BlastPoint's Banking Scorecard
The Exchange Bank
Skiatook, OK
3 branches across OK
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 106 in OK.
- Deposits +1.6% year over year ($142.3M on the books).
- Delinquency rate 0.00%.
- Return on assets 1.13%.
- Efficiency ratio 69.78% vs a 64.48% peer average.
- Loan-to-deposit ratio 36.49% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
The Exchange Bank has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.92% below tier average
- + Nonperforming Asset Ratio 0.67% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.19% below tier average
- - Net Interest Margin 0.14% below tier average
- - Efficiency Ratio 5.30% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$158.4M
+3.0% YoY
+1.9% QoQ
|
-$228.2M |
$386.6M
+1.2% YoY
|
$1.3B
+6.0% YoY
|
$6.3B
+7.7% YoY
|
16% |
| Total Loans ? |
$51.9M
-1.3% YoY
-5.4% QoQ
|
-$206.4M |
$258.3M
+1.7% YoY
|
$835.5M
+7.1% YoY
|
$3.2B
+9.4% YoY
|
Bottom 3.1% in tier |
| Total Deposits ? |
$142.3M
+1.6% YoY
+1.7% QoQ
|
-$184.4M |
$326.7M
+0.7% YoY
|
$967.8M
+5.8% YoY
|
$4.9B
+7.3% YoY
|
19% |
| Return on Assets ? |
1.13%
+24.8% YoY
+1.4% QoQ
|
-0.19% |
1.32%
+10.8% YoY
|
1.35%
+7.7% YoY
|
1.30%
+12.1% YoY
|
43% |
| Net Interest Margin ? |
3.84%
-5.0% YoY
-1.2% QoQ
|
-0.14% |
3.99%
+5.0% YoY
|
4.27%
+1.9% YoY
|
3.95%
+4.9% YoY
|
45% |
| Efficiency Ratio ? |
69.78%
+3.1% YoY
+0.5% QoQ
|
+5.30% |
64.48%
-3.2% YoY
|
64.81%
-3.0% YoY
|
70.05%
+2.5% YoY
|
31% |
| Delinquency Rate ? |
0.00%
-100.0% YoY
|
-0.92% |
0.92%
+15.7% YoY
|
1.78%
+23.7% YoY
|
0.98%
+16.3% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
36.49%
-2.8% YoY
-7.0% QoQ
|
-41.47% |
77.95%
+1.0% YoY
|
74.14%
+1.3% YoY
|
79.03%
+2.3% YoY
|
Top 3.0% in tier |
| Non-Interest-Bearing Deposit Share ? |
19.90%
+2.0% YoY
-1.2% QoQ
|
-2.13% |
22.03%
-0.6% YoY
|
23.91%
-1.8% YoY
|
21.98%
-0.6% YoY
|
45% |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% YoY
|
-0.67% |
0.67%
+16.4% YoY
|
1.24%
+23.1% YoY
|
0.69%
+15.8% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
12.10%
+4.5% YoY
+3.8% QoQ
|
-3.80% |
15.91%
+1.4% YoY
|
14.18%
-3.9% YoY
|
17.09%
+0.8% YoY
|
37% |
| Non-Interest Income / Assets ? |
0.32%
-14.3% YoY
+100.7% QoQ
|
-0.25% |
0.57%
+7.6% YoY
|
0.31%
-11.7% YoY
|
0.66%
+5.2% YoY
|
75% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
19.9%
+0.4pp YoY -0.2pp QoQ |
-2.2pp | 22.1% | 23.9% | 22.2% | 45% |
| Brokered Deposits |
0.0%
-1.4pp YoY 0.0pp QoQ |
-7.9pp | 7.9% | 9.7% | 8.5% | 3% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
24.6%
-3.3pp YoY +0.5pp QoQ |
+13.0pp | 11.6% | 15.7% | 12.5% | 93% |
| CRE |
45.0%
+6.4pp YoY +0.1pp QoQ |
+5.4pp | 39.5% | 42.0% | 41.4% | 62% |
| 1-4 Family |
18.9%
-0.7pp YoY -1.0pp QoQ |
-13.7pp | 32.6% | 24.0% | 31.3% | 28% |
| Consumer |
3.5%
+0.2pp YoY +0.3pp QoQ |
-0.6pp | 4.1% | 5.6% | 5.0% | 65% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 17.0% | 19.7% | n/a |
| Leverage Ratio |
12.1%
+0.5pp YoY +0.4pp QoQ |
-0.1pp | 12.2% | 11.7% | 12.6% | 66% |
| Total Capital Ratio | n/a | n/a | 19.9% | 18.2% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
33
+2 (+6.5%) YoY +2 (+6.5%) QoQ |
-26 | 58 | 150 | 482 | 31% |
| Assets per Employee ($) |
$4.8M
-3.3% YoY -4.3% QoQ |
-$2.7M | $7.5M | $6.5M | $8.8M | 12% |
| Branch Count |
3
0 YoY 0 QoQ |
-2 | 4 | 8 | 18 | 26% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.9% | 0.4% | n/a |
| Nonaccrual | n/a | n/a | 0.9% | 1.5% | 1.0% | n/a |
| Allowance Coverage | n/a | n/a | 24.15x | 61.99x | 20.23x | n/a |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.1% | 0.2% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
11.4%
+1.0pp YoY +0.2pp QoQ |
-0.8pp | 12.2% | 11.9% | 11.6% | 46% |
| Cost of Funds (YTD) |
1.2%
0.0pp YoY 0.0pp QoQ |
-0.5pp | 1.7% | 1.8% | 1.7% | 19% |
| Net Income ($, YTD) |
$882,000
+29.3% YoY — QoQ |
-$1.7M | $2.6M | $8.7M | $40.4M | 23% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.