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COREBANK

$100M-$1B Specialty: Commercial OK FDIC cert 18063

Waynoka, 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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 106 in OK.
  • Deposits -7.4% year over year ($107.0M on the books).
  • Delinquency rate 0.00%.
  • Return on assets 1.52%.
  • Efficiency ratio 57.91% vs a 64.48% peer average.
  • Loan-to-deposit ratio 87.60% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 106 in OK
View $100M-$1B leaderboard (OK) →

COREBANK has 5 strengths but faces 1 concern

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

  • + Credit Quality Leader: Top 33.5% in tier
  • + Nonperforming Asset Ratio 0.67% below tier average
  • + ROA 0.20% above tier average
  • + Net Interest Margin 0.27% above tier average
  • + Efficiency Ratio 6.57% below tier average

Key Concerns

Areas that may need attention

  • - Capital Constraint: Bottom 4.7% in tier
Get updates when COREBANK releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
Total Assets ? $122.1M
-5.6% YoY -5.3% QoQ
-$264.5M $386.6M
+1.2% YoY
$1.3B
+6.0% YoY
$6.3B
+7.7% YoY
Bottom 6.1% in tier
Total Loans ? $93.7M
-3.3% YoY -1.1% QoQ
-$164.6M $258.3M
+1.7% YoY
$835.5M
+7.1% YoY
$3.2B
+9.4% YoY
16%
Total Deposits ? $107.0M
-7.4% YoY -6.1% QoQ
-$219.7M $326.7M
+0.7% YoY
$967.8M
+5.8% YoY
$4.9B
+7.3% YoY
Bottom 7.8% in tier
Return on Assets ? 1.52%
+44.8% YoY +42.3% QoQ
+0.20% 1.32%
+10.8% YoY
1.35%
+7.7% YoY
1.30%
+12.1% YoY
66%
Net Interest Margin ? 4.26%
+7.4% YoY +3.3% QoQ
+0.27% 3.99%
+5.0% YoY
4.27%
+1.9% YoY
3.95%
+4.9% YoY
68%
Efficiency Ratio ? 57.91%
-6.2% YoY -11.2% QoQ
-6.57% 64.48%
-3.2% YoY
64.81%
-3.0% YoY
70.05%
+2.5% YoY
64%
Delinquency Rate ? 0.00% -0.92% 0.92%
+15.7% YoY
1.78%
+23.7% YoY
0.98%
+16.3% YoY
Top 0.1% in tier
Loan-to-Deposit Ratio ? 87.60%
+4.4% YoY +5.3% QoQ
+9.64% 77.95%
+1.0% YoY
74.14%
+1.3% YoY
79.03%
+2.3% YoY
32%
Non-Interest-Bearing Deposit Share ? 10.96%
+27.5% YoY +17.7% QoQ
-11.07% 22.03%
-0.6% YoY
23.91%
-1.8% YoY
21.98%
-0.6% YoY
Bottom 12.5% in tier
Nonperforming Asset Ratio ? 0.00% -0.67% 0.67%
+16.4% YoY
1.24%
+23.1% YoY
0.69%
+15.8% YoY
Top 0.1% in tier
Tier 1 Capital Ratio ? 11.78%
+19.2% YoY +5.5% QoQ
-4.13% 15.91%
+1.4% YoY
14.18%
-3.9% YoY
17.09%
+0.8% YoY
33%
Non-Interest Income / Assets ? 0.29%
+321.4% YoY +858.5% QoQ
-0.28% 0.57%
+7.6% YoY
0.31%
-11.7% YoY
0.66%
+5.2% YoY
71%

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 11.0%
+2.4pp YoY
+1.7pp QoQ
 -11.2pp 22.1% 23.9% 22.2% 12%
Brokered Deposits 1.4% -6.5pp 7.9% 9.7% 8.5% 23%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
C&I 19.4%
-4.4pp YoY
-1.5pp QoQ
 +7.8pp 11.6% 15.7% 12.5% 87%
CRE 25.8%
+1.0pp QoQ
 -13.8pp 39.5% 42.0% 41.4% 28%
1-4 Family 52.9%
+4.8pp YoY
+0.3pp QoQ
 +20.3pp 32.6% 24.0% 31.3% 85%
Consumer 0.4%
-0.2pp YoY
-0.7pp QoQ
 -3.7pp 4.1% 5.6% 5.0% 14%

Capital

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 17.0% 19.7% n/a
Leverage Ratio 11.8%
+1.9pp YoY
+0.6pp QoQ
 -0.4pp 12.2% 11.7% 12.6% 62%
Total Capital Ratio n/a n/a 19.9% 18.2% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
Full-Time Employees 19
+4 (+26.7%) YoY
+1 (+5.6%) QoQ
 -40 58 150 482 9%
Assets per Employee ($) $6.4M
-25.5% YoY
-10.3% QoQ
 -$1.1M $7.5M $6.5M $8.8M 41%
Branch Count 2
0 YoY
0 QoQ
 -3 4 8 18 11%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.9% 0.4% n/a
Nonaccrual n/a n/a 0.9% 1.5% 1.0% n/a
Allowance Coverage n/a n/a 24.15x 61.99x 20.23x n/a
Net Charge-off Rate (YTD) -0.0%
0.0pp YoY
0.0pp QoQ
 -0.2pp 0.1% 0.2% 0.2% 20%

Profitability

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
ROE 13.6%
+2.9pp YoY
+3.7pp QoQ
 +1.4pp 12.2% 11.9% 11.6% 59%
Cost of Funds (YTD) 3.0%
-0.5pp YoY
0.0pp QoQ
 +1.2pp 1.7% 1.8% 1.7% 97%
Net Income ($, YTD) $957,000
+44.1% YoY
— QoQ
 -$1.6M $2.6M $8.7M $40.4M 25%

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 (1)

Credit Quality Leader

growth
#222 of 659 • Top 33.5% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature
Delinquency Rate: 0.00%
(Tier: 0.92%, National: 0.98%)
better than tier avg
659 of 659 Community banks match · 920 nationally
→ Stable +1 banks QoQ | QoQ rank improving

Concerns (1)

Capital Constraint

risk
#6 of 107 • Bottom 4.7% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.

Why this signature
Loan-to-Deposit Ratio: 87.60%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
Tier 1 Capital Ratio: 11.78%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
107 of 107 Community banks match · 143 nationally
→ Stable -5 banks QoQ

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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (2 metrics)

1
Delinquency Rate
credit_quality
Value: 0.00%
Peer Median: 0.92%
#1 of 2633 Top 0.1% in $100M-$1B
1
Nonperforming Asset Ratio
credit_quality
Value: 0.00%
Peer Median: 0.67%
#1 of 2643 Top 0.1% in $100M-$1B

Top Weaknesses (4 metrics)

2482
Total Assets
size
Value: $122.08M
Peer Median: $386.57M
#2482 of 2643 Bottom 6.1% in $100M-$1B
2438
Total Deposits
size
Value: $107.00M
Peer Median: $326.73M
#2438 of 2643 Bottom 7.8% in $100M-$1B
2314
Non-Interest-Bearing Deposit Share
funding
Value: 10.96%
Peer Median: 22.03%
#2314 of 2643 Bottom 12.5% in $100M-$1B
2215
Total Loans
size
Value: $93.73M
Peer Median: $258.35M
#2215 of 2643 Bottom 16.2% in $100M-$1B
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