BlastPoint's Banking Scorecard

The Hopeton State Bank

under $100M Specialty: Agricultural OK FDIC cert 12585

Designations: ✓ Community bank ✓ Minority Depository Institution

Hopeton, OK

541 banks in the under $100M peer group nationally 38 in OK

The Hopeton State Bank has 2 strengths but faces 2 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

+ Delinquency Rate 1.37% below tier average
+ Nonperforming Asset Ratio 0.79% below tier average

Key Concerns

Areas that may need attention

- Return on Assets 1.73% below tier average
- Efficiency Ratio 43.20% above tier average

Get updates when The Hopeton State Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
Total Assets ?	$31.2M +17.6% YoY -1.2% QoQ	-$30.9M	$62.2M -0.6% YoY	$1.2B +6.7% YoY	$6.2B +9.1% YoY	Bottom 13.5% in tier
Total Loans ?	$20.7M +49.9% YoY +52.1% QoQ	-$13.5M	$34.2M -1.4% YoY	$822.6M +7.2% YoY	$3.2B +10.8% YoY	29%
Total Deposits ?	$25.2M +3.1% YoY -1.0% QoQ	-$26.5M	$51.7M -0.7% YoY	$956.7M +4.7% YoY	$4.8B +8.2% YoY	16%
Return on Assets ?	-0.89% -110.6% YoY -397.0% QoQ	-1.73%	0.84% -2.3% YoY	1.34% +7.6% YoY	1.23% +13.4% YoY	Bottom 8.3% in tier
Net Interest Margin ?	3.89% +19.5% YoY +76.6% QoQ	+0.03%	3.86% +2.8% YoY	4.25% +2.4% YoY	3.89% +5.7% YoY	54%
Efficiency Ratio ?	131.54% +16.4% YoY +2.0% QoQ	+43.20%	88.34% +0.3% YoY	65.16% -1.8% YoY	66.95% -4.1% YoY	Bottom 5.5% in tier
Delinquency Rate ?	0.00% -100.0% YoY	-1.37%	1.37% +33.8% YoY	1.61% +16.3% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	82.21% +45.4% YoY +53.7% QoQ	+18.00%	64.22% -0.7% YoY	73.83% +1.6% YoY	76.70% +0.9% YoY	24%
Non-Interest-Bearing Deposit Share ?	27.12% +21.9% YoY +11.9% QoQ	+3.41%	23.71% +0.3% YoY	23.68% -1.7% YoY	22.01% -1.2% YoY	64%
Nonperforming Asset Ratio ?	0.00% -100.0% YoY	-0.79%	0.79% +28.2% YoY	1.12% +15.3% YoY	0.67% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	11.41% +6.1% YoY -0.2% QoQ	-15.28%	26.68% +2.0% YoY	14.36% -1.8% YoY	17.06% +0.8% YoY	18%
Non-Interest Income / Assets ?	0.05% +31.4% YoY -18.0% QoQ	-0.61%	0.67% +1.9% YoY	0.15% -5.6% YoY	0.32% +4.1% YoY	46%

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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 541 peers in under $100M

Top Strengths (2 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 1.37%

#1 of 521 Top 0.1% in under $100M

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.79%

#1 of 541 Top 0.1% in under $100M

Top Weaknesses (6 metrics)

512

Efficiency Ratio

profitability

Value: 131.54%

Peer Median: 88.34%

#512 of 541 Bottom 5.5% in under $100M

497

Return on Assets

profitability

Value: -0.89%

Peer Median: 0.84%

#497 of 541 Bottom 8.3% in under $100M

469

Total Assets

size

Value: $31.21M

Peer Median: $62.16M

#469 of 541 Bottom 13.5% in under $100M

454

Total Deposits

size

Value: $25.21M

Peer Median: $51.74M

#454 of 541 Bottom 16.3% in under $100M

443

Tier 1 Capital Ratio

capital

Value: 11.41%

Peer Median: 26.68%

#443 of 541 Bottom 18.3% in under $100M

411

Loan-to-Deposit Ratio

liquidity

Value: 82.21%

Peer Median: 64.22%

#411 of 541 Bottom 24.2% in under $100M