BlastPoint's Banking Scorecard
Bank of Commerce
Chelsea, OK
6 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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 106 in OK.
- Deposits +10.6% year over year ($174.5M on the books).
- Delinquency rate 0.79%.
- Return on assets 1.83%.
- Efficiency ratio 64.77% vs a 64.48% peer average.
- Loan-to-deposit ratio 76.50% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Bank of Commerce has 4 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Deposit Franchise: Top 10.8% in tier
- + Revenue Diversifier: Top 46.3% in tier
- + ROA 0.51% above tier average
- + Delinquency Rate 0.13% below tier average
Key Concerns
Areas that may need attention
- - Cost Spiral: Bottom 29.0% in tier
- - Credit Quality Pressure: Bottom 41.9% in tier
- - Credit Risk Growth: Bottom 45.5% in tier
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$203.2M
+10.2% YoY
-1.1% QoQ
|
-$183.4M |
$386.6M
+1.2% YoY
|
$1.3B
+6.0% YoY
|
$6.3B
+7.7% YoY
|
28% |
| Total Loans ? |
$133.5M
+9.4% YoY
+3.2% QoQ
|
-$124.9M |
$258.3M
+1.7% YoY
|
$835.5M
+7.1% YoY
|
$3.2B
+9.4% YoY
|
29% |
| Total Deposits ? |
$174.5M
+10.6% YoY
-1.4% QoQ
|
-$152.3M |
$326.7M
+0.7% YoY
|
$967.8M
+5.8% YoY
|
$4.9B
+7.3% YoY
|
28% |
| Return on Assets ? |
1.83%
-15.3% YoY
+2.4% QoQ
|
+0.51% |
1.32%
+10.8% YoY
|
1.35%
+7.7% YoY
|
1.30%
+12.1% YoY
|
81% |
| Net Interest Margin ? |
6.09%
-4.0% YoY
+1.1% QoQ
|
+2.10% |
3.99%
+5.0% YoY
|
4.27%
+1.9% YoY
|
3.95%
+4.9% YoY
|
Top 1.2% in tier |
| Efficiency Ratio ? |
64.77%
+8.7% YoY
-1.2% QoQ
|
+0.29% |
64.48%
-3.2% YoY
|
64.81%
-3.0% YoY
|
70.05%
+2.5% YoY
|
43% |
| Delinquency Rate ? |
0.79%
+28.3% YoY
-6.3% QoQ
|
-0.13% |
0.92%
+15.7% YoY
|
1.78%
+23.7% YoY
|
0.98%
+16.3% YoY
|
35% |
| Loan-to-Deposit Ratio ? |
76.50%
-1.1% YoY
+4.7% QoQ
|
-1.45% |
77.95%
+1.0% YoY
|
74.14%
+1.3% YoY
|
79.03%
+2.3% YoY
|
57% |
| Non-Interest-Bearing Deposit Share ? |
37.93%
-10.6% YoY
-2.8% QoQ
|
+15.90% |
22.03%
-0.6% YoY
|
23.91%
-1.8% YoY
|
21.98%
-0.6% YoY
|
Top 6.4% in tier |
| Nonperforming Asset Ratio ? |
0.52%
+27.3% YoY
-2.2% QoQ
|
-0.15% |
0.67%
+16.4% YoY
|
1.24%
+23.1% YoY
|
0.69%
+15.8% YoY
|
39% |
| Tier 1 Capital Ratio ? |
18.05%
-1.6% YoY
+3.6% QoQ
|
+2.14% |
15.91%
+1.4% YoY
|
14.18%
-3.9% YoY
|
17.09%
+0.8% YoY
|
81% |
| Non-Interest Income / Assets ? |
0.40%
-8.3% YoY
+100.3% QoQ
|
-0.17% |
0.57%
+7.6% YoY
|
0.31%
-11.7% YoY
|
0.66%
+5.2% YoY
|
85% |
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 |
37.9%
-4.5pp YoY -1.1pp QoQ |
+15.8pp | 22.1% | 23.9% | 22.2% | 94% |
| 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 |
7.6%
-0.3pp YoY +0.8pp QoQ |
-4.0pp | 11.6% | 15.7% | 12.5% | 37% |
| CRE |
51.6%
+3.6pp YoY -0.4pp QoQ |
+12.0pp | 39.5% | 42.0% | 41.4% | 72% |
| 1-4 Family |
23.1%
+0.4pp YoY -0.1pp QoQ |
-9.5pp | 32.6% | 24.0% | 31.3% | 37% |
| Consumer |
11.4%
-3.3pp YoY -1.1pp QoQ |
+7.3pp | 4.1% | 5.6% | 5.0% | 94% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
18.1%
-0.3pp YoY +0.6pp QoQ |
-0.8pp | 18.8% | 17.0% | 19.7% | 70% |
| Leverage Ratio |
12.8%
-0.4pp YoY -0.1pp QoQ |
+0.6pp | 12.2% | 11.7% | 12.6% | 73% |
| Total Capital Ratio |
19.3%
-0.3pp YoY +0.6pp QoQ |
-0.6pp | 19.9% | 18.2% | 20.8% | 70% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
61
0 YoY -2 (-3.2%) QoQ |
+2 | 58 | 150 | 482 | 64% |
| Assets per Employee ($) |
$3.3M
+10.2% YoY +2.1% QoQ |
-$4.2M | $7.5M | $6.5M | $8.8M | 2% |
| Branch Count |
6
0 YoY 0 QoQ |
+1 | 4 | 8 | 18 | 66% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.2%
-0.1pp QoQ |
-0.2pp | 0.3% | 0.9% | 0.4% | 60% |
| Nonaccrual |
0.6%
0.0pp YoY +0.1pp QoQ |
-0.3pp | 0.9% | 1.5% | 1.0% | 59% |
| Allowance Coverage |
1.92x
-30.2% YoY +3.6% QoQ |
-22.23x | 24.15x | 61.99x | 20.23x | 46% |
| Net Charge-off Rate (YTD) |
0.1%
-0.1pp YoY -0.1pp QoQ |
0.0pp | 0.1% | 0.2% | 0.2% | 76% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
14.9%
-3.5pp YoY +0.3pp QoQ |
+2.7pp | 12.2% | 11.9% | 11.6% | 67% |
| Cost of Funds (YTD) |
0.7%
+0.1pp YoY 0.0pp QoQ |
-1.0pp | 1.7% | 1.8% | 1.7% | 4% |
| Net Income ($, YTD) |
$1.8M
-10.0% YoY — QoQ |
-$739K | $2.6M | $8.7M | $40.4M | 49% |
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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 (2)
Deposit Franchise
growthTop-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.
Revenue Diversifier
growthTop-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Concerns (3)
Cost Spiral
riskHistorically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.