BlastPoint's Banking Scorecard

Quail Creek Bank

$100M-$1B Specialty: Commercial OK FDIC cert 21848

Oklahoma 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 +5.5% year over year ($756.5M on the books).
Delinquency rate 0.65%.
Return on assets 1.72%.
Efficiency ratio 56.80% vs a 64.48% peer average.
Loan-to-deposit ratio 80.95% 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) →

Quail Creek Bank has 4 strengths but faces 3 concerns

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

+ ROA 0.40% above tier average
+ Net Interest Margin 0.18% above tier average
+ Efficiency Ratio 7.68% below tier average
+ Delinquency Rate 0.27% below tier average

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 4.2% in tier
- Credit Quality Pressure: Bottom 32.3% in tier
- Capital Thin: Bottom 34.0% in tier

Get updates when Quail Creek 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 ?	$831.2M +5.4% YoY +0.6% QoQ	+$444.6M	$386.6M +1.2% YoY	$1.3B +6.0% YoY	$6.3B +7.7% YoY	Top 6.6% in tier
Total Loans ?	$612.4M +2.4% YoY +0.5% QoQ	+$354.0M	$258.3M +1.7% YoY	$835.5M +7.1% YoY	$3.2B +9.4% YoY	Top 5.6% in tier
Total Deposits ?	$756.5M +5.5% YoY +1.0% QoQ	+$429.7M	$326.7M +0.7% YoY	$967.8M +5.8% YoY	$4.9B +7.3% YoY	Top 4.1% in tier
Return on Assets ?	1.72% -2.9% YoY +1.0% QoQ	+0.40%	1.32% +10.8% YoY	1.35% +7.7% YoY	1.30% +12.1% YoY	77%
Net Interest Margin ?	4.17% -2.8% YoY +0.5% QoQ	+0.18%	3.99% +5.0% YoY	4.27% +1.9% YoY	3.95% +4.9% YoY	64%
Efficiency Ratio ?	56.80% -2.9% YoY +2.2% QoQ	-7.68%	64.48% -3.2% YoY	64.81% -3.0% YoY	70.05% +2.5% YoY	67%
Delinquency Rate ?	0.65% +14.6% YoY -42.0% QoQ	-0.27%	0.92% +15.7% YoY	1.78% +23.7% YoY	0.98% +16.3% YoY	39%
Loan-to-Deposit Ratio ?	80.95% -3.0% YoY -0.5% QoQ	+3.00%	77.95% +1.0% YoY	74.14% +1.3% YoY	79.03% +2.3% YoY	47%
Non-Interest-Bearing Deposit Share ?	24.85% -0.4% YoY +3.8% QoQ	+2.82%	22.03% -0.6% YoY	23.91% -1.8% YoY	21.98% -0.6% YoY	65%
Nonperforming Asset Ratio ?	0.57% +32.6% YoY -40.1% QoQ	-0.09%	0.67% +16.4% YoY	1.24% +23.1% YoY	0.69% +15.8% YoY	36%
Tier 1 Capital Ratio ?	9.07% -32.5% YoY -34.0% QoQ	-6.84%	15.91% +1.4% YoY	14.18% -3.9% YoY	17.09% +0.8% YoY	Bottom 1.4% in tier
Non-Interest Income / Assets ?	0.11% -7.9% YoY +63.9% QoQ	-0.45%	0.57% +7.6% YoY	0.31% -11.7% YoY	0.66% +5.2% YoY	22%

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	24.8% -0.1pp YoY +0.9pp QoQ	+2.7pp	22.1%	23.9%	22.2%	65%
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	4.7% -1.8pp YoY -0.6pp QoQ	-6.8pp	11.6%	15.7%	12.5%	18%
CRE	53.4% +2.2pp YoY +0.4pp QoQ	+13.9pp	39.5%	42.0%	41.4%	75%
1-4 Family	42.1% -0.1pp YoY +0.1pp QoQ	+9.4pp	32.6%	24.0%	31.3%	73%
Consumer	0.9% -0.3pp YoY 0.0pp QoQ	-3.2pp	4.1%	5.6%	5.0%	26%

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	9.1% -0.2pp YoY -0.3pp QoQ	-3.1pp	12.2%	11.7%	12.6%	13%
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	83 -3 (-3.5%) YoY 0 QoQ	+24	58	150	482	79%
Assets per Employee ($)	$10.0M +9.3% YoY +0.6% QoQ	+$2.5M	$7.5M	$6.5M	$8.8M	86%
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	0.3% 0.0pp YoY 0.0pp QoQ	0.0pp	0.3%	0.9%	0.4%	73%
Nonaccrual	0.4% +0.1pp YoY -0.4pp QoQ	-0.6pp	0.9%	1.5%	1.0%	45%
Allowance Coverage	1.80x -17.8% YoY +66.4% QoQ	-22.36x	24.15x	61.99x	20.23x	44%
Net Charge-off Rate (YTD)	0.1% 0.0pp YoY +0.1pp QoQ	-0.1pp	0.1%	0.2%	0.2%	73%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
ROE	19.2% -0.2pp YoY +0.5pp QoQ	+7.0pp	12.2%	11.9%	11.6%	86%
Cost of Funds (YTD)	2.0% -0.2pp YoY 0.0pp QoQ	+0.3pp	1.7%	1.8%	1.7%	69%
Net Income ($, YTD)	$7.1M +2.5% YoY — QoQ	+$4.6M	$2.6M	$8.7M	$40.4M	96%

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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 (3)

Credit Risk Growth

risk

#40 of 936 • Bottom 4.2% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally

→ Stable -58 banks QoQ | QoQ rank improving

Credit Quality Pressure

risk

#407 of 1256 • Bottom 32.3% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.65%

(Tier: 0.92%, National: 0.98%)

better than tier avg

1256 of 1256 Community banks match · 1820 nationally

→ Stable -71 banks QoQ | QoQ rank improving

Capital Thin

risk

#226 of 661 • Bottom 34.0% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature

Tier 1 Capital Ratio: 9.07%

(Tier: 15.91%, National: 17.09%)

worse than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable

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 (4 metrics)

109

Total Deposits

size

Value: $756.47M

Peer Median: $326.73M

#109 of 2643 Top 4.1% in $100M-$1B

148

Total Loans

size

Value: $612.36M

Peer Median: $258.35M

#148 of 2643 Top 5.6% in $100M-$1B

175

Total Assets

size

Value: $831.20M

Peer Median: $386.57M

#175 of 2643 Top 6.6% in $100M-$1B

617

Return on Assets

profitability

Value: 1.72%

Peer Median: 1.32%

#617 of 2643 Top 23.3% in $100M-$1B

Top Weaknesses (2 metrics)

2606

Tier 1 Capital Ratio

capital

Value: 9.07%

Peer Median: 15.91%

#2606 of 2643 Bottom 1.4% in $100M-$1B

2053

Non-Interest Income / Assets

revenue_mix

Value: 0.11%

Peer Median: 0.57%

#2053 of 2643 Bottom 22.4% in $100M-$1B