🏦Bank Scorer

BANK OF WESTERN OKLAHOMA

ELK CITY, OK · Supervised by FDIC

Est. 1908FDIC #4,087RSSD: FDIC-4087
Part ofWESTERN OK BANCSHARES INC→ View all charters
Outstanding Same

Current rating · Exam: December 1998

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Adequate

ROA 2.30%

Institution Profile

FDIC BankFind

Address

201 E Broadway Ave, ELK CITY, OK

County

Beckham County

Established

April 1, 1908

Total Assets

$467M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

December 1, 1998

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 27 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.
Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$467M

Total Deposits

$423M

Net Loans

$371M

Net Income

$3M

ROA

2.30%

ROE

27.35%

Risk-Based Capital

11.49%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Branch Footprint

FDIC SOD 2025

Total Branches

6

Branch Deposits

$392M

1-Year Change

0

Rating History

CRA / FFIEC

Rating Trend

↑ Improving

Based on last 3 exams

3 previous ratings locked — dating back to 1991

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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