BlastPoint's Banking Scorecard
Oklahoma State Bank
Designations: ✓ Community bank
Buffalo, OK
2 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 536 banks in the under $100M peer group nationwide — 1 of 39 in OK.
- Deposits +1.3% year over year ($59.5M on the books).
- Delinquency rate 1.48%.
- Return on assets 2.88%.
- Efficiency ratio 52.99% vs a 119.40% peer average.
- Loan-to-deposit ratio 78.86% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Oklahoma State Bank demonstrates 3 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 1.89% above tier average
- + Net Interest Margin 1.90% above tier average
- + Efficiency Ratio 66.40% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$66.7M
+1.2% YoY
-1.0% QoQ
|
+$4.2M |
$62.4M
-0.0% YoY
|
$1.3B
+6.0% YoY
|
$6.3B
+7.7% YoY
|
52% |
| Total Loans ? |
$46.9M
+13.3% YoY
+0.4% QoQ
|
+$12.1M |
$34.9M
-0.6% YoY
|
$835.5M
+7.1% YoY
|
$3.2B
+9.4% YoY
|
73% |
| Total Deposits ? |
$59.5M
+1.3% YoY
-1.6% QoQ
|
+$7.9M |
$51.6M
-0.2% YoY
|
$967.8M
+5.8% YoY
|
$4.9B
+7.3% YoY
|
58% |
| Return on Assets ? |
2.88%
-8.2% YoY
+1.5% QoQ
|
+1.89% |
1.00%
+3.5% YoY
|
1.35%
+7.7% YoY
|
1.30%
+12.1% YoY
|
Top 3.4% in tier |
| Net Interest Margin ? |
5.81%
-5.2% YoY
+1.8% QoQ
|
+1.90% |
3.91%
+2.3% YoY
|
4.27%
+1.9% YoY
|
3.95%
+4.9% YoY
|
Top 3.4% in tier |
| Efficiency Ratio ? |
52.99%
+4.7% YoY
-0.7% QoQ
|
-66.40% |
119.40%
+49.6% YoY
|
64.81%
-3.0% YoY
|
70.05%
+2.5% YoY
|
Top 13.8% in tier |
| Delinquency Rate ? | 1.48% | +0.00% |
1.48%
+31.8% YoY
|
1.78%
+23.7% YoY
|
0.98%
+16.3% YoY
|
27% |
| Loan-to-Deposit Ratio ? |
78.86%
+11.9% YoY
+2.1% QoQ
|
+4.66% |
74.21%
+12.6% YoY
|
74.14%
+1.3% YoY
|
79.03%
+2.3% YoY
|
31% |
| Non-Interest-Bearing Deposit Share ? |
34.73%
+0.6% YoY
-3.6% QoQ
|
+11.24% |
23.49%
+0.6% YoY
|
23.91%
-1.8% YoY
|
21.98%
-0.6% YoY
|
85% |
| Nonperforming Asset Ratio ? | 1.04% | +0.20% |
0.84%
+23.0% YoY
|
1.24%
+23.1% YoY
|
0.69%
+15.8% YoY
|
23% |
| Tier 1 Capital Ratio ? |
14.51%
-12.7% YoY
+3.1% QoQ
|
-12.62% |
27.13%
+3.0% YoY
|
14.18%
-3.9% YoY
|
17.09%
+0.8% YoY
|
44% |
| Non-Interest Income / Assets ? |
0.26%
-0.1% YoY
+95.2% QoQ
|
-1.12% |
1.38%
+6.3% YoY
|
0.31%
-11.7% YoY
|
0.66%
+5.2% YoY
|
79% |
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 |
34.7%
+0.2pp YoY -1.3pp QoQ |
+10.1pp | 24.6% | 23.9% | 22.2% | 84% |
| Brokered Deposits | n/a | n/a | 9.8% | 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 |
14.6%
+3.1pp YoY +0.8pp QoQ |
+1.2pp | 13.4% | 15.7% | 12.5% | 68% |
| CRE | n/a | n/a | 25.2% | 42.0% | 41.4% | n/a |
| 1-4 Family |
13.6%
-1.7pp YoY -0.1pp QoQ |
-21.3pp | 35.0% | 24.0% | 31.3% | 26% |
| Consumer |
16.6%
-8.1pp YoY -0.4pp QoQ |
+8.9pp | 7.7% | 5.6% | 5.0% | 91% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
14.5%
-2.1pp YoY +0.4pp QoQ |
-24.2pp | 38.7% | 17.0% | 19.7% | 19% |
| Leverage Ratio |
10.4%
-0.1pp YoY +0.2pp QoQ |
-7.3pp | 17.7% | 11.7% | 12.6% | 22% |
| Total Capital Ratio |
15.3%
-2.3pp YoY +0.4pp QoQ |
-24.4pp | 39.7% | 18.2% | 20.8% | 17% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
15
0 YoY -1 (-6.2%) QoQ |
+3 | 12 | 150 | 482 | 73% |
| Assets per Employee ($) |
$4.4M
+1.2% YoY +5.6% QoQ |
-$1.7M | $6.2M | $6.5M | $8.8M | 28% |
| Branch Count |
2
0 YoY 0 QoQ |
+0 | 1 | 8 | 18 | 63% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
1.4%
+1.4pp YoY +1.4pp QoQ |
+0.4pp | 1.0% | 0.9% | 0.4% | 82% |
| Nonaccrual |
0.1%
0.0pp YoY 0.0pp QoQ |
-1.7pp | 1.7% | 1.5% | 1.0% | 11% |
| Allowance Coverage |
0.54x
-94.6% YoY -95.1% QoQ |
-5.87x | 6.41x | 61.99x | 20.23x | 23% |
| Net Charge-off Rate (YTD) |
0.1%
+0.1pp YoY -0.1pp QoQ |
-0.1pp | 0.2% | 0.2% | 0.2% | 69% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
28.2%
-2.0pp YoY 0.0pp QoQ |
+21.8pp | 6.4% | 11.9% | 11.6% | 99% |
| Cost of Funds (YTD) |
1.3%
-0.2pp YoY 0.0pp QoQ |
-0.1pp | 1.4% | 1.8% | 1.7% | 46% |
| Net Income ($, YTD) |
$951,000
-4.4% YoY — QoQ |
+$633K | $317,817 | $8.7M | $40.4M | 95% |
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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 (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.