BlastPoint's Banking Scorecard

The State Exchange Bank

under $100M Specialty: Agricultural OK FDIC cert 13551

Designations: ✓ Community bank

Lamont, OK

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

The State Exchange Bank has 1 strength but faces 4 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

+ Efficiency Ratio 11.97% below tier average

Key Concerns

Areas that may need attention

- Delinquency Rate 3.92% above tier average
- Nonperforming Asset Ratio 2.74% above tier average
- ROA 0.86% below tier average
- Net Interest Margin 0.35% 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 ?	$94.5M -14.2% YoY -0.6% QoQ	+$32.4M	$62.2M -0.6% YoY	$1.2B +6.7% YoY	$6.2B +9.1% YoY	Top 6.8% in tier
Total Loans ?	$62.9M -27.6% YoY -8.8% QoQ	+$28.7M	$34.2M -1.4% YoY	$822.6M +7.2% YoY	$3.2B +10.8% YoY	Top 9.8% in tier
Total Deposits ?	$83.5M -10.2% YoY -0.7% QoQ	+$31.7M	$51.7M -0.7% YoY	$956.7M +4.7% YoY	$4.8B +8.2% YoY	Top 4.4% in tier
Return on Assets ?	-0.03% -144.0% YoY +97.5% QoQ	-0.86%	0.84% -2.3% YoY	1.34% +7.6% YoY	1.23% +13.4% YoY	Bottom 14.8% in tier
Net Interest Margin ?	3.51% +23.2% YoY +5.0% QoQ	-0.35%	3.86% +2.8% YoY	4.25% +2.4% YoY	3.89% +5.7% YoY	32%
Efficiency Ratio ?	76.38% -12.8% YoY +7.7% QoQ	-11.97%	88.34% +0.3% YoY	65.16% -1.8% YoY	66.95% -4.1% YoY	42%
Delinquency Rate ?	5.30% -64.1% YoY -6.5% QoQ	+3.92%	1.37% +33.8% YoY	1.61% +16.3% YoY	0.95% +18.8% YoY	Bottom 5.2% in tier
Loan-to-Deposit Ratio ?	75.37% -19.3% YoY -8.1% QoQ	+11.15%	64.22% -0.7% YoY	73.83% +1.6% YoY	76.70% +0.9% YoY	36%
Non-Interest-Bearing Deposit Share ?	19.00% -2.9% YoY +5.6% QoQ	-4.71%	23.71% +0.3% YoY	23.68% -1.7% YoY	22.01% -1.2% YoY	37%
Nonperforming Asset Ratio ?	3.53% -69.7% YoY -14.2% QoQ	+2.74%	0.79% +28.2% YoY	1.12% +15.3% YoY	0.67% +19.3% YoY	Bottom 3.9% in tier
Tier 1 Capital Ratio ?	10.72% +10.7% YoY +1.7% QoQ	-15.97%	26.68% +2.0% YoY	14.36% -1.8% YoY	17.06% +0.8% YoY	Bottom 10.9% in tier
Non-Interest Income / Assets ?	0.04% -3.3% YoY -87.6% QoQ	-0.63%	0.67% +1.9% YoY	0.15% -5.6% YoY	0.32% +4.1% YoY	28%

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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 (3 metrics)

Total Deposits

size

Value: $83.48M

Peer Median: $51.74M

#25 of 541 Top 4.4% in under $100M

Total Assets

size

Value: $94.52M

Peer Median: $62.16M

#38 of 541 Top 6.8% in under $100M

Total Loans

size

Value: $62.92M

Peer Median: $34.25M

#54 of 541 Top 9.8% in under $100M

Top Weaknesses (4 metrics)

521

Nonperforming Asset Ratio

credit_quality

Value: 3.53%

Peer Median: 0.79%

#521 of 541 Bottom 3.9% in under $100M

495

Delinquency Rate

credit_quality

Value: 5.30%

Peer Median: 1.37%

#495 of 521 Bottom 5.2% in under $100M

483

Tier 1 Capital Ratio

capital

Value: 10.72%

Peer Median: 26.68%

#483 of 541 Bottom 10.9% in under $100M

462

Return on Assets

profitability

Value: -0.03%

Peer Median: 0.84%

#462 of 541 Bottom 14.8% in under $100M