BlastPoint's Banking Scorecard
Citizens Bank of Ada
Ada, 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 +10.6% year over year ($310.7M on the books).
- Delinquency rate 0.69%.
- Return on assets 1.81%.
- Efficiency ratio 62.39% vs a 64.48% peer average.
- Loan-to-deposit ratio 60.76% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Citizens Bank of Ada shows strong momentum with 4 strengths and 8.7% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.49% above tier average
- + Net Interest Margin 0.36% above tier average
- + Efficiency Ratio 2.09% below tier average
- + Delinquency Rate 0.23% 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 ? |
$353.7M
+8.7% YoY
+4.2% QoQ
|
-$32.9M |
$386.6M
+1.2% YoY
|
$1.3B
+6.0% YoY
|
$6.3B
+7.7% YoY
|
55% |
| Total Loans ? |
$188.8M
+6.1% YoY
+3.6% QoQ
|
-$69.6M |
$258.3M
+1.7% YoY
|
$835.5M
+7.1% YoY
|
$3.2B
+9.4% YoY
|
45% |
| Total Deposits ? |
$310.7M
+10.6% YoY
+5.0% QoQ
|
-$16.0M |
$326.7M
+0.7% YoY
|
$967.8M
+5.8% YoY
|
$4.9B
+7.3% YoY
|
57% |
| Return on Assets ? |
1.81%
+0.1% YoY
+6.6% QoQ
|
+0.49% |
1.32%
+10.8% YoY
|
1.35%
+7.7% YoY
|
1.30%
+12.1% YoY
|
80% |
| Net Interest Margin ? |
4.35%
-1.4% YoY
+0.0% QoQ
|
+0.36% |
3.99%
+5.0% YoY
|
4.27%
+1.9% YoY
|
3.95%
+4.9% YoY
|
73% |
| Efficiency Ratio ? |
62.39%
-0.8% YoY
-2.5% QoQ
|
-2.09% |
64.48%
-3.2% YoY
|
64.81%
-3.0% YoY
|
70.05%
+2.5% YoY
|
50% |
| Delinquency Rate ? | 0.69% | -0.23% |
0.92%
+15.7% YoY
|
1.78%
+23.7% YoY
|
0.98%
+16.3% YoY
|
38% |
| Loan-to-Deposit Ratio ? |
60.76%
-4.0% YoY
-1.4% QoQ
|
-17.19% |
77.95%
+1.0% YoY
|
74.14%
+1.3% YoY
|
79.03%
+2.3% YoY
|
82% |
| Non-Interest-Bearing Deposit Share ? |
27.77%
-5.8% YoY
+0.6% QoQ
|
+5.74% |
22.03%
-0.6% YoY
|
23.91%
-1.8% YoY
|
21.98%
-0.6% YoY
|
76% |
| Nonperforming Asset Ratio ? | 0.37% | -0.30% |
0.67%
+16.4% YoY
|
1.24%
+23.1% YoY
|
0.69%
+15.8% YoY
|
47% |
| Tier 1 Capital Ratio ? |
9.50%
-46.4% YoY
+0.9% QoQ
|
-6.40% |
15.91%
+1.4% YoY
|
14.18%
-3.9% YoY
|
17.09%
+0.8% YoY
|
Bottom 4.8% in tier |
| Non-Interest Income / Assets ? |
0.36%
-16.9% YoY
+119.2% QoQ
|
-0.20% |
0.57%
+7.6% YoY
|
0.31%
-11.7% YoY
|
0.66%
+5.2% YoY
|
81% |
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 |
27.8%
-1.7pp YoY +0.2pp QoQ |
+5.6pp | 22.1% | 23.9% | 22.2% | 76% |
| Brokered Deposits |
5.7%
+3.6pp YoY +2.7pp QoQ |
-2.2pp | 7.9% | 9.7% | 8.5% | 57% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
18.3%
+4.7pp YoY +1.8pp QoQ |
+6.8pp | 11.6% | 15.7% | 12.5% | 85% |
| CRE |
28.1%
-2.8pp YoY -0.5pp QoQ |
-11.5pp | 39.5% | 42.0% | 41.4% | 31% |
| 1-4 Family |
41.1%
0.0pp YoY -0.7pp QoQ |
+8.4pp | 32.6% | 24.0% | 31.3% | 72% |
| Consumer |
4.0%
+0.1pp YoY 0.0pp QoQ |
-0.1pp | 4.1% | 5.6% | 5.0% | 70% |
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 |
9.5%
-0.1pp YoY +0.1pp QoQ |
-2.7pp | 12.2% | 11.7% | 12.6% | 21% |
| 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 |
65
+2 (+3.2%) YoY +2 (+3.2%) QoQ |
+6 | 58 | 150 | 482 | 67% |
| Assets per Employee ($) |
$5.4M
+5.3% YoY +1.0% QoQ |
-$2.1M | $7.5M | $6.5M | $8.8M | 22% |
| Branch Count |
3
0 YoY 0 QoQ |
-2 | 4 | 8 | 18 | 26% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | 0.0% | -0.3pp | 0.3% | 0.9% | 0.4% | 24% |
| Nonaccrual |
0.7%
+0.7pp QoQ |
-0.3pp | 0.9% | 1.5% | 1.0% | 61% |
| Allowance Coverage |
1.79x
-99.6% QoQ |
-22.36x | 24.15x | 61.99x | 20.23x | 44% |
| Net Charge-off Rate (YTD) |
-0.0%
0.0pp YoY 0.0pp QoQ |
-0.2pp | 0.1% | 0.2% | 0.2% | 12% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
19.8%
-1.1pp YoY +1.1pp QoQ |
+7.6pp | 12.2% | 11.9% | 11.6% | 88% |
| Cost of Funds (YTD) |
1.2%
0.0pp YoY +0.1pp QoQ |
-0.5pp | 1.7% | 1.8% | 1.7% | 18% |
| Net Income ($, YTD) |
$3.1M
+5.9% YoY — QoQ |
+$567K | $2.6M | $8.7M | $40.4M | 71% |
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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.