BlastPoint's Banking Scorecard
The Bank of Beaver City
Beaver, OK
2 branches across KS · 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 +5.3% year over year ($170.4M on the books).
- Delinquency rate 1.36%.
- Return on assets 1.23%.
- Efficiency ratio 67.92% vs a 64.48% peer average.
- Loan-to-deposit ratio 60.55% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
The Bank of Beaver City faces 5 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 38.4% in tier
- - ROA 0.09% below tier average
- - Net Interest Margin 0.17% below tier average
- - Efficiency Ratio 3.44% above tier average
- - Delinquency Rate 0.44% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$188.6M
+6.0% YoY
+2.3% QoQ
|
-$198.0M |
$386.6M
+1.2% YoY
|
$1.3B
+6.0% YoY
|
$6.3B
+7.7% YoY
|
24% |
| Total Loans ? |
$103.2M
-1.6% YoY
+2.3% QoQ
|
-$155.1M |
$258.3M
+1.7% YoY
|
$835.5M
+7.1% YoY
|
$3.2B
+9.4% YoY
|
20% |
| Total Deposits ? |
$170.4M
+5.3% YoY
+2.9% QoQ
|
-$156.3M |
$326.7M
+0.7% YoY
|
$967.8M
+5.8% YoY
|
$4.9B
+7.3% YoY
|
27% |
| Return on Assets ? |
1.23%
+0.9% YoY
+6.3% QoQ
|
-0.09% |
1.32%
+10.8% YoY
|
1.35%
+7.7% YoY
|
1.30%
+12.1% YoY
|
49% |
| Net Interest Margin ? |
3.82%
+6.0% YoY
+2.1% QoQ
|
-0.17% |
3.99%
+5.0% YoY
|
4.27%
+1.9% YoY
|
3.95%
+4.9% YoY
|
43% |
| Efficiency Ratio ? |
67.92%
-0.3% YoY
-2.2% QoQ
|
+3.44% |
64.48%
-3.2% YoY
|
64.81%
-3.0% YoY
|
70.05%
+2.5% YoY
|
35% |
| Delinquency Rate ? | 1.36% | +0.44% |
0.92%
+15.7% YoY
|
1.78%
+23.7% YoY
|
0.98%
+16.3% YoY
|
21% |
| Loan-to-Deposit Ratio ? |
60.55%
-6.5% YoY
-0.6% QoQ
|
-17.40% |
77.95%
+1.0% YoY
|
74.14%
+1.3% YoY
|
79.03%
+2.3% YoY
|
82% |
| Non-Interest-Bearing Deposit Share ? |
27.70%
+7.4% YoY
+10.2% QoQ
|
+5.67% |
22.03%
-0.6% YoY
|
23.91%
-1.8% YoY
|
21.98%
-0.6% YoY
|
75% |
| Nonperforming Asset Ratio ? | 0.74% | +0.07% |
0.67%
+16.4% YoY
|
1.24%
+23.1% YoY
|
0.69%
+15.8% YoY
|
29% |
| Tier 1 Capital Ratio ? |
8.67%
-38.6% YoY
-6.6% QoQ
|
-7.24% |
15.91%
+1.4% YoY
|
14.18%
-3.9% YoY
|
17.09%
+0.8% YoY
|
Bottom 0.5% in tier |
| Non-Interest Income / Assets ? |
0.23%
-9.1% YoY
+100.7% QoQ
|
-0.34% |
0.57%
+7.6% YoY
|
0.31%
-11.7% YoY
|
0.66%
+5.2% YoY
|
58% |
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 |
27.7%
+1.9pp YoY +2.6pp QoQ |
+5.5pp | 22.1% | 23.9% | 22.2% | 75% |
| Brokered Deposits | n/a | n/a | 7.9% | 9.7% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
12.7%
-2.3pp YoY -0.3pp QoQ |
+1.1pp | 11.6% | 15.7% | 12.5% | 67% |
| CRE |
15.1%
-0.6pp YoY -0.6pp QoQ |
-24.5pp | 39.5% | 42.0% | 41.4% | 11% |
| 1-4 Family |
32.6%
+1.7pp YoY -1.7pp QoQ |
-0.1pp | 32.6% | 24.0% | 31.3% | 57% |
| Consumer |
4.5%
-0.4pp YoY -0.2pp QoQ |
+0.4pp | 4.1% | 5.6% | 5.0% | 74% |
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 |
8.7%
-0.1pp YoY -0.6pp QoQ |
-3.5pp | 12.2% | 11.7% | 12.6% | 8% |
| 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 |
32
+9 (+39.1%) YoY +8 (+33.3%) QoQ |
-27 | 58 | 150 | 482 | 30% |
| Assets per Employee ($) |
$5.9M
-23.8% YoY -23.3% QoQ |
-$1.6M | $7.5M | $6.5M | $8.8M | 31% |
| Branch Count |
2
0 YoY 0 QoQ |
-3 | 4 | 8 | 18 | 11% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
1.4%
+1.4pp YoY |
+1.0pp | 0.3% | 0.9% | 0.4% | 94% |
| Nonaccrual | n/a | n/a | 0.9% | 1.5% | 1.0% | n/a |
| Allowance Coverage |
1.07x
-96.0% YoY |
-23.09x | 24.15x | 61.99x | 20.23x | 29% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.2% | 0.2% | 36% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
18.3%
-5.1pp YoY +1.3pp QoQ |
+6.1pp | 12.2% | 11.9% | 11.6% | 83% |
| Cost of Funds (YTD) |
1.8%
-0.3pp YoY 0.0pp QoQ |
0.0pp | 1.7% | 1.8% | 1.7% | 55% |
| Net Income ($, YTD) |
$1.1M
+4.8% YoY — QoQ |
-$1.4M | $2.6M | $8.7M | $40.4M | 31% |
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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.