The Bank of the West (FDIC certificate #25703) is based in Thomas, Oklahoma. Its Q2 2026 call report shows $192.4M in total assets and $171.2M in deposits and 4 offices.
The Bank of the West has a TellerScore of 62 out of 100 (moderate) based on Q2 2026 data — higher than only 22% of its 2,650 banks with $100 million – $1 billion. Among 170 banks headquartered in Oklahoma, it ranks 123rd. Earnings contributes the most (100/100, 2.05%); loan quality contributes the least (26/100, 2.22%).
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 fell 21 points (83 → 62), mostly because the loan quality component weakened by 56 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 82 |
| Q3 2024 | 82 |
| Q4 2024 | 80 |
| Q1 2025 | 83 |
| Q2 2025 | 83 |
| Q3 2025 | 63 |
| Q4 2025 | 67 |
| Q1 2026 | 64 |
| Q2 2026 | 62 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 12.52% |
| Q3 2024 | 12.63% |
| Q4 2024 | 12.71% |
| Q1 2025 | 12.65% |
| Q2 2025 | 12.40% |
| Q3 2025 | 12.29% |
| Q4 2025 | 12.20% |
| Q1 2026 | 10.97% |
| Q2 2026 | 10.49% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.57% |
| Q3 2024 | 0.52% |
| Q4 2024 | 0.76% |
| Q1 2025 | 0.51% |
| Q2 2025 | 0.53% |
| Q3 2025 | 2.52% |
| Q4 2025 | 1.93% |
| Q1 2026 | 2.06% |
| Q2 2026 | 2.22% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 2.77% |
| Q3 2024 | 2.77% |
| Q4 2024 | 2.42% |
| Q1 2025 | 2.48% |
| Q2 2025 | 2.40% |
| Q3 2025 | 2.42% |
| Q4 2025 | 2.39% |
| Q1 2026 | 2.18% |
| Q2 2026 | 2.05% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 62 | $192.4M | 10.49% | 2.22% | 2.05% | 77.5% |
| Q1 2026 | 64 | $184.5M | 10.97% | 2.06% | 2.18% | 87.8% |
| Q4 2025 | 67 | $174.8M | 12.20% | 1.93% | 2.39% | 101.1% |
| Q3 2025 | 63 | $179.8M | 12.29% | 2.52% | 2.42% | 92.3% |
| Q2 2025 | 83 | $177.7M | 12.40% | 0.53% | 2.40% | 84.8% |
| Q1 2025 | 83 | $174.1M | 12.65% | 0.51% | 2.48% | 91.6% |
| Q4 2024 | 80 | $171.4M | 12.71% | 0.76% | 2.42% | 99.8% |
| Q3 2024 | 82 | $169.3M | 12.63% | 0.52% | 2.77% | 99.2% |
| Q2 2024 | 82 | $171.8M | 12.52% | 0.57% | 2.77% | 92.4% |
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 |
|---|---|---|---|---|---|
| The First National Bank and Trust Company of MiamiBank Miami, OK | 82 out of 100, Strong | $191.4M | 13.4% | 0.60% | vs |
| The Farmers State BankBank Quinton, OK | 70 out of 100, Strong | $193.9M | 9.3% | 0.79% | vs |
| First Enterprise BankBank Oklahoma City, OK | 28 out of 100, Low | $189.7M | 10.8% | 6.33% | vs |
| The Seiling State BankBank Seiling, OK | 79 out of 100, Strong | $195.0M | 10.5% | 0.00% | vs |
| The Bank of Beaver CityBank Beaver, OK | 60 out of 100, Moderate | $188.6M | 8.7% | 1.34% | vs |
| Oklahoma Capital BankBank Tulsa, OK | 69 out of 100, Moderate | $196.3M | 10.4% | 0.30% | vs |
Deposit insurance
Is my money safe at The Bank of the West?
Yes. The Bank of the West is an FDIC-insured institution (FDIC certificate #25703). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 16.7% of deposits ($28.5M) 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 10.49%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 13.97% (benchmark: 10%).
4 locations
Branches
The Bank of the West lists 4 offices in 4 cities. Most locations:
- Clinton, OK (1)
- Leedey, OK (1)
- Oklahoma City, OK (1)
- Thomas, OK (1)
Identity & history
Profile
- Legal name
- The Bank of the West
- Former names
- The Bank of Thomas
- Type
- State-chartered bank
- FDIC certificate #
- 25703
- RSSD ID
- 401755
- Primary regulator
- FDIC
- Holding company
- Bancwest Inc
- Established
- October 19, 1984
- Headquarters
- 101 S Main St, Thomas, OK 73669
- Website
- www.botw.bank
- Employees
- 29
Quick answers
The Bank of the West: common questions
Is The Bank of the West FDIC insured?
Yes. The Bank of the West is an FDIC-insured institution (FDIC certificate #25703). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is The Bank of the West's TellerScore?
62 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has The Bank of the West ever failed?
There is no failure record for FDIC certificate #25703 in the FDIC failed bank list.
How many branches does The Bank of the West have?
4 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Thomas
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First Bank and Trust CompanyBank Clinton, OK | 96 out of 100, Very strong | $58.2M | 16.7% | 0.02% | vs |
| Bank 7Bank Oklahoma City, OK | 86 out of 100, Very strong | $1.9B | 13.9% | 0.39% | vs |
| Oklahoma Bank and Trust CompanyBank Clinton, OK | 82 out of 100, Strong | $202.3M | 14.1% | 0.61% | vs |
| First State BankBank Watonga, OK | 82 out of 100, Strong | $89.8M | 13.2% | 1.28% | vs |
| Bank of HydroBank Hydro, OK | 76 out of 100, Strong | $180.8M | 11.6% | 0.64% | vs |
| Bank of Western OklahomaBank Elk City, OK | 73 out of 100, Strong | $469.7M | 8.1% | 0.11% | vs |