BlastPoint's Banking Scorecard

Bank of Commerce

$100M-$1B Specialty: Commercial OK FDIC cert 13274

Chelsea, OK

6 branches across OK

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

Bank of Commerce has 3 strengths but faces 1 concern

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

+ Deposit Franchise: Top 10.3% in tier
+ Revenue Diversifier: Top 43.7% in tier
+ ROA 0.52% above tier average

Key Concerns

Areas that may need attention

- Cost Spiral: Bottom 31.0% in tier

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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 ?	$205.5M +8.8% YoY +10.4% QoQ	-$180.6M	$386.1M +0.5% YoY	$1.2B +6.7% YoY	$6.2B +9.1% YoY	28%
Total Loans ?	$129.4M +5.8% YoY -1.8% QoQ	-$126.3M	$255.7M +1.1% YoY	$822.6M +7.2% YoY	$3.2B +10.8% YoY	29%
Total Deposits ?	$177.0M +8.9% YoY +11.5% QoQ	-$151.0M	$328.0M +0.1% YoY	$956.7M +4.7% YoY	$4.8B +8.2% YoY	29%
Return on Assets ?	1.79% -13.2% YoY -15.3% QoQ	+0.52%	1.27% +12.9% YoY	1.34% +7.6% YoY	1.23% +13.4% YoY	81%
Net Interest Margin ?	6.02% -0.7% YoY -7.3% QoQ	+2.09%	3.93% +6.0% YoY	4.25% +2.4% YoY	3.89% +5.7% YoY	Top 1.3% in tier
Efficiency Ratio ?	65.52% +8.6% YoY +6.5% QoQ	+0.24%	65.29% -4.5% YoY	65.16% -1.8% YoY	66.95% -4.1% YoY	43%
Delinquency Rate ?	0.84% -7.1% YoY +44.1% QoQ	-0.05%	0.89% +18.8% YoY	1.61% +16.3% YoY	0.95% +18.8% YoY	32%
Loan-to-Deposit Ratio ?	73.09% -2.8% YoY -12.0% QoQ	-3.55%	76.64% +0.8% YoY	73.83% +1.6% YoY	76.70% +0.9% YoY	61%
Non-Interest-Bearing Deposit Share ?	39.02% -4.9% YoY -5.1% QoQ	+17.00%	22.02% -1.0% YoY	23.68% -1.7% YoY	22.01% -1.2% YoY	Top 5.6% in tier
Nonperforming Asset Ratio ?	0.53% -9.7% YoY +28.2% QoQ	-0.11%	0.64% +19.7% YoY	1.12% +15.3% YoY	0.67% +19.3% YoY	36%
Tier 1 Capital Ratio ?	17.43% -3.5% YoY -0.3% QoQ	+1.59%	15.83% +1.5% YoY	14.36% -1.8% YoY	17.06% +0.8% YoY	79%
Non-Interest Income / Assets ?	0.20% -7.8% YoY -77.4% QoQ	-0.08%	0.28% +9.3% YoY	0.15% -5.6% YoY	0.32% +4.1% YoY	Top 14.5% 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 (2)

Deposit Franchise

growth

#29 of 272 • Top 10.3% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature

Noninterest-Bearing Deposit Share: 39.02%

(Tier: 22.02%, National: 22.01%)

better than tier avg

Net Interest Margin: 6.02%

(Tier: 3.93%, National: 3.89%)

better than tier avg

272 of 272 Community banks match · 369 nationally

→ Stable -14 banks QoQ | QoQ rank declining

Revenue Diversifier

growth

#292 of 666 • Top 43.7% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 0.20%

(Tier: 0.28%, National: 0.32%)

but worse than tier avg

Return on Assets: 1.79%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank declining

Concerns (1)

Cost Spiral

risk

#40 of 126 • Bottom 31.0% in tier

Historically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.

Why this signature

Efficiency Ratio: 65.52%

(Tier: 65.29%, National: 66.95%)

worse than tier avg

126 of 126 Community banks match · 176 nationally

↑ Growing +82 banks QoQ

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 (5 metrics)

Net Interest Margin

profitability

Value: 6.02%

Peer Median: 3.93%

#36 of 2664 Top 1.3% in $100M-$1B

150

Non-Interest-Bearing Deposit Share

funding

Value: 39.02%

Peer Median: 22.02%

#150 of 2664 Top 5.6% in $100M-$1B

388

Non-Interest Income / Assets

revenue_mix

Value: 0.20%

Peer Median: 0.28%

#388 of 2664 Top 14.5% in $100M-$1B

501

Return on Assets

profitability

Value: 1.79%

Peer Median: 1.27%

#501 of 2664 Top 18.8% in $100M-$1B

561

Tier 1 Capital Ratio

capital

Value: 17.43%

Peer Median: 15.83%

#561 of 2664 Top 21.0% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available