BlastPoint's Banking Scorecard
Kirkpatrick Bank
Designations: ✓ Community bank
Edmond, OK
8 branches across CO · OK
Kirkpatrick Bank has 2 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.89% below tier average
- + Nonperforming Asset Ratio 0.67% below tier average
Key Concerns
Areas that may need attention
- - Non-Interest Income / Assets 0.22% below tier average
- - ROA 0.53% below tier average
- - Net Interest Margin 0.42% below tier average
- - Efficiency Ratio 15.00% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.1B
+5.4% YoY
+2.0% QoQ
|
-$1.8B |
$2.8B
-0.1% YoY
|
$1.2B
+6.7% YoY
|
$6.2B
+9.1% YoY
|
Bottom 6.3% in tier |
| Total Loans ? |
$738.1M
+2.5% YoY
-3.0% QoQ
|
-$1.2B |
$2.0B
+0.6% YoY
|
$822.6M
+7.2% YoY
|
$3.2B
+10.8% YoY
|
Bottom 10.0% in tier |
| Total Deposits ? |
$953.2M
+5.0% YoY
+2.2% QoQ
|
-$1.4B |
$2.3B
-0.3% YoY
|
$956.7M
+4.7% YoY
|
$4.8B
+8.2% YoY
|
Bottom 11.5% in tier |
| Return on Assets ? |
0.83%
-7.5% YoY
-14.9% QoQ
|
-0.53% |
1.37%
+19.6% YoY
|
1.34%
+7.6% YoY
|
1.23%
+13.4% YoY
|
22% |
| Net Interest Margin ? |
3.39%
+5.7% YoY
+3.8% QoQ
|
-0.42% |
3.82%
+6.9% YoY
|
4.25%
+2.4% YoY
|
3.89%
+5.7% YoY
|
35% |
| Efficiency Ratio ? |
76.06%
+4.8% YoY
+7.1% QoQ
|
+15.00% |
61.06%
-4.6% YoY
|
65.16%
-1.8% YoY
|
66.95%
-4.1% YoY
|
Bottom 12.9% in tier |
| Delinquency Rate ? | 0.00% | -0.89% |
0.89%
+14.1% YoY
|
1.61%
+16.3% YoY
|
0.95%
+18.8% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
77.43%
-2.4% YoY
-5.1% QoQ
|
-6.78% |
84.20%
+0.3% YoY
|
73.83%
+1.6% YoY
|
76.70%
+0.9% YoY
|
71% |
| Non-Interest-Bearing Deposit Share ? |
17.25%
+1.3% YoY
-1.6% QoQ
|
-4.03% |
21.29%
-2.5% YoY
|
23.68%
-1.7% YoY
|
22.01%
-1.2% YoY
|
37% |
| Nonperforming Asset Ratio ? | 0.00% | -0.67% |
0.67%
+15.6% YoY
|
1.12%
+15.3% YoY
|
0.67%
+19.3% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
14.27%
+3.8% YoY
+4.2% QoQ
|
-0.89% |
15.16%
+2.0% YoY
|
14.36%
-1.8% YoY
|
17.06%
+0.8% YoY
|
65% |
| Non-Interest Income / Assets ? |
0.04%
-2.2% YoY
-78.7% QoQ
|
-0.22% |
0.26%
+1.6% YoY
|
0.15%
-5.6% YoY
|
0.32%
+4.1% YoY
|
Bottom 7.0% in tier |
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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.