BlastPoint's Banking Scorecard
Latimer State Bank
Designations: ✓ Community bank
Wilburton, 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 536 banks in the under $100M peer group nationwide — 1 of 39 in OK.
- Deposits -2.1% year over year ($49.2M on the books).
- Delinquency rate 0.85%.
- Return on assets 2.53%.
- Efficiency ratio 34.44% vs a 119.40% peer average.
- Loan-to-deposit ratio 25.67% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Latimer State Bank demonstrates 3 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 1.54% above tier average
- + Efficiency Ratio 84.96% below tier average
- + Delinquency Rate 0.63% 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 ? |
$65.5M
-1.0% YoY
-0.8% QoQ
|
+$3.1M |
$62.4M
-0.0% YoY
|
$1.3B
+6.0% YoY
|
$6.3B
+7.7% YoY
|
52% |
| Total Loans ? |
$12.6M
-1.7% YoY
+0.2% QoQ
|
-$22.3M |
$34.9M
-0.6% YoY
|
$835.5M
+7.1% YoY
|
$3.2B
+9.4% YoY
|
Bottom 14.0% in tier |
| Total Deposits ? |
$49.2M
-2.1% YoY
-0.8% QoQ
|
-$2.5M |
$51.6M
-0.2% YoY
|
$967.8M
+5.8% YoY
|
$4.9B
+7.3% YoY
|
44% |
| Return on Assets ? |
2.53%
-4.8% YoY
+2.8% QoQ
|
+1.54% |
1.00%
+3.5% YoY
|
1.35%
+7.7% YoY
|
1.30%
+12.1% YoY
|
Top 4.7% in tier |
| Net Interest Margin ? |
3.87%
-5.2% YoY
-0.1% QoQ
|
-0.04% |
3.91%
+2.3% YoY
|
4.27%
+1.9% YoY
|
3.95%
+4.9% YoY
|
49% |
| Efficiency Ratio ? |
34.44%
+2.8% YoY
-6.0% QoQ
|
-84.96% |
119.40%
+49.6% YoY
|
64.81%
-3.0% YoY
|
70.05%
+2.5% YoY
|
Top 1.5% in tier |
| Delinquency Rate ? |
0.85%
+131.7% YoY
-35.7% QoQ
|
-0.63% |
1.48%
+31.8% YoY
|
1.78%
+23.7% YoY
|
0.98%
+16.3% YoY
|
41% |
| Loan-to-Deposit Ratio ? |
25.67%
+0.4% YoY
+1.0% QoQ
|
-48.54% |
74.21%
+12.6% YoY
|
74.14%
+1.3% YoY
|
79.03%
+2.3% YoY
|
Top 7.3% in tier |
| Non-Interest-Bearing Deposit Share ? |
19.72%
-10.2% YoY
-4.9% QoQ
|
-3.76% |
23.49%
+0.6% YoY
|
23.91%
-1.8% YoY
|
21.98%
-0.6% YoY
|
37% |
| Nonperforming Asset Ratio ? |
0.16%
+54.4% YoY
-35.0% QoQ
|
-0.67% |
0.84%
+23.0% YoY
|
1.24%
+23.1% YoY
|
0.69%
+15.8% YoY
|
55% |
| Tier 1 Capital Ratio ? |
72.24%
+3.7% YoY
-0.5% QoQ
|
+45.12% |
27.13%
+3.0% YoY
|
14.18%
-3.9% YoY
|
17.09%
+0.8% YoY
|
Top 5.4% in tier |
| Non-Interest Income / Assets ? |
0.08%
+1.0% YoY
+87.7% QoQ
|
-1.30% |
1.38%
+6.3% YoY
|
0.31%
-11.7% YoY
|
0.66%
+5.2% YoY
|
32% |
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 |
19.7%
-2.2pp YoY -1.0pp QoQ |
-4.9pp | 24.6% | 23.9% | 22.2% | 34% |
| Brokered Deposits | n/a | n/a | 9.8% | 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 |
45.7%
+3.4pp YoY +3.2pp QoQ |
+32.3pp | 13.4% | 15.7% | 12.5% | 98% |
| CRE | n/a | n/a | 25.2% | 42.0% | 41.4% | n/a |
| 1-4 Family |
23.8%
-2.9pp YoY -2.5pp QoQ |
-11.2pp | 35.0% | 24.0% | 31.3% | 42% |
| Consumer |
10.3%
-1.5pp YoY -0.3pp QoQ |
+2.6pp | 7.7% | 5.6% | 5.0% | 78% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
72.2%
+2.6pp YoY -0.4pp QoQ |
+33.6pp | 38.7% | 17.0% | 19.7% | 91% |
| Leverage Ratio |
25.0%
+1.2pp YoY -0.2pp QoQ |
+7.3pp | 17.7% | 11.7% | 12.6% | 90% |
| Total Capital Ratio |
73.2%
+2.6pp YoY -0.4pp QoQ |
+33.5pp | 39.7% | 18.2% | 20.8% | 91% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
6
0 YoY 0 QoQ |
-6 | 12 | 150 | 482 | 13% |
| Assets per Employee ($) |
$10.9M
-1.0% YoY -0.8% QoQ |
+$4.7M | $6.2M | $6.5M | $8.8M | 97% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 8 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.6%
+0.6pp YoY -0.4pp QoQ |
-0.3pp | 1.0% | 0.9% | 0.4% | 60% |
| Nonaccrual |
0.2%
-0.1pp YoY 0.0pp QoQ |
-1.5pp | 1.7% | 1.5% | 1.0% | 23% |
| Allowance Coverage |
2.01x
-56.3% YoY +55.1% QoQ |
-4.40x | 6.41x | 61.99x | 20.23x | 61% |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.2% | 0.2% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
10.2%
-1.1pp YoY +0.3pp QoQ |
+3.8pp | 6.4% | 11.9% | 11.6% | 63% |
| Cost of Funds (YTD) |
0.7%
0.0pp YoY 0.0pp QoQ |
-0.7pp | 1.4% | 1.8% | 1.7% | 13% |
| Net Income ($, YTD) |
$832,000
-6.6% YoY — QoQ |
+$514K | $317,817 | $8.7M | $40.4M | 92% |
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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.