BlastPoint's Banking Scorecard
All America Bank
Oklahoma City, OK
7 branches across OK
All America Bank has 1 strength but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.15% above tier average
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 36.3% in tier
- - Delinquency Rate 4.16% above tier average
- - Nonperforming Asset Ratio 3.24% above tier average
- - ROA 0.30% below tier average
- - Efficiency Ratio 0.29% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$615.0M
+0.4% YoY
+3.6% QoQ
|
+$228.9M |
$386.1M
+0.5% YoY
|
$1.2B
+6.7% YoY
|
$6.2B
+9.1% YoY
|
82% |
| Total Loans ? |
$448.8M
-5.7% YoY
-2.9% QoQ
|
+$193.1M |
$255.7M
+1.1% YoY
|
$822.6M
+7.2% YoY
|
$3.2B
+10.8% YoY
|
85% |
| Total Deposits ? |
$550.5M
+0.3% YoY
+4.2% QoQ
|
+$222.6M |
$328.0M
+0.1% YoY
|
$956.7M
+4.7% YoY
|
$4.8B
+8.2% YoY
|
84% |
| Return on Assets ? |
0.97%
+56.8% YoY
+22.6% QoQ
|
-0.30% |
1.27%
+12.9% YoY
|
1.34%
+7.6% YoY
|
1.23%
+13.4% YoY
|
36% |
| Net Interest Margin ? |
4.08%
-1.3% YoY
+5.4% QoQ
|
+0.15% |
3.93%
+6.0% YoY
|
4.25%
+2.4% YoY
|
3.89%
+5.7% YoY
|
61% |
| Efficiency Ratio ? |
65.57%
+2.6% YoY
-1.4% QoQ
|
+0.29% |
65.29%
-4.5% YoY
|
65.16%
-1.8% YoY
|
66.95%
-4.1% YoY
|
43% |
| Delinquency Rate ? |
5.05%
+36.1% YoY
-6.3% QoQ
|
+4.16% |
0.89%
+18.8% YoY
|
1.61%
+16.3% YoY
|
0.95%
+18.8% YoY
|
Bottom 2.1% in tier |
| Loan-to-Deposit Ratio ? |
81.53%
-6.1% YoY
-6.8% QoQ
|
+4.89% |
76.64%
+0.8% YoY
|
73.83%
+1.6% YoY
|
76.70%
+0.9% YoY
|
43% |
| Non-Interest-Bearing Deposit Share ? |
12.10%
-1.8% YoY
+5.8% QoQ
|
-9.92% |
22.02%
-1.0% YoY
|
23.68%
-1.7% YoY
|
22.01%
-1.2% YoY
|
15% |
| Nonperforming Asset Ratio ? |
3.88%
+30.1% YoY
-9.7% QoQ
|
+3.24% |
0.64%
+19.7% YoY
|
1.12%
+15.3% YoY
|
0.67%
+19.3% YoY
|
Bottom 1.7% in tier |
| Tier 1 Capital Ratio ? |
13.32%
+4.7% YoY
-0.8% QoQ
|
-2.51% |
15.83%
+1.5% YoY
|
14.36%
-1.8% YoY
|
17.06%
+0.8% YoY
|
50% |
| Non-Interest Income / Assets ? |
0.08%
+35.7% YoY
-65.2% QoQ
|
-0.20% |
0.28%
+9.3% YoY
|
0.15%
-5.6% YoY
|
0.32%
+4.1% YoY
|
39% |
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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 (1)
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.