BlastPoint's Banking Scorecard
The Bank of Beaver City
Beaver, OK
2 branches across KS · OK
The Bank of Beaver City has 2 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.89% below tier average
- + Nonperforming Asset Ratio 0.64% below tier average
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 18.5% in tier
- - ROA 0.11% below tier average
- - Net Interest Margin 0.19% below tier average
- - Efficiency Ratio 4.13% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$184.4M
+3.1% YoY
+2.3% QoQ
|
-$201.7M |
$386.1M
+0.5% YoY
|
$1.2B
+6.7% YoY
|
$6.2B
+9.1% YoY
|
23% |
| Total Loans ? |
$100.9M
-1.6% YoY
-5.4% QoQ
|
-$154.8M |
$255.7M
+1.1% YoY
|
$822.6M
+7.2% YoY
|
$3.2B
+10.8% YoY
|
20% |
| Total Deposits ? |
$165.6M
+1.5% YoY
+2.0% QoQ
|
-$162.4M |
$328.0M
+0.1% YoY
|
$956.7M
+4.7% YoY
|
$4.8B
+8.2% YoY
|
25% |
| Return on Assets ? |
1.16%
+3.6% YoY
-5.6% QoQ
|
-0.11% |
1.27%
+12.9% YoY
|
1.34%
+7.6% YoY
|
1.23%
+13.4% YoY
|
47% |
| Net Interest Margin ? |
3.74%
+8.5% YoY
+0.6% QoQ
|
-0.19% |
3.93%
+6.0% YoY
|
4.25%
+2.4% YoY
|
3.89%
+5.7% YoY
|
43% |
| Efficiency Ratio ? |
69.42%
-0.3% YoY
+2.7% QoQ
|
+4.13% |
65.29%
-4.5% YoY
|
65.16%
-1.8% YoY
|
66.95%
-4.1% YoY
|
34% |
| Delinquency Rate ? |
0.00%
-100.0% YoY
|
-0.89% |
0.89%
+18.8% YoY
|
1.61%
+16.3% YoY
|
0.95%
+18.8% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
60.92%
-3.1% YoY
-7.3% QoQ
|
-15.72% |
76.64%
+0.8% YoY
|
73.83%
+1.6% YoY
|
76.70%
+0.9% YoY
|
80% |
| Non-Interest-Bearing Deposit Share ? |
25.13%
-0.2% YoY
-9.1% QoQ
|
+3.11% |
22.02%
-1.0% YoY
|
23.68%
-1.7% YoY
|
22.01%
-1.2% YoY
|
67% |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% YoY
-100.0% QoQ
|
-0.64% |
0.64%
+19.7% YoY
|
1.12%
+15.3% YoY
|
0.67%
+19.3% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
9.28%
-33.9% YoY
-0.2% QoQ
|
-6.55% |
15.83%
+1.5% YoY
|
14.36%
-1.8% YoY
|
17.06%
+0.8% YoY
|
Bottom 2.2% in tier |
| Non-Interest Income / Assets ? |
0.11%
-5.3% YoY
-76.0% QoQ
|
-0.17% |
0.28%
+9.3% YoY
|
0.15%
-5.6% YoY
|
0.32%
+4.1% YoY
|
60% |
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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)
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.