BlastPoint's Banking Scorecard
The First State Bank of Pond Creek, Oklahoma
Designations: ✓ Community bank
Pond Creek, OK
2 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 536 banks in the under $100M peer group nationwide — 1 of 39 in OK.
- Deposits -3.9% year over year ($47.9M on the books).
- Delinquency rate 0.33%.
- Return on assets 1.96%.
- Efficiency ratio 63.38% vs a 119.40% peer average.
- Loan-to-deposit ratio 96.61% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
The First State Bank of Pond Creek, Oklahoma demonstrates 4 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.26% above tier average
- + ROA 0.96% above tier average
- + Efficiency Ratio 56.02% below tier average
- + Delinquency Rate 1.15% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$55.5M
-4.0% YoY
-9.4% QoQ
|
-$7.0M |
$62.4M
-0.0% YoY
|
$1.3B
+6.0% YoY
|
$6.3B
+7.7% YoY
|
38% |
| Total Loans ? |
$46.2M
+5.0% YoY
-4.8% QoQ
|
+$11.4M |
$34.9M
-0.6% YoY
|
$835.5M
+7.1% YoY
|
$3.2B
+9.4% YoY
|
72% |
| Total Deposits ? |
$47.9M
-3.9% YoY
-9.5% QoQ
|
-$3.8M |
$51.6M
-0.2% YoY
|
$967.8M
+5.8% YoY
|
$4.9B
+7.3% YoY
|
42% |
| Return on Assets ? |
1.96%
-8.7% YoY
-5.5% QoQ
|
+0.96% |
1.00%
+3.5% YoY
|
1.35%
+7.7% YoY
|
1.30%
+12.1% YoY
|
Top 11.8% in tier |
| Net Interest Margin ? |
5.17%
-3.9% YoY
+8.3% QoQ
|
+1.26% |
3.91%
+2.3% YoY
|
4.27%
+1.9% YoY
|
3.95%
+4.9% YoY
|
Top 7.6% in tier |
| Efficiency Ratio ? |
63.38%
+3.5% YoY
+6.3% QoQ
|
-56.02% |
119.40%
+49.6% YoY
|
64.81%
-3.0% YoY
|
70.05%
+2.5% YoY
|
68% |
| Delinquency Rate ? |
0.33%
+457.0% YoY
-71.5% QoQ
|
-1.15% |
1.48%
+31.8% YoY
|
1.78%
+23.7% YoY
|
0.98%
+16.3% YoY
|
55% |
| Loan-to-Deposit Ratio ? |
96.61%
+9.2% YoY
+5.3% QoQ
|
+22.40% |
74.21%
+12.6% YoY
|
74.14%
+1.3% YoY
|
79.03%
+2.3% YoY
|
Bottom 12.1% in tier |
| Non-Interest-Bearing Deposit Share ? |
31.46%
+3.8% YoY
+2.8% QoQ
|
+7.97% |
23.49%
+0.6% YoY
|
23.91%
-1.8% YoY
|
21.98%
-0.6% YoY
|
79% |
| Nonperforming Asset Ratio ? |
1.29%
+509.7% YoY
+40.5% QoQ
|
+0.45% |
0.84%
+23.0% YoY
|
1.24%
+23.1% YoY
|
0.69%
+15.8% YoY
|
20% |
| Tier 1 Capital Ratio ? |
12.78%
-6.9% YoY
-7.8% QoQ
|
-14.35% |
27.13%
+3.0% YoY
|
14.18%
-3.9% YoY
|
17.09%
+0.8% YoY
|
30% |
| Non-Interest Income / Assets ? |
0.22%
+2.5% YoY
+59.7% QoQ
|
-1.16% |
1.38%
+6.3% YoY
|
0.31%
-11.7% YoY
|
0.66%
+5.2% YoY
|
74% |
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 |
31.5%
+1.2pp YoY +0.9pp QoQ |
+6.8pp | 24.6% | 23.9% | 22.2% | 78% |
| Brokered Deposits |
0.5%
-1.5pp YoY -10.4pp QoQ |
-9.3pp | 9.8% | 9.7% | 8.5% | 10% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
18.3%
+0.7pp YoY -0.3pp QoQ |
+4.9pp | 13.4% | 15.7% | 12.5% | 76% |
| CRE | n/a | n/a | 25.2% | 42.0% | 41.4% | n/a |
| 1-4 Family |
41.9%
-0.3pp YoY +1.6pp QoQ |
+6.9pp | 35.0% | 24.0% | 31.3% | 65% |
| Consumer |
6.2%
+0.7pp YoY +0.9pp QoQ |
-1.4pp | 7.7% | 5.6% | 5.0% | 58% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 38.7% | 17.0% | 19.7% | n/a |
| Leverage Ratio |
12.8%
-1.0pp YoY -1.1pp QoQ |
-4.9pp | 17.7% | 11.7% | 12.6% | 50% |
| Total Capital Ratio | n/a | n/a | 39.7% | 18.2% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
14
+1 (+7.7%) YoY 0 QoQ |
+2 | 12 | 150 | 482 | 67% |
| Assets per Employee ($) |
$4.0M
-10.9% YoY -9.4% QoQ |
-$2.2M | $6.2M | $6.5M | $8.8M | 19% |
| Branch Count |
2
0 YoY 0 QoQ |
+0 | 1 | 8 | 18 | 63% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.3%
+0.3pp YoY +0.3pp QoQ |
-0.6pp | 1.0% | 0.9% | 0.4% | 44% |
| Nonaccrual | n/a | n/a | 1.7% | 1.5% | 1.0% | n/a |
| Allowance Coverage |
5.32x
-80.7% YoY +267.7% QoQ |
-1.09x | 6.41x | 61.99x | 20.23x | 81% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY |
-0.1pp | 0.2% | 0.2% | 0.2% | 45% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
14.2%
-1.7pp YoY -0.7pp QoQ |
+7.8pp | 6.4% | 11.9% | 11.6% | 82% |
| Cost of Funds (YTD) |
1.7%
+0.3pp YoY -0.2pp QoQ |
+0.3pp | 1.4% | 1.8% | 1.7% | 70% |
| Net Income ($, YTD) |
$572,000
-6.5% YoY — QoQ |
+$254K | $317,817 | $8.7M | $40.4M | 81% |
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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.