BlastPoint's Banking Scorecard
Oklahoma Capital Bank
Tulsa, OK
3 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 +21.7% year over year ($159.8M on the books).
- Delinquency rate 0.30%.
- Return on assets 1.29%.
- Efficiency ratio 53.04% vs a 64.48% peer average.
- Loan-to-deposit ratio 100.43% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Oklahoma Capital Bank has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.74% above tier average
- + Efficiency Ratio 11.44% below tier average
- + Delinquency Rate 0.62% below tier average
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 22.47% above tier average
- - Non-Interest Income / Assets 0.53% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$196.3M
+21.1% YoY
+7.9% QoQ
|
-$190.3M |
$386.6M
+1.2% YoY
|
$1.3B
+6.0% YoY
|
$6.3B
+7.7% YoY
|
26% |
| Total Loans ? |
$160.5M
+30.8% YoY
+7.4% QoQ
|
-$97.8M |
$258.3M
+1.7% YoY
|
$835.5M
+7.1% YoY
|
$3.2B
+9.4% YoY
|
38% |
| Total Deposits ? |
$159.8M
+21.7% YoY
+6.1% QoQ
|
-$166.9M |
$326.7M
+0.7% YoY
|
$967.8M
+5.8% YoY
|
$4.9B
+7.3% YoY
|
24% |
| Return on Assets ? |
1.29%
+7.6% YoY
-1.2% QoQ
|
-0.03% |
1.32%
+10.8% YoY
|
1.35%
+7.7% YoY
|
1.30%
+12.1% YoY
|
53% |
| Net Interest Margin ? |
4.73%
-0.8% YoY
-1.5% QoQ
|
+0.74% |
3.99%
+5.0% YoY
|
4.27%
+1.9% YoY
|
3.95%
+4.9% YoY
|
Top 13.6% in tier |
| Efficiency Ratio ? |
53.04%
-7.4% YoY
+0.1% QoQ
|
-11.44% |
64.48%
-3.2% YoY
|
64.81%
-3.0% YoY
|
70.05%
+2.5% YoY
|
77% |
| Delinquency Rate ? |
0.30%
-3.2% YoY
-6.9% QoQ
|
-0.62% |
0.92%
+15.7% YoY
|
1.78%
+23.7% YoY
|
0.98%
+16.3% YoY
|
57% |
| Loan-to-Deposit Ratio ? |
100.43%
+7.5% YoY
+1.2% QoQ
|
+22.47% |
77.95%
+1.0% YoY
|
74.14%
+1.3% YoY
|
79.03%
+2.3% YoY
|
Bottom 9.6% in tier |
| Non-Interest-Bearing Deposit Share ? |
16.90%
+15.6% YoY
-7.6% QoQ
|
-5.13% |
22.03%
-0.6% YoY
|
23.91%
-1.8% YoY
|
21.98%
-0.6% YoY
|
32% |
| Nonperforming Asset Ratio ? |
0.25%
+4.6% YoY
-7.3% QoQ
|
-0.42% |
0.67%
+16.4% YoY
|
1.24%
+23.1% YoY
|
0.69%
+15.8% YoY
|
56% |
| Tier 1 Capital Ratio ? |
10.39%
-13.6% YoY
+0.7% QoQ
|
-5.52% |
15.91%
+1.4% YoY
|
14.18%
-3.9% YoY
|
17.09%
+0.8% YoY
|
15% |
| Non-Interest Income / Assets ? |
0.03%
-74.8% YoY
+82.6% QoQ
|
-0.53% |
0.57%
+7.6% YoY
|
0.31%
-11.7% YoY
|
0.66%
+5.2% YoY
|
Bottom 3.1% 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 |
16.9%
+2.3pp YoY -1.4pp QoQ |
-5.3pp | 22.1% | 23.9% | 22.2% | 32% |
| Brokered Deposits | n/a | n/a | 7.9% | 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 |
14.9%
-1.8pp YoY -1.4pp QoQ |
+3.3pp | 11.6% | 15.7% | 12.5% | 75% |
| CRE |
71.2%
+3.9pp YoY +1.2pp QoQ |
+31.6pp | 39.5% | 42.0% | 41.4% | 94% |
| 1-4 Family |
13.7%
-1.2pp YoY -0.2pp QoQ |
-19.0pp | 32.6% | 24.0% | 31.3% | 17% |
| Consumer |
0.4%
-0.3pp YoY 0.0pp QoQ |
-3.8pp | 4.1% | 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 | 18.8% | 17.0% | 19.7% | n/a |
| Leverage Ratio |
10.4%
-1.6pp YoY +0.1pp QoQ |
-1.8pp | 12.2% | 11.7% | 12.6% | 39% |
| 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 |
25
+1 (+4.2%) YoY +1 (+4.2%) QoQ |
-34 | 58 | 150 | 482 | 19% |
| Assets per Employee ($) |
$7.9M
+16.2% YoY +3.6% QoQ |
+$334K | $7.5M | $6.5M | $8.8M | 66% |
| Branch Count |
3
0 YoY 0 QoQ |
-2 | 4 | 8 | 18 | 26% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.9% | 0.4% | n/a |
| Nonaccrual |
0.3%
0.0pp YoY 0.0pp QoQ |
-0.6pp | 0.9% | 1.5% | 1.0% | 38% |
| Allowance Coverage |
3.58x
+10.3% YoY +7.2% QoQ |
-20.58x | 24.15x | 61.99x | 20.23x | 62% |
| Net Charge-off Rate (YTD) |
-0.0%
0.0pp YoY 0.0pp QoQ |
-0.2pp | 0.1% | 0.2% | 0.2% | 16% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
9.9%
+2.1pp YoY +0.1pp QoQ |
-2.3pp | 12.2% | 11.9% | 11.6% | 36% |
| Cost of Funds (YTD) |
2.6%
-0.2pp YoY -0.1pp QoQ |
+0.9pp | 1.7% | 1.8% | 1.7% | 91% |
| Net Income ($, YTD) |
$1.2M
+28.8% YoY — QoQ |
-$1.4M | $2.6M | $8.7M | $40.4M | 33% |
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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.