BlastPoint's Banking Scorecard
Peoples State Bank
Designations: ✓ Community bank
Blair, 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 ($12.1M on the books).
- Delinquency rate 0.00%.
- Return on assets 1.24%.
- Efficiency ratio 80.67% vs a 119.40% peer average.
- Loan-to-deposit ratio 80.00% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Peoples State Bank demonstrates 6 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 2.47% above tier average
- + Delinquency Rate 1.48% below tier average
- + Non-Interest-Bearing Deposit Share 16.97% above tier average
- + Nonperforming Asset Ratio 0.84% below tier average
- + ROA 0.25% above tier average
- + Efficiency Ratio 38.73% 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 ? |
$13.9M
+1.5% YoY
-3.7% QoQ
|
-$48.5M |
$62.4M
-0.0% YoY
|
$1.3B
+6.0% YoY
|
$6.3B
+7.7% YoY
|
Bottom 1.9% in tier |
| Total Loans ? |
$9.7M
-3.5% YoY
-4.5% QoQ
|
-$25.2M |
$34.9M
-0.6% YoY
|
$835.5M
+7.1% YoY
|
$3.2B
+9.4% YoY
|
Bottom 10.6% in tier |
| Total Deposits ? |
$12.1M
+1.3% YoY
-4.4% QoQ
|
-$39.5M |
$51.6M
-0.2% YoY
|
$967.8M
+5.8% YoY
|
$4.9B
+7.3% YoY
|
Bottom 5.2% in tier |
| Return on Assets ? |
1.24%
-31.8% YoY
-5.1% QoQ
|
+0.25% |
1.00%
+3.5% YoY
|
1.35%
+7.7% YoY
|
1.30%
+12.1% YoY
|
65% |
| Net Interest Margin ? |
6.38%
-2.1% YoY
-1.9% QoQ
|
+2.47% |
3.91%
+2.3% YoY
|
4.27%
+1.9% YoY
|
3.95%
+4.9% YoY
|
Top 1.1% in tier |
| Efficiency Ratio ? |
80.67%
+11.0% YoY
+1.1% QoQ
|
-38.73% |
119.40%
+49.6% YoY
|
64.81%
-3.0% YoY
|
70.05%
+2.5% YoY
|
29% |
| Delinquency Rate ? | 0.00% | -1.48% |
1.48%
+31.8% YoY
|
1.78%
+23.7% YoY
|
0.98%
+16.3% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
80.00%
-4.7% YoY
-0.2% QoQ
|
+5.79% |
74.21%
+12.6% YoY
|
74.14%
+1.3% YoY
|
79.03%
+2.3% YoY
|
30% |
| Non-Interest-Bearing Deposit Share ? |
40.46%
+2.1% YoY
+2.9% QoQ
|
+16.97% |
23.49%
+0.6% YoY
|
23.91%
-1.8% YoY
|
21.98%
-0.6% YoY
|
Top 9.1% in tier |
| Nonperforming Asset Ratio ? | 0.00% | -0.84% |
0.84%
+23.0% YoY
|
1.24%
+23.1% YoY
|
0.69%
+15.8% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
13.04%
+5.6% YoY
+1.2% QoQ
|
-14.08% |
27.13%
+3.0% YoY
|
14.18%
-3.9% YoY
|
17.09%
+0.8% YoY
|
32% |
| Non-Interest Income / Assets ? |
0.32%
-11.3% YoY
+112.4% QoQ
|
-1.06% |
1.38%
+6.3% YoY
|
0.31%
-11.7% YoY
|
0.66%
+5.2% YoY
|
Top 14.6% in tier |
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 |
40.5%
+0.8pp YoY +1.1pp QoQ |
+15.8pp | 24.6% | 23.9% | 22.2% | 90% |
| 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 |
36.2%
-15.3pp YoY +1.4pp QoQ |
+22.8pp | 13.4% | 15.7% | 12.5% | 95% |
| CRE | n/a | n/a | 25.2% | 42.0% | 41.4% | n/a |
| 1-4 Family |
3.0%
-0.2pp YoY +0.1pp QoQ |
-31.9pp | 35.0% | 24.0% | 31.3% | 10% |
| Consumer |
11.0%
-1.8pp YoY -0.2pp QoQ |
+3.3pp | 7.7% | 5.6% | 5.0% | 81% |
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 |
13.0%
+0.7pp YoY +0.2pp QoQ |
-4.7pp | 17.7% | 11.7% | 12.6% | 53% |
| 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 |
5
0 YoY 0 QoQ |
-7 | 12 | 150 | 482 | 7% |
| Assets per Employee ($) |
$2.8M
+1.5% YoY -3.7% QoQ |
-$3.4M | $6.2M | $6.5M | $8.8M | 7% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 8 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 1.0% | 0.9% | 0.4% | n/a |
| Nonaccrual | n/a | n/a | 1.7% | 1.5% | 1.0% | n/a |
| Allowance Coverage | n/a | n/a | 6.41x | 61.99x | 20.23x | n/a |
| Net Charge-off Rate (YTD) |
-0.0%
-0.1pp YoY |
-0.2pp | 0.2% | 0.2% | 0.2% | 18% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
9.7%
-5.6pp YoY -0.6pp QoQ |
+3.3pp | 6.4% | 11.9% | 11.6% | 60% |
| Cost of Funds (YTD) |
0.4%
0.0pp YoY 0.0pp QoQ |
-1.1pp | 1.4% | 1.8% | 1.7% | 5% |
| Net Income ($, YTD) |
$87,000
-34.1% YoY — QoQ |
-$231K | $317,817 | $8.7M | $40.4M | 22% |
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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.