BlastPoint's Banking Scorecard
Chickasaw Community Bank
Designations: ✓ CDFI-certified ✓ Minority Depository Institution
Oklahoma City, OK
5 branches across OK
Chickasaw Community Bank faces 7 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 44.6% in tier
- - Efficiency Ratio 26.23% above tier average
- - Delinquency Rate 2.49% above tier average
- - Non-Interest-Bearing Deposit Share 16.22% below tier average
- - Nonperforming Asset Ratio 1.30% above tier average
- - ROA 0.38% below tier average
- - Net Interest Margin 0.05% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$447.2M
-2.6% YoY
+2.6% QoQ
|
+$61.1M |
$386.1M
+0.5% YoY
|
$1.2B
+6.7% YoY
|
$6.2B
+9.1% YoY
|
67% |
| Total Loans ? |
$251.6M
-8.8% YoY
-7.4% QoQ
|
-$4.2M |
$255.7M
+1.1% YoY
|
$822.6M
+7.2% YoY
|
$3.2B
+10.8% YoY
|
60% |
| Total Deposits ? |
$392.8M
-0.8% YoY
+3.2% QoQ
|
+$64.9M |
$328.0M
+0.1% YoY
|
$956.7M
+4.7% YoY
|
$4.8B
+8.2% YoY
|
69% |
| Return on Assets ? |
0.89%
+175.1% YoY
+164.0% QoQ
|
-0.38% |
1.27%
+12.9% YoY
|
1.34%
+7.6% YoY
|
1.23%
+13.4% YoY
|
31% |
| Net Interest Margin ? |
3.88%
+11.9% YoY
-0.5% QoQ
|
-0.05% |
3.93%
+6.0% YoY
|
4.25%
+2.4% YoY
|
3.89%
+5.7% YoY
|
50% |
| Efficiency Ratio ? |
91.52%
+5.5% YoY
+4.4% QoQ
|
+26.23% |
65.29%
-4.5% YoY
|
65.16%
-1.8% YoY
|
66.95%
-4.1% YoY
|
Bottom 5.4% in tier |
| Delinquency Rate ? |
3.38%
+86.6% YoY
-12.9% QoQ
|
+2.49% |
0.89%
+18.8% YoY
|
1.61%
+16.3% YoY
|
0.95%
+18.8% YoY
|
Bottom 4.9% in tier |
| Loan-to-Deposit Ratio ? |
64.04%
-8.0% YoY
-10.2% QoQ
|
-12.60% |
76.64%
+0.8% YoY
|
73.83%
+1.6% YoY
|
76.70%
+0.9% YoY
|
76% |
| Non-Interest-Bearing Deposit Share ? |
5.80%
-2.5% YoY
-17.1% QoQ
|
-16.22% |
22.02%
-1.0% YoY
|
23.68%
-1.7% YoY
|
22.01%
-1.2% YoY
|
Bottom 4.4% in tier |
| Nonperforming Asset Ratio ? |
1.93%
+77.8% YoY
-20.1% QoQ
|
+1.30% |
0.64%
+19.7% YoY
|
1.12%
+15.3% YoY
|
0.67%
+19.3% YoY
|
Bottom 7.4% in tier |
| Tier 1 Capital Ratio ? |
22.98%
-18.2% YoY
+7.0% QoQ
|
+7.15% |
15.83%
+1.5% YoY
|
14.36%
-1.8% YoY
|
17.06%
+0.8% YoY
|
Top 8.4% in tier |
| Non-Interest Income / Assets ? |
0.10%
+102.0% YoY
-19.5% QoQ
|
-0.18% |
0.28%
+9.3% YoY
|
0.15%
-5.6% YoY
|
0.32%
+4.1% YoY
|
55% |
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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 (1)
Liquidity Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.