BlastPoint's Banking Scorecard

COREBANK

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

Waynoka, OK

2 branches across OK

2664 banks in the $100M-$1B peer group nationally 107 in OK

COREBANK has 3 strengths but faces 5 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

+ Credit Quality Leader: Top 36.3% in tier
+ Nonperforming Asset Ratio 0.64% below tier average
+ Net Interest Margin 0.19% above tier average

Key Concerns

Areas that may need attention

- Capital Thin: Bottom 14.6% in tier
- Deposit Outflow: Bottom 47.4% in tier
- Non-Interest-Bearing Deposit Share 12.71% below tier average
- Non-Interest Income / Assets 0.25% below tier average
- ROA 0.20% 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 ?	$128.9M -2.5% YoY +2.6% QoQ	-$257.2M	$386.1M +0.5% YoY	$1.2B +6.7% YoY	$6.2B +9.1% YoY	Bottom 8.4% in tier
Total Loans ?	$94.8M -0.8% YoY -4.6% QoQ	-$160.9M	$255.7M +1.1% YoY	$822.6M +7.2% YoY	$3.2B +10.8% YoY	18%
Total Deposits ?	$113.9M -4.1% YoY +2.7% QoQ	-$214.0M	$328.0M +0.1% YoY	$956.7M +4.7% YoY	$4.8B +8.2% YoY	Bottom 10.2% in tier
Return on Assets ?	1.07% +4.6% YoY -9.4% QoQ	-0.20%	1.27% +12.9% YoY	1.34% +7.6% YoY	1.23% +13.4% YoY	43%
Net Interest Margin ?	4.12% +4.6% YoY -0.9% QoQ	+0.19%	3.93% +6.0% YoY	4.25% +2.4% YoY	3.89% +5.7% YoY	64%
Efficiency Ratio ?	65.24% +1.4% YoY +8.7% QoQ	-0.05%	65.29% -4.5% YoY	65.16% -1.8% YoY	66.95% -4.1% YoY	44%
Delinquency Rate ?	0.00%	-0.89%	0.89% +18.8% YoY	1.61% +16.3% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	83.22% +3.5% YoY -7.1% QoQ	+6.58%	76.64% +0.8% YoY	73.83% +1.6% YoY	76.70% +0.9% YoY	39%
Non-Interest-Bearing Deposit Share ?	9.31% +9.5% YoY +13.5% QoQ	-12.71%	22.02% -1.0% YoY	23.68% -1.7% YoY	22.01% -1.2% YoY	Bottom 9.4% in tier
Nonperforming Asset Ratio ?	0.00%	-0.64%	0.64% +19.7% YoY	1.12% +15.3% YoY	0.67% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	11.16% +6.0% YoY +0.1% QoQ	-4.67%	15.83% +1.5% YoY	14.36% -1.8% YoY	17.06% +0.8% YoY	25%
Non-Interest Income / Assets ?	0.03% -4.7% YoY -77.8% QoQ	-0.25%	0.28% +9.3% YoY	0.15% -5.6% YoY	0.32% +4.1% YoY	Bottom 8.3% in tier

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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 (1)

Credit Quality Leader

growth

#242 of 664 • Top 36.3% 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: 0.89%, National: 0.95%)

better than tier avg

664 of 664 Community banks match · 922 nationally

→ Stable +2 banks QoQ | QoQ rank improving

Concerns (2)

Capital Thin

risk

#98 of 666 • Bottom 14.6% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature

Tier 1 Capital Ratio: 11.16%

(Tier: 15.83%, National: 17.06%)

worse than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ

Deposit Outflow

decline

#241 of 506 • Bottom 47.4% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

506 of 506 Community banks match · 656 nationally

→ Stable -8 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).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (2 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.89%

#1 of 2654 Top 0.1% in $100M-$1B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.64%

#1 of 2664 Top 0.1% in $100M-$1B

Top Weaknesses (6 metrics)

2445

Non-Interest Income / Assets

revenue_mix

Value: 0.03%

Peer Median: 0.28%

#2445 of 2664 Bottom 8.3% in $100M-$1B

2442

Total Assets

size

Value: $128.91M

Peer Median: $386.08M

#2442 of 2664 Bottom 8.4% in $100M-$1B

2414

Non-Interest-Bearing Deposit Share

funding

Value: 9.31%

Peer Median: 22.02%

#2414 of 2664 Bottom 9.4% in $100M-$1B

2392

Total Deposits

size

Value: $113.94M

Peer Median: $327.97M

#2392 of 2664 Bottom 10.2% in $100M-$1B

2188

Total Loans

size

Value: $94.81M

Peer Median: $255.72M

#2188 of 2664 Bottom 17.9% in $100M-$1B

2000

Tier 1 Capital Ratio

capital

Value: 11.16%

Peer Median: 15.83%

#2000 of 2664 Bottom 25.0% in $100M-$1B