BlastPoint's Banking Scorecard

Cattlemens Bank

$100M-$1B Specialty: Agricultural OK FDIC cert 12285

Altus, OK

7 branches across OK · TX

2664 banks in the $100M-$1B peer group nationally 107 in OK

Cattlemens Bank has 3 strengths but faces 3 concerns

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

+ Net Interest Margin 0.23% above tier average
+ Efficiency Ratio 5.87% below tier average
+ Delinquency Rate 0.40% below tier average

Key Concerns

Areas that may need attention

- Loan-to-Deposit Ratio 34.95% above tier average
- Non-Interest Income / Assets 0.25% below tier average
- ROA 0.09% below tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
Total Assets ?	$588.0M +8.6% YoY +1.5% QoQ	+$201.9M	$386.1M +0.5% YoY	$1.2B +6.7% YoY	$6.2B +9.1% YoY	80%
Total Loans ?	$508.4M +7.2% YoY -0.5% QoQ	+$252.7M	$255.7M +1.1% YoY	$822.6M +7.2% YoY	$3.2B +10.8% YoY	Top 10.2% in tier
Total Deposits ?	$455.6M +7.2% YoY -0.4% QoQ	+$127.6M	$328.0M +0.1% YoY	$956.7M +4.7% YoY	$4.8B +8.2% YoY	76%
Return on Assets ?	1.17% +76.8% YoY +21.2% QoQ	-0.09%	1.27% +12.9% YoY	1.34% +7.6% YoY	1.23% +13.4% YoY	48%
Net Interest Margin ?	4.16% +8.4% YoY +3.4% QoQ	+0.23%	3.93% +6.0% YoY	4.25% +2.4% YoY	3.89% +5.7% YoY	66%
Efficiency Ratio ?	59.42% -10.0% YoY -5.6% QoQ	-5.87%	65.29% -4.5% YoY	65.16% -1.8% YoY	66.95% -4.1% YoY	62%
Delinquency Rate ?	0.49% -51.0% YoY -17.3% QoQ	-0.40%	0.89% +18.8% YoY	1.61% +16.3% YoY	0.95% +18.8% YoY	46%
Loan-to-Deposit Ratio ?	111.59% -0.1% YoY -0.1% QoQ	+34.95%	76.64% +0.8% YoY	73.83% +1.6% YoY	76.70% +0.9% YoY	Bottom 2.4% in tier
Non-Interest-Bearing Deposit Share ?	16.54% +7.8% YoY +6.7% QoQ	-5.48%	22.02% -1.0% YoY	23.68% -1.7% YoY	22.01% -1.2% YoY	30%
Nonperforming Asset Ratio ?	0.44% -49.8% YoY -18.5% QoQ	-0.20%	0.64% +19.7% YoY	1.12% +15.3% YoY	0.67% +19.3% YoY	41%
Tier 1 Capital Ratio ?	10.00% +5.3% YoY +6.0% QoQ	-5.83%	15.83% +1.5% YoY	14.36% -1.8% YoY	17.06% +0.8% YoY	Bottom 9.8% in tier
Non-Interest Income / Assets ?	0.03% -48.2% YoY -83.5% QoQ	-0.25%	0.28% +9.3% YoY	0.15% -5.6% YoY	0.32% +4.1% YoY	Bottom 6.7% in tier

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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 2664 peers in $100M-$1B

Top Strengths (3 metrics)

272

Total Loans

size

Value: $508.42M

Peer Median: $255.72M

#272 of 2664 Top 10.2% in $100M-$1B

546

Total Assets

size

Value: $587.97M

Peer Median: $386.08M

#546 of 2664 Top 20.5% in $100M-$1B

652

Total Deposits

size

Value: $455.62M

Peer Median: $327.97M

#652 of 2664 Top 24.4% in $100M-$1B

Top Weaknesses (3 metrics)

2601

Loan-to-Deposit Ratio

liquidity

Value: 111.59%

Peer Median: 76.64%

#2601 of 2664 Bottom 2.4% in $100M-$1B

2487

Non-Interest Income / Assets

revenue_mix

Value: 0.03%

Peer Median: 0.28%

#2487 of 2664 Bottom 6.7% in $100M-$1B

2405

Tier 1 Capital Ratio

capital

Value: 10.00%

Peer Median: 15.83%

#2405 of 2664 Bottom 9.8% in $100M-$1B