BlastPoint's Banking Scorecard
Old Glory Bank
Elmore City, 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 +21.1% year over year ($268.7M on the books).
- Delinquency rate 6.65%.
- Return on assets -5.89%.
- Efficiency ratio 210.24% vs a 64.48% peer average.
- Loan-to-deposit ratio 8.50% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Old Glory Bank has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 14.23% above tier average
- + Non-Interest Income / Assets 0.10% above tier average
Key Concerns
Areas that may need attention
- - Return on Assets 7.22% below tier average
- - Efficiency Ratio 145.76% above tier average
- - Delinquency Rate 5.74% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$276.8M
+19.0% YoY
-0.9% QoQ
|
-$109.8M |
$386.6M
+1.2% YoY
|
$1.3B
+6.0% YoY
|
$6.3B
+7.7% YoY
|
41% |
| Total Loans ? |
$22.8M
+39.5% YoY
-10.7% QoQ
|
-$235.5M |
$258.3M
+1.7% YoY
|
$835.5M
+7.1% YoY
|
$3.2B
+9.4% YoY
|
Bottom 0.8% in tier |
| Total Deposits ? |
$268.7M
+21.1% YoY
-0.4% QoQ
|
-$58.1M |
$326.7M
+0.7% YoY
|
$967.8M
+5.8% YoY
|
$4.9B
+7.3% YoY
|
49% |
| Return on Assets ? |
-5.89%
+28.6% YoY
+10.5% QoQ
|
-7.22% |
1.32%
+10.8% YoY
|
1.35%
+7.7% YoY
|
1.30%
+12.1% YoY
|
Bottom 0.2% in tier |
| Net Interest Margin ? |
3.99%
+12.9% YoY
+0.9% QoQ
|
+0.00% |
3.99%
+5.0% YoY
|
4.27%
+1.9% YoY
|
3.95%
+4.9% YoY
|
53% |
| Efficiency Ratio ? |
210.24%
-29.7% YoY
-5.7% QoQ
|
+145.76% |
64.48%
-3.2% YoY
|
64.81%
-3.0% YoY
|
70.05%
+2.5% YoY
|
Bottom 0.2% in tier |
| Delinquency Rate ? |
6.65%
+207.3% QoQ
|
+5.74% |
0.92%
+15.7% YoY
|
1.78%
+23.7% YoY
|
0.98%
+16.3% YoY
|
Bottom 1.0% in tier |
| Loan-to-Deposit Ratio ? |
8.50%
+15.2% YoY
-10.4% QoQ
|
-69.45% |
77.95%
+1.0% YoY
|
74.14%
+1.3% YoY
|
79.03%
+2.3% YoY
|
Top 0.5% in tier |
| Non-Interest-Bearing Deposit Share ? |
36.27%
-4.5% YoY
-5.5% QoQ
|
+14.23% |
22.03%
-0.6% YoY
|
23.91%
-1.8% YoY
|
21.98%
-0.6% YoY
|
Top 8.2% in tier |
| Nonperforming Asset Ratio ? |
0.55%
+176.9% QoQ
|
-0.12% |
0.67%
+16.4% YoY
|
1.24%
+23.1% YoY
|
0.69%
+15.8% YoY
|
37% |
| Tier 1 Capital Ratio ? |
11.19%
-58.7% YoY
-20.2% QoQ
|
-4.72% |
15.91%
+1.4% YoY
|
14.18%
-3.9% YoY
|
17.09%
+0.8% YoY
|
26% |
| Non-Interest Income / Assets ? |
0.66%
+115.5% YoY
+107.8% QoQ
|
+0.10% |
0.57%
+7.6% YoY
|
0.31%
-11.7% YoY
|
0.66%
+5.2% YoY
|
Top 6.2% 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 |
36.3%
-1.7pp YoY -2.1pp QoQ |
+14.1pp | 22.1% | 23.9% | 22.2% | 92% |
| 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 |
34.2%
+14.9pp YoY +11.4pp QoQ |
+22.7pp | 11.6% | 15.7% | 12.5% | 97% |
| CRE | n/a | n/a | 39.5% | 42.0% | 41.4% | n/a |
| 1-4 Family |
8.7%
-16.1pp YoY -14.6pp QoQ |
-23.9pp | 32.6% | 24.0% | 31.3% | 9% |
| Consumer |
6.9%
-7.1pp YoY +0.5pp QoQ |
+2.7pp | 4.1% | 5.6% | 5.0% | 85% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
11.2%
-15.9pp YoY -2.8pp QoQ |
-7.6pp | 18.8% | 17.0% | 19.7% | 10% |
| Leverage Ratio |
2.7%
-1.9pp YoY -0.7pp QoQ |
-9.5pp | 12.2% | 11.7% | 12.6% | 0% |
| Total Capital Ratio |
11.6%
-16.0pp YoY -3.0pp QoQ |
-8.4pp | 19.9% | 18.2% | 20.8% | 4% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
83
+1 (+1.2%) YoY +1 (+1.2%) QoQ |
+24 | 58 | 150 | 482 | 79% |
| Assets per Employee ($) |
$3.3M
+17.6% YoY -2.1% QoQ |
-$4.2M | $7.5M | $6.5M | $8.8M | 2% |
| Branch Count |
1
0 YoY 0 QoQ |
-4 | 4 | 8 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.9% | 0.4% | n/a |
| Nonaccrual |
6.7%
+6.2pp YoY +4.5pp QoQ |
+5.7pp | 0.9% | 1.5% | 1.0% | 99% |
| Allowance Coverage |
0.16x
-93.3% YoY -75.3% QoQ |
-23.99x | 24.15x | 61.99x | 20.23x | 1% |
| Net Charge-off Rate (YTD) |
2.0%
+1.1pp QoQ |
+1.9pp | 0.1% | 0.2% | 0.2% | 99% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
-190.8%
-27.7pp YoY +1.9pp QoQ |
-203.0pp | 12.2% | 11.9% | 11.6% | 0% |
| Cost of Funds (YTD) |
0.8%
0.0pp YoY 0.0pp QoQ |
-0.9pp | 1.7% | 1.8% | 1.7% | 6% |
| Net Income ($, YTD) |
$-7993000.0
+6.1% YoY — QoQ |
-$10.5M | $2.6M | $8.7M | $40.4M | 0% |
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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.