BlastPoint's Banking Scorecard
The State Exchange Bank
Designations: ✓ Community bank
Lamont, 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 -7.5% year over year ($78.6M on the books).
- Delinquency rate 7.09%.
- Return on assets 0.87%.
- Efficiency ratio 67.51% vs a 119.40% peer average.
- Loan-to-deposit ratio 77.53% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
The State Exchange Bank has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 51.89% below tier average
Key Concerns
Areas that may need attention
- - Delinquency Rate 5.60% above tier average
- - Nonperforming Asset Ratio 3.98% above tier average
- - ROA 0.13% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$89.6M
-6.0% YoY
-5.2% QoQ
|
+$27.2M |
$62.4M
-0.0% YoY
|
$1.3B
+6.0% YoY
|
$6.3B
+7.7% YoY
|
Top 14.2% in tier |
| Total Loans ? |
$60.9M
-17.4% YoY
-3.2% QoQ
|
+$26.0M |
$34.9M
-0.6% YoY
|
$835.5M
+7.1% YoY
|
$3.2B
+9.4% YoY
|
Top 13.1% in tier |
| Total Deposits ? |
$78.6M
-7.5% YoY
-5.9% QoQ
|
+$27.0M |
$51.6M
-0.2% YoY
|
$967.8M
+5.8% YoY
|
$4.9B
+7.3% YoY
|
Top 10.8% in tier |
| Return on Assets ? |
0.87%
+124.5% YoY
|
-0.13% |
1.00%
+3.5% YoY
|
1.35%
+7.7% YoY
|
1.30%
+12.1% YoY
|
44% |
| Net Interest Margin ? |
3.88%
+36.3% YoY
+10.5% QoQ
|
-0.04% |
3.91%
+2.3% YoY
|
4.27%
+1.9% YoY
|
3.95%
+4.9% YoY
|
50% |
| Efficiency Ratio ? |
67.51%
-16.9% YoY
-11.6% QoQ
|
-51.89% |
119.40%
+49.6% YoY
|
64.81%
-3.0% YoY
|
70.05%
+2.5% YoY
|
57% |
| Delinquency Rate ? |
7.09%
-38.6% YoY
+33.7% QoQ
|
+5.60% |
1.48%
+31.8% YoY
|
1.78%
+23.7% YoY
|
0.98%
+16.3% YoY
|
Bottom 4.1% in tier |
| Loan-to-Deposit Ratio ? |
77.53%
-10.8% YoY
+2.9% QoQ
|
+3.32% |
74.21%
+12.6% YoY
|
74.14%
+1.3% YoY
|
79.03%
+2.3% YoY
|
33% |
| Non-Interest-Bearing Deposit Share ? |
19.97%
+15.1% YoY
+5.1% QoQ
|
-3.52% |
23.49%
+0.6% YoY
|
23.91%
-1.8% YoY
|
21.98%
-0.6% YoY
|
39% |
| Nonperforming Asset Ratio ? |
4.82%
-46.1% YoY
+36.6% QoQ
|
+3.98% |
0.84%
+23.0% YoY
|
1.24%
+23.1% YoY
|
0.69%
+15.8% YoY
|
Bottom 2.8% in tier |
| Tier 1 Capital Ratio ? |
10.65%
+22.2% YoY
-0.6% QoQ
|
-16.47% |
27.13%
+3.0% YoY
|
14.18%
-3.9% YoY
|
17.09%
+0.8% YoY
|
Bottom 10.3% in tier |
| Non-Interest Income / Assets ? |
0.18%
-10.0% YoY
+396.4% QoQ
|
-1.20% |
1.38%
+6.3% YoY
|
0.31%
-11.7% YoY
|
0.66%
+5.2% YoY
|
65% |
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 |
20.0%
+2.6pp YoY +1.0pp QoQ |
-4.7pp | 24.6% | 23.9% | 22.2% | 36% |
| Brokered Deposits |
18.4%
-10.2pp YoY -6.6pp QoQ |
+8.6pp | 9.8% | 9.7% | 8.5% | 79% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
13.9%
-0.1pp YoY +0.5pp QoQ |
+0.4pp | 13.4% | 15.7% | 12.5% | 64% |
| CRE |
36.0%
-8.6pp YoY -3.3pp QoQ |
+10.7pp | 25.2% | 42.0% | 41.4% | 75% |
| 1-4 Family |
10.1%
+1.9pp YoY -0.6pp QoQ |
-24.9pp | 35.0% | 24.0% | 31.3% | 20% |
| Consumer |
1.1%
+0.3pp YoY +0.2pp QoQ |
-6.6pp | 7.7% | 5.6% | 5.0% | 12% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 38.7% | 17.0% | 19.7% | n/a |
| Leverage Ratio |
10.7%
+1.9pp YoY -0.1pp QoQ |
-7.0pp | 17.7% | 11.7% | 12.6% | 26% |
| Total Capital Ratio | n/a | n/a | 39.7% | 18.2% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
15
+3 (+25.0%) YoY +1 (+7.1%) QoQ |
+3 | 12 | 150 | 482 | 73% |
| Assets per Employee ($) |
$6.0M
-24.8% YoY -11.5% QoQ |
-$215K | $6.2M | $6.5M | $8.8M | 50% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 8 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
2.2%
+2.2pp YoY +1.9pp QoQ |
+1.2pp | 1.0% | 0.9% | 0.4% | 90% |
| Nonaccrual |
4.9%
-6.7pp YoY -0.2pp QoQ |
+3.1pp | 1.7% | 1.5% | 1.0% | 94% |
| Allowance Coverage |
0.41x
+144.5% YoY -22.9% QoQ |
-6.00x | 6.41x | 61.99x | 20.23x | 14% |
| Net Charge-off Rate (YTD) |
0.6%
-7.0pp YoY -0.5pp QoQ |
+0.4pp | 0.2% | 0.2% | 0.2% | 91% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
8.3%
+45.2pp YoY +8.6pp QoQ |
+1.9pp | 6.4% | 11.9% | 11.6% | 52% |
| Cost of Funds (YTD) |
2.6%
-0.4pp YoY 0.0pp QoQ |
+1.2pp | 1.4% | 1.8% | 1.7% | 93% |
| Net Income ($, YTD) |
$406,000
+121.2% YoY — QoQ |
+$88K | $317,817 | $8.7M | $40.4M | 64% |
Get Full Access to The State Exchange Bank
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
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.