Established
- April 1, 1908
- Headquarters
- 201 E Broadway Ave, Elk City, OK 73644
- Employees
- 73
Quick answers
Bank of Western Oklahoma: common questions
Is Bank of Western Oklahoma FDIC insured?
Yes. Bank of Western Oklahoma is an FDIC-insured institution (FDIC certificate #4087). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Bank of Western Oklahoma's TellerScore?
73 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Bank of Western Oklahoma ever failed?
There is no failure record for FDIC certificate #4087 in the FDIC failed bank list.
How many branches does Bank of Western Oklahoma have?
6 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Elk City
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The First National Bank & TrustBank Elk City, OK | 88 out of 100, Very strong | $294.0M | 13.1% | 0.56% | vs |
| Security State BankBank Cheyenne, OK | 77 out of 100, Strong | $279.5M | 10.7% | 0.67% | vs |
| Sovereign BankBank Shawnee, OK | 64 out of 100, Moderate | $1.5B | 10.3% | 0.06% | vs |
| Great Plains National BankBank Elk City, OK | 62 out of 100, Moderate | $1.9B | 9.4% | 1.33% | vs |
| InterBankBank Oklahoma City, OK | 62 out of 100, Moderate | $5.3B | 11.1% | 1.56% | vs |
| Washita State BankBank Burns Flat, OK | 53 out of 100, Below average | $44.3M | 14.6% | 3.34% | vs |