BlastPoint's Banking Scorecard

Chickasaw Community Bank

$100M-$1B Specialty: Commercial OK FDIC cert 11521

Designations: ✓ CDFI-certified ✓ Minority Depository Institution

Oklahoma City, OK

5 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 +26.9% year over year ($490.0M on the books).
Delinquency rate 2.82%.
Return on assets 0.66%.
Efficiency ratio 85.43% vs a 64.48% peer average.
Loan-to-deposit ratio 65.40% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 106 in OK

View $100M-$1B leaderboard (OK) →

Chickasaw Community Bank faces 4 concerns requiring attention

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

- Efficiency Ratio 20.95% above tier average
- Delinquency Rate 1.90% above tier average
- ROA 0.67% below tier average
- Net Interest Margin 0.39% below tier average

Get updates when Chickasaw Community Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
Total Assets ?	$557.1M +23.7% YoY +24.6% QoQ	+$170.5M	$386.6M +1.2% YoY	$1.3B +6.0% YoY	$6.3B +7.7% YoY	77%
Total Loans ?	$320.5M +22.1% YoY +27.4% QoQ	+$62.1M	$258.3M +1.7% YoY	$835.5M +7.1% YoY	$3.2B +9.4% YoY	70%
Total Deposits ?	$490.0M +26.9% YoY +24.7% QoQ	+$163.3M	$326.7M +0.7% YoY	$967.8M +5.8% YoY	$4.9B +7.3% YoY	79%
Return on Assets ?	0.66% +31.4% YoY -26.7% QoQ	-0.67%	1.32% +10.8% YoY	1.35% +7.7% YoY	1.30% +12.1% YoY	17%
Net Interest Margin ?	3.59% -6.8% YoY -7.3% QoQ	-0.39%	3.99% +5.0% YoY	4.27% +1.9% YoY	3.95% +4.9% YoY	32%
Efficiency Ratio ?	85.43% +3.2% YoY -6.6% QoQ	+20.95%	64.48% -3.2% YoY	64.81% -3.0% YoY	70.05% +2.5% YoY	Bottom 8.5% in tier
Delinquency Rate ?	2.82% +21.4% YoY -16.6% QoQ	+1.90%	0.92% +15.7% YoY	1.78% +23.7% YoY	0.98% +16.3% YoY	Bottom 7.0% in tier
Loan-to-Deposit Ratio ?	65.40% -3.8% YoY +2.1% QoQ	-12.55%	77.95% +1.0% YoY	74.14% +1.3% YoY	79.03% +2.3% YoY	76%
Non-Interest-Bearing Deposit Share ?	10.25% +73.8% YoY +76.7% QoQ	-11.78%	22.03% -0.6% YoY	23.91% -1.8% YoY	21.98% -0.6% YoY	Bottom 11.1% in tier
Nonperforming Asset Ratio ?	1.65% +20.5% YoY -14.8% QoQ	+0.98%	0.67% +16.4% YoY	1.24% +23.1% YoY	0.69% +15.8% YoY	Bottom 10.3% in tier
Tier 1 Capital Ratio ?	19.98% -32.3% YoY -13.1% QoQ	+4.08%	15.91% +1.4% YoY	14.18% -3.9% YoY	17.09% +0.8% YoY	Top 13.9% in tier
Non-Interest Income / Assets ?	0.21% +43.5% YoY +100.5% QoQ	-0.36%	0.57% +7.6% YoY	0.31% -11.7% YoY	0.66% +5.2% YoY	53%

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	10.3% +4.4pp YoY +4.5pp QoQ	-11.9pp	22.1%	23.9%	22.2%	11%
Brokered Deposits	19.2% -5.4pp YoY -9.2pp QoQ	+11.4pp	7.9%	9.7%	8.5%	89%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
C&I	6.9% +1.4pp YoY +0.1pp QoQ	-4.7pp	11.6%	15.7%	12.5%	32%
CRE	51.4% +15.8pp YoY +2.6pp QoQ	+11.9pp	39.5%	42.0%	41.4%	72%
1-4 Family	39.2% -18.6pp YoY -4.4pp QoQ	+6.5pp	32.6%	24.0%	31.3%	68%
Consumer	1.7% -0.3pp YoY -0.1pp QoQ	-2.4pp	4.1%	5.6%	5.0%	43%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
CET1 Ratio	20.0% -9.5pp YoY -3.0pp QoQ	+1.2pp	18.8%	17.0%	19.7%	77%
Leverage Ratio	11.0% -2.6pp YoY -0.8pp QoQ	-1.1pp	12.2%	11.7%	12.6%	51%
Total Capital Ratio	21.2% -9.5pp YoY -3.0pp QoQ	+1.3pp	19.9%	18.2%	20.8%	78%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
Full-Time Employees	77 +17 (+28.3%) YoY +14 (+22.2%) QoQ	+18	58	150	482	75%
Assets per Employee ($)	$7.2M -3.6% YoY +1.9% QoQ	-$284K	$7.5M	$6.5M	$8.8M	56%
Branch Count	5 +3 (+150.0%) YoY +4 (+400.0%) QoQ	0	4	8	18	55%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
Past Due 90+ Days	0.3%	0.0pp	0.3%	0.9%	0.4%	72%
Nonaccrual	2.5% +0.2pp YoY -0.8pp QoQ	+1.6pp	0.9%	1.5%	1.0%	92%
Allowance Coverage	0.52x -19.0% YoY +14.7% QoQ	-23.64x	24.15x	61.99x	20.23x	10%
Net Charge-off Rate (YTD)	-0.0% -0.1pp YoY 0.0pp QoQ	-0.2pp	0.1%	0.2%	0.2%	16%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
ROE	5.8% +2.0pp YoY -2.0pp QoQ	-6.3pp	12.2%	11.9%	11.6%	16%
Cost of Funds (YTD)	1.2% 0.0pp YoY -0.1pp QoQ	-0.5pp	1.7%	1.8%	1.7%	20%
Net Income ($, YTD)	$1.8M +56.5% YoY — QoQ	-$762K	$2.6M	$8.7M	$40.4M	48%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (4 metrics)

368

Tier 1 Capital Ratio

capital

Value: 19.98%

Peer Median: 15.91%

#368 of 2643 Top 13.9% in $100M-$1B

563

Total Deposits

size

Value: $489.99M

Peer Median: $326.73M

#563 of 2643 Top 21.3% in $100M-$1B

610

Total Assets

size

Value: $557.06M

Peer Median: $386.57M

#610 of 2643 Top 23.0% in $100M-$1B

632

Loan-to-Deposit Ratio

liquidity

Value: 65.40%

Peer Median: 77.95%

#632 of 2643 Top 23.9% in $100M-$1B

Top Weaknesses (5 metrics)

2449

Delinquency Rate

credit_quality

Value: 2.82%

Peer Median: 0.92%

#2449 of 2633 Bottom 7.0% in $100M-$1B

2419

Efficiency Ratio

profitability

Value: 85.43%

Peer Median: 64.48%

#2419 of 2643 Bottom 8.5% in $100M-$1B

2371

Nonperforming Asset Ratio

credit_quality

Value: 1.65%

Peer Median: 0.67%

#2371 of 2643 Bottom 10.3% in $100M-$1B

2351

Non-Interest-Bearing Deposit Share

funding

Value: 10.25%

Peer Median: 22.03%

#2351 of 2643 Bottom 11.1% in $100M-$1B

2193

Return on Assets

profitability

Value: 0.66%

Peer Median: 1.32%

#2193 of 2643 Bottom 17.1% in $100M-$1B