BlastPoint's Banking Scorecard

All America Bank

$100M-$1B Specialty: Commercial OK FDIC cert 20093

Oklahoma City, OK

7 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 +0.9% year over year ($546.3M on the books).
Delinquency rate 5.57%.
Return on assets 0.94%.
Efficiency ratio 66.19% vs a 64.48% peer average.
Loan-to-deposit ratio 79.50% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 106 in OK

View $100M-$1B leaderboard (OK) →

All America Bank faces 5 concerns requiring attention

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

No key strengths identified

Key Concerns

Areas that may need attention

- Flatlined Growth: Bottom 40.6% in tier
- Delinquency Rate 4.65% above tier average
- Nonperforming Asset Ratio 3.41% above tier average
- ROA 0.38% below tier average
- Efficiency Ratio 1.71% above tier average

Get updates when All America Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
Total Assets ?	$611.5M +1.0% YoY -0.6% QoQ	+$224.9M	$386.6M +1.2% YoY	$1.3B +6.0% YoY	$6.3B +7.7% YoY	81%
Total Loans ?	$434.3M -6.8% YoY -3.2% QoQ	+$175.9M	$258.3M +1.7% YoY	$835.5M +7.1% YoY	$3.2B +9.4% YoY	82%
Total Deposits ?	$546.3M +0.9% YoY -0.8% QoQ	+$219.5M	$326.7M +0.7% YoY	$967.8M +5.8% YoY	$4.9B +7.3% YoY	84%
Return on Assets ?	0.94% +60.0% YoY -2.6% QoQ	-0.38%	1.32% +10.8% YoY	1.35% +7.7% YoY	1.30% +12.1% YoY	30%
Net Interest Margin ?	3.95% +4.4% YoY -3.2% QoQ	-0.04%	3.99% +5.0% YoY	4.27% +1.9% YoY	3.95% +4.9% YoY	51%
Efficiency Ratio ?	66.19% -1.7% YoY +0.9% QoQ	+1.71%	64.48% -3.2% YoY	64.81% -3.0% YoY	70.05% +2.5% YoY	39%
Delinquency Rate ?	5.57% +21.6% YoY +10.4% QoQ	+4.65%	0.92% +15.7% YoY	1.78% +23.7% YoY	0.98% +16.3% YoY	Bottom 2.0% in tier
Loan-to-Deposit Ratio ?	79.50% -7.7% YoY -2.5% QoQ	+1.55%	77.95% +1.0% YoY	74.14% +1.3% YoY	79.03% +2.3% YoY	50%
Non-Interest-Bearing Deposit Share ?	11.38% -5.1% YoY -6.0% QoQ	-10.65%	22.03% -0.6% YoY	23.91% -1.8% YoY	21.98% -0.6% YoY	Bottom 13.4% in tier
Nonperforming Asset Ratio ?	4.08% +8.5% YoY +5.2% QoQ	+3.41%	0.67% +16.4% YoY	1.24% +23.1% YoY	0.69% +15.8% YoY	Bottom 1.7% in tier
Tier 1 Capital Ratio ?	14.11% +9.0% YoY +5.9% QoQ	-1.80%	15.91% +1.4% YoY	14.18% -3.9% YoY	17.09% +0.8% YoY	58%
Non-Interest Income / Assets ?	0.16% +18.6% YoY +96.3% QoQ	-0.41%	0.57% +7.6% YoY	0.31% -11.7% YoY	0.66% +5.2% YoY	38%

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	11.4% -0.6pp YoY -0.7pp QoQ	-10.8pp	22.1%	23.9%	22.2%	13%
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	3.5% +0.8pp YoY +0.2pp QoQ	-8.1pp	11.6%	15.7%	12.5%	12%
CRE	48.6% -0.1pp YoY +1.2pp QoQ	+9.1pp	39.5%	42.0%	41.4%	68%
1-4 Family	20.8% -1.4pp YoY -0.2pp QoQ	-11.9pp	32.6%	24.0%	31.3%	31%
Consumer	2.0% -0.2pp YoY +0.1pp QoQ	-2.1pp	4.1%	5.6%	5.0%	48%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
CET1 Ratio	14.1% +1.2pp YoY +0.8pp QoQ	-4.7pp	18.8%	17.0%	19.7%	40%
Leverage Ratio	10.5% +0.3pp YoY 0.0pp QoQ	-1.7pp	12.2%	11.7%	12.6%	41%
Total Capital Ratio	15.3% +1.2pp YoY +0.9pp QoQ	-4.6pp	19.9%	18.2%	20.8%	41%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
Full-Time Employees	124 +4 (+3.3%) YoY +1 (+0.8%) QoQ	+65	58	150	482	94%
Assets per Employee ($)	$4.9M -2.3% YoY -1.4% QoQ	-$2.6M	$7.5M	$6.5M	$8.8M	14%
Branch Count	7 0 YoY 0 QoQ	+2	4	8	18	75%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
Past Due 90+ Days	0.2% -0.1pp YoY 0.0pp QoQ	-0.1pp	0.3%	0.9%	0.4%	65%
Nonaccrual	5.4% +1.1pp YoY +0.5pp QoQ	+4.4pp	0.9%	1.5%	1.0%	98%
Allowance Coverage	0.23x -22.4% YoY -4.9% QoQ	-23.93x	24.15x	61.99x	20.23x	2%
Net Charge-off Rate (YTD)	0.4% -0.4pp YoY -0.1pp QoQ	+0.3pp	0.1%	0.2%	0.2%	92%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
ROE	9.0% +3.2pp YoY -0.2pp QoQ	-3.2pp	12.2%	11.9%	11.6%	31%
Cost of Funds (YTD)	2.6% -0.3pp YoY 0.0pp QoQ	+0.9pp	1.7%	1.8%	1.7%	92%
Net Income ($, YTD)	$2.9M +60.5% YoY — QoQ	+$301K	$2.6M	$8.7M	$40.4M	68%

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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 (0)

No matched strength signatures this quarter

Concerns (1)

Flatlined Growth

risk

#216 of 529 • Bottom 40.6% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature

Return on Assets: 0.94%

(Tier: 1.32%, National: 1.30%)

worse than tier avg

529 of 529 Community banks match · 719 nationally

→ Stable +34 banks QoQ | QoQ rank declining

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 2643 peers in $100M-$1B

Top Strengths (3 metrics)

430

Total Deposits

size

Value: $546.28M

Peer Median: $326.73M

#430 of 2643 Top 16.2% in $100M-$1B

465

Total Loans

size

Value: $434.29M

Peer Median: $258.35M

#465 of 2643 Top 17.6% in $100M-$1B

497

Total Assets

size

Value: $611.48M

Peer Median: $386.57M

#497 of 2643 Top 18.8% in $100M-$1B

Top Weaknesses (3 metrics)

2600

Nonperforming Asset Ratio

credit_quality

Value: 4.08%

Peer Median: 0.67%

#2600 of 2643 Bottom 1.7% in $100M-$1B

2582

Delinquency Rate

credit_quality

Value: 5.57%

Peer Median: 0.92%

#2582 of 2633 Bottom 2.0% in $100M-$1B

2290

Non-Interest-Bearing Deposit Share

funding

Value: 11.38%

Peer Median: 22.03%

#2290 of 2643 Bottom 13.4% in $100M-$1B