BlastPoint's Banking Scorecard
Bank of Western Oklahoma
Micro
Specialty: Agricultural
OK
FDIC cert 4087
Designations: ✓ Community bank
Elk City, OK
2498
banks in Micro tier nationally
121 in OK
View Micro leaderboard (OK) →
Bank of Western Oklahoma shows strong momentum with 3 strengths and 12.5% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 1.16% above tier
- + Net Interest Margin 1.65% above tier
- + Efficiency Ratio 18.93% below tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$463.0M
+12.5% YoY
+4.6% QoQ
|
+$245.5M |
$217.5M
+2.3% YoY
|
$1.2B
+6.0% YoY
|
$5.9B
+6.5% YoY
|
Top 4% in tier |
| Total Loans ? |
$374.2M
+17.5% YoY
-1.4% QoQ
|
+$235.0M |
$139.2M
+2.8% YoY
|
$796.2M
+5.4% YoY
|
$3.1B
+8.5% YoY
|
Top 1% in tier |
| Total Deposits ? |
$419.6M
+12.6% YoY
+4.6% QoQ
|
+$235.9M |
$183.7M
+1.8% YoY
|
$938.6M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
Top 2% in tier |
| Return on Assets ? |
2.24%
-17.0% YoY
-13.7% QoQ
|
+1.16% |
1.08%
+14.7% YoY
|
1.36%
+10.0% YoY
|
1.12%
+15.6% YoY
|
Top 6% in tier |
| Net Interest Margin ? |
5.50%
-6.3% YoY
+0.3% QoQ
|
+1.65% |
3.85%
+6.6% YoY
|
4.26%
+3.2% YoY
|
3.75%
+7.1% YoY
|
Top 4% in tier |
| Efficiency Ratio ? |
48.79%
-4.5% YoY
+1.0% QoQ
|
-18.93% |
67.73%
-4.8% YoY
|
63.62%
-4.9% YoY
|
65.09%
-5.1% YoY
|
Top 9% in tier |
| Delinquency Rate ? |
0.30%
-86.0% YoY
-66.3% QoQ
|
-0.34% |
0.64%
+24.4% YoY
|
0.95%
+12.2% YoY
|
0.66%
+20.3% YoY
|
55% |
| Loan-to-Deposit Ratio ? |
89.17%
+4.4% YoY
-5.7% QoQ
|
+14.65% |
74.53%
+0.5% YoY
|
75.78%
+1.6% YoY
|
78.04%
+0.7% YoY
|
25% |
| Non-Interest-Bearing Deposit Share ? |
25.10%
+12.1% YoY
+2.4% QoQ
|
+2.70% |
22.39%
-1.3% YoY
|
23.21%
-2.4% YoY
|
21.79%
-1.3% YoY
|
63% |
| Nonperforming Asset Ratio ? |
0.32%
-80.9% YoY
-62.2% QoQ
|
-0.13% |
0.45%
+25.1% YoY
|
0.71%
+9.7% YoY
|
0.48%
+20.8% YoY
|
48% |
| Tier 1 Capital Ratio ? |
10.36%
-4.4% YoY
+6.6% QoQ
|
+1.51% |
8.85%
-3.4% YoY
|
7.74%
-5.6% YoY
|
9.75%
-1.9% YoY
|
53% |
| Non-Interest Income / Assets ? |
0.17%
-20.1% YoY
+10.4% QoQ
|
-0.39% |
0.56%
+0.3% YoY
|
0.68%
-3.1% YoY
|
0.65%
+0.6% YoY
|
18% |
Signature Analysis
Strengths (3)
Return on Assets
metric
Top 6%
in Micro
Why this stands out
Current:
2.24%
(Tier avg: 1.08%, National avg: 1.12%)
Net Interest Margin
metric
Top 4%
in Micro
Why this stands out
Current:
5.50%
(Tier avg: 3.85%, National avg: 3.75%)
Efficiency Ratio
metric
Top 9%
in Micro
Why this stands out
Current:
48.79%
(Tier avg: 67.73%, National avg: 65.09%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
99
99th pctile
Total Loans
Current: $374.2M · Tier avg: $139.2M
98
98th pctile
Total Deposits
Current: $419.6M · Tier avg: $183.7M
96
96th pctile
Total Assets
Current: $463.0M · Tier avg: $217.5M
96
96th pctile
Net Interest Margin
Current: 5.50% · Tier avg: 3.85%
94
94th pctile
Return on Assets
Current: 2.24% · Tier avg: 1.08%
91
91th pctile
Efficiency Ratio
Current: 48.79% · Tier avg: 67.73%
63
63th pctile
Non-Interest-Bearing Deposit Share
Current: 25.10% · Tier avg: 22.39%
55
55th pctile
Delinquency Rate
Current: 0.30% · Tier avg: 0.64%
53
53th pctile
Tier 1 Capital Ratio
Current: 10.36% · Tier avg: 8.85%
48
48th pctile
Nonperforming Asset Ratio
Current: 0.32% · Tier avg: 0.45%
25
25th pctile
Loan-to-Deposit Ratio
Current: 89.17% · Tier avg: 74.53%
18
18th pctile
Non-Interest Income / Assets
Current: 0.17% · Tier avg: 0.56%
Top Weaknesses
18
18th pctile
Non-Interest Income / Assets
Current: 0.17% · Tier avg: 0.56%
25
25th pctile
Loan-to-Deposit Ratio
Current: 89.17% · Tier avg: 74.53%
48
48th pctile
Nonperforming Asset Ratio
Current: 0.32% · Tier avg: 0.45%
53
53th pctile
Tier 1 Capital Ratio
Current: 10.36% · Tier avg: 8.85%
55
55th pctile
Delinquency Rate
Current: 0.30% · Tier avg: 0.64%
63
63th pctile
Non-Interest-Bearing Deposit Share
Current: 25.10% · Tier avg: 22.39%
91
91th pctile
Efficiency Ratio
Current: 48.79% · Tier avg: 67.73%
94
94th pctile
Return on Assets
Current: 2.24% · Tier avg: 1.08%
96
96th pctile
Net Interest Margin
Current: 5.50% · Tier avg: 3.85%
96
96th pctile
Total Assets
Current: $463.0M · Tier avg: $217.5M
98
98th pctile
Total Deposits
Current: $419.6M · Tier avg: $183.7M
99
99th pctile
Total Loans
Current: $374.2M · Tier avg: $139.2M