Bank Of Western Oklahoma (FDIC #4087): Bank Stress & Real-Estate Credit Exposure

Bank Of Western Oklahoma (FDIC Cert #4087): bank stress 52/100, moderate, STABLE over 7 days; parent WESTERN OK BANCSHARES INC.

Bank Of Western Oklahoma (#4087) lends in 6 counties across 1 state; Bank Of Western Oklahoma (#4087) reaches 55 ZIP codes: Oklahoma 6 counties, 55 ZIPs.

Bank Of Western Oklahoma (#4087) largest markets: Washita County, OK (18 branches, 18 ZIPs) (#4087), Blaine County, OK (14 branches, 14 ZIPs) (#4087), Custer County, OK (13 branches, 13 ZIPs) (#4087), Dewey County, OK (12 branches, 12 ZIPs) (#4087), Woodward County, OK (11 branches, 11 ZIPs) (#4087), Beckham County, OK (7 branches, 7 ZIPs) (#4087).

Bank Of Western Oklahoma (#4087) reports $469.7 million in total assets; Bank Of Western Oklahoma (#4087) equity $39.9 million (8.5% of Bank Of Western Oklahoma (#4087) assets); Bank Of Western Oklahoma (#4087) domestic deposits $426.3 million; Bank Of Western Oklahoma (#4087) net income $5.1 million; Bank Of Western Oklahoma (#4087) return on assets 2.19%; Bank Of Western Oklahoma (#4087) return on equity 25.93%; Bank Of Western Oklahoma (#4087) net interest income $10.7 million; Bank Of Western Oklahoma (#4087) call report June 30, 2026.

Bank Of Western Oklahoma (#4087) noncurrent real-estate loans 0.67% of its book; Bank Of Western Oklahoma (#4087) residential 1.86%; Bank Of Western Oklahoma (#4087) net charge-offs on real estate 0.04%.

Bank Of Western Oklahoma (#4087) net interest margin 4.93% against an eight-quarter Bank Of Western Oklahoma (#4087) average of 5.43% (Bank Of Western Oklahoma (#4087) compression 0.50 points); Bank Of Western Oklahoma (#4087) real-estate loans 67.3% of equity; Bank Of Western Oklahoma (#4087) rate-exposure score 40/100, Bank Of Western Oklahoma (#4087) fixed-rate trap 40/100; Bank Of Western Oklahoma (#4087) risk type credit driven; Bank Of Western Oklahoma (#4087) rate regime rates elevated, Bank Of Western Oklahoma (#4087) snapshot October 19, 2026.

Bank Of Western Oklahoma (#4087) stress score moved from 48.9 on June 22, 2026 to 52.1 on October 19, 2026; Bank Of Western Oklahoma (#4087) ranged 48.9 to 52.1 over 116 snapshots.

Bank Of Western Oklahoma (#4087) alerts: 6 counties; top Bank Of Western Oklahoma (#4087) alert scores: Woodward County, OK 28 (low); Cordell County, OK 20 (low); Elk City County, OK 20 (low); Geary County, OK 20 (low); Vici County, OK 20 (low).