BlastPoint's Banking Scorecard

Peoples State Bank

under $100M Specialty: Agricultural OK FDIC cert 17138

Designations: ✓ Community bank

Blair, OK

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

Peoples State Bank demonstrates 6 strengths

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

+ Net Interest Margin 2.65% above tier average
+ Delinquency Rate 1.37% below tier average
+ Non-Interest-Bearing Deposit Share 15.60% above tier average
+ Nonperforming Asset Ratio 0.79% below tier average
+ ROA 0.47% above tier average
+ Efficiency Ratio 8.52% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

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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 ?	$14.4M -1.3% YoY +5.9% QoQ	-$47.7M	$62.2M -0.6% YoY	$1.2B +6.7% YoY	$6.2B +9.1% YoY	Bottom 2.0% in tier
Total Loans ?	$10.1M -2.7% YoY +3.7% QoQ	-$24.1M	$34.2M -1.4% YoY	$822.6M +7.2% YoY	$3.2B +10.8% YoY	Bottom 11.3% in tier
Total Deposits ?	$12.6M -1.9% YoY +6.5% QoQ	-$39.1M	$51.7M -0.7% YoY	$956.7M +4.7% YoY	$4.8B +8.2% YoY	Bottom 5.2% in tier
Return on Assets ?	1.31% -25.1% YoY -20.1% QoQ	+0.47%	0.84% -2.3% YoY	1.34% +7.6% YoY	1.23% +13.4% YoY	68%
Net Interest Margin ?	6.51% +4.1% YoY -0.6% QoQ	+2.65%	3.86% +2.8% YoY	4.25% +2.4% YoY	3.89% +5.7% YoY	Top 0.7% in tier
Efficiency Ratio ?	79.82% +9.8% YoY +5.7% QoQ	-8.52%	88.34% +0.3% YoY	65.16% -1.8% YoY	66.95% -4.1% YoY	35%
Delinquency Rate ?	0.00%	-1.37%	1.37% +33.8% YoY	1.61% +16.3% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	80.12% -0.8% YoY -2.7% QoQ	+15.91%	64.22% -0.7% YoY	73.83% +1.6% YoY	76.70% +0.9% YoY	27%
Non-Interest-Bearing Deposit Share ?	39.31% +2.4% YoY -1.9% QoQ	+15.60%	23.71% +0.3% YoY	23.68% -1.7% YoY	22.01% -1.2% YoY	Top 9.4% in tier
Nonperforming Asset Ratio ?	0.00%	-0.79%	0.79% +28.2% YoY	1.12% +15.3% YoY	0.67% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	12.89% +6.1% YoY -0.9% QoQ	-13.79%	26.68% +2.0% YoY	14.36% -1.8% YoY	17.06% +0.8% YoY	31%
Non-Interest Income / Assets ?	0.15% -14.2% YoY -79.0% QoQ	-0.51%	0.67% +1.9% YoY	0.15% -5.6% YoY	0.32% +4.1% YoY	85%

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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 (5 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 1.37%

#1 of 521 Top 0.1% in under $100M

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.79%

#1 of 541 Top 0.1% in under $100M

Net Interest Margin

profitability

Value: 6.51%

Peer Median: 3.86%

#5 of 541 Top 0.7% in under $100M

Non-Interest-Bearing Deposit Share

funding

Value: 39.31%

Peer Median: 23.71%

#52 of 541 Top 9.4% in under $100M

Non-Interest Income / Assets

revenue_mix

Value: 0.15%

Peer Median: 0.67%

#83 of 541 Top 15.2% in under $100M

Top Weaknesses (3 metrics)

531

Total Assets

size

Value: $14.44M

Peer Median: $62.16M

#531 of 541 Bottom 2.0% in under $100M

514

Total Deposits

size

Value: $12.65M

Peer Median: $51.74M

#514 of 541 Bottom 5.2% in under $100M

481

Total Loans

size

Value: $10.13M

Peer Median: $34.25M

#481 of 541 Bottom 11.3% in under $100M