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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Thomas, OK · FDIC certificate #25703
BANK OF WEST is an FDIC-insured institution based in Thomas, OK (FDIC certificate #25703). In its Q3 2026 Call Report it reported total assets of $191M, total deposits of $170M and net loans of $139M. Its primary federal regulator is FDIC.
Plain-language readout
BANK OF WEST has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $192M in Q2 2026 and were lowest at $185M in Q1 2026.
Total deposits were highest at $171M in Q2 2026 and lowest at $164M in Q1 2026.
Over the whole period total assets rose 3.6%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $191M | $170M | $139M | 1.97% | 18.03% | 4.64% |
| Q2 2026 | $192M | $171M | $133M | 2.05% | 18.42% | 4.69% |
| Q1 2026 | $185M | $164M | $144M | 2.18% | 18.85% | 4.84% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $32.3M | $23.1M | +$9.2M | +39.6% |
| Federal funds sold | $20.5M | $10.9M | +$9.6M | +88.8% |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $0K | $0K | $0K | n/a |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $132.6M | $143.6M | -$10.9M | -7.6% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $918K | $937K | -$19K | -2.0% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $172K | $153K | +$19K | +12.4% |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $0K | $0K | $0K | n/a |
| All other assets | $5.9M | $5.9M | +$12K | +0.2% |
| Total assets | $192.4M | $184.5M | +$7.9M | +4.3% |
| Liabilities | ||||
| Total deposits | $171.2M | $163.5M | +$7.7M | +4.7% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $0K | $0K | $0K | n/a |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $1.4M | $1.3M | +$70K | +5.5% |
| Total liabilities | $172.6M | $164.8M | +$7.8M | +4.7% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $650K | $650K | $0K | 0.0% |
| Surplus | $5.5M | $5.5M | $0K | 0.0% |
| Retained earnings | $13.6M | $13.5M | +$90K | +0.7% |
| Accumulated other comprehensive income | $0K | $0K | $0K | n/a |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $19.8M | $19.7M | +$90K | +0.5% |
| Credit and capital | ||||
| Gross nonperforming assets | $3.0M | $3.0M | +$1K | +0.0% |
| Adjusted nonperforming assets | $3.0M | $3.0M | +$1K | +0.0% |
| Tangible equity plus allowance | $22.2M | $22.1M | +$90K | +0.4% |
| Texas ratio (gross) | 13.54% | 13.59% | -0.05 pts | See points |
| Texas ratio (adjusted) | 13.54% | 13.59% | -0.05 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 18.46% | 13.59% | +4.86 pts | See points |
| Tier 1 capital to risk-weighted assets | 12.72% | 11.97% | +0.75 pts | See points |
| Common equity Tier 1 to risk-weighted assets | 12.72% | 11.97% | +0.75 pts | See points |
| Tier 2 capital to risk-weighted assets | 1.26% | 1.25% | +0.00 pts | See points |
| Total risk-based capital to risk-weighted assets | 13.97% | 13.22% | +0.75 pts | See points |
| Tier 1 leverage (approximate) | 10.49% | 10.97% | -0.47 pts | See points |
| Construction and land loans to total capital | 217.72% | 221.05% | -3.33 pts | See points |
| Commercial real estate to total capital | 297.20% | 302.39% | -5.20 pts | See points |
| Dividend payout, year to date | 212.09% | 324.67% | -112.58 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | 0.00% | 0.00% | 0.00 pts | See points |
| Liquidity | ||||
| Core deposits | $154.1M | $147.7M | +$6.4M | +4.4% |
| Non-core funding | $17.1M | $15.9M | +$1.3M | +8.1% |
| Loans to core deposits | 87.60% | 98.82% | -11.22 pts | See points |
| Loans to deposits | 78.83% | 89.24% | -10.40 pts | See points |
| Brokered deposits share of deposits | 0.29% | 0.30% | -0.01 pts | See points |
| Pledged securities share of securities | Not reported | Not reported | Not reported | See points |
| Loans pledged, share of loans | 21.88% | 29.04% | -7.16 pts | See points |
| Volatile liabilities | $17.1M | $15.9M | +$1.3M | +8.1% |
| Earnings | ||||
| Earnings before provision, year to date | $1.9M | $981K | +$905K | +92.3% |
| Earnings before provision, single quarter | $905K | $981K | -$76K | -7.7% |
| Provision for credit losses, year to date | $0K | $0K | $0K | n/a |
| Yield and cost | ||||
| Yield on loans and leases | 7.19% | 7.19% | +0.00 pts | See points |
| Yield on interest-bearing balances due from banks | 3.65% | 3.51% | +0.14 pts | See points |
| Total interest income to average assets | 6.22% | 6.57% | -0.35 pts | See points |
| Cost of interest-bearing transaction accounts | 1.01% | 0.98% | +0.03 pts | See points |
| Cost of savings and money market deposits | 2.29% | 2.38% | -0.08 pts | See points |
| Cost of time deposits | 3.71% | 3.76% | -0.05 pts | See points |
| Total interest expense to average assets | 1.94% | 1.99% | -0.05 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $191M | $170M | $139M | 1.97% | 18.03% | 4.64% |
| 2026-06-30 | $192M | $171M | $133M | 2.05% | 18.42% | 4.69% |
| 2026-03-31 | $185M | $164M | $144M | 2.18% | 18.85% | 4.84% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| OK | $154.6M | 0.11% | 119 | Continuing · +0.00 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.