BlastPoint's Banking Scorecard
Latimer State Bank
Designations: ✓ Community bank
Wilburton, OK
Latimer State Bank demonstrates 3 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 1.63% above tier average
- + Efficiency Ratio 51.72% below tier average
- + Delinquency Rate 0.06% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$66.1M
-2.1% YoY
+1.0% QoQ
|
+$3.9M |
$62.2M
-0.6% YoY
|
$1.2B
+6.7% YoY
|
$6.2B
+9.1% YoY
|
52% |
| Total Loans ? |
$12.6M
+1.1% YoY
-2.3% QoQ
|
-$21.6M |
$34.2M
-1.4% YoY
|
$822.6M
+7.2% YoY
|
$3.2B
+10.8% YoY
|
Bottom 14.6% in tier |
| Total Deposits ? |
$49.6M
-3.6% YoY
+1.3% QoQ
|
-$2.2M |
$51.7M
-0.7% YoY
|
$956.7M
+4.7% YoY
|
$4.8B
+8.2% YoY
|
44% |
| Return on Assets ? |
2.46%
-3.7% YoY
-4.8% QoQ
|
+1.63% |
0.84%
-2.3% YoY
|
1.34%
+7.6% YoY
|
1.23%
+13.4% YoY
|
Top 5.5% in tier |
| Net Interest Margin ? |
3.88%
-2.9% YoY
-6.7% QoQ
|
+0.02% |
3.86%
+2.8% YoY
|
4.25%
+2.4% YoY
|
3.89%
+5.7% YoY
|
53% |
| Efficiency Ratio ? |
36.62%
+6.5% YoY
+0.3% QoQ
|
-51.72% |
88.34%
+0.3% YoY
|
65.16%
-1.8% YoY
|
66.95%
-4.1% YoY
|
Top 1.8% in tier |
| Delinquency Rate ? |
1.32%
+3.3% YoY
+123.6% QoQ
|
-0.06% |
1.37%
+33.8% YoY
|
1.61%
+16.3% YoY
|
0.95%
+18.8% YoY
|
29% |
| Loan-to-Deposit Ratio ? |
25.41%
+4.9% YoY
-3.6% QoQ
|
-38.80% |
64.22%
-0.7% YoY
|
73.83%
+1.6% YoY
|
76.70%
+0.9% YoY
|
Top 7.0% in tier |
| Non-Interest-Bearing Deposit Share ? |
20.73%
-14.2% YoY
+1.1% QoQ
|
-2.98% |
23.71%
+0.3% YoY
|
23.68%
-1.7% YoY
|
22.01%
-1.2% YoY
|
41% |
| Nonperforming Asset Ratio ? |
0.25%
-6.8% YoY
+116.3% QoQ
|
-0.54% |
0.79%
+28.2% YoY
|
1.12%
+15.3% YoY
|
0.67%
+19.3% YoY
|
50% |
| Tier 1 Capital Ratio ? |
72.60%
+4.7% YoY
+0.3% QoQ
|
+45.91% |
26.68%
+2.0% YoY
|
14.36%
-1.8% YoY
|
17.06%
+0.8% YoY
|
Top 4.8% in tier |
| Non-Interest Income / Assets ? |
0.04%
+5.8% YoY
-71.8% QoQ
|
-0.62% |
0.67%
+1.9% YoY
|
0.15%
-5.6% YoY
|
0.32%
+4.1% YoY
|
38% |
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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.