BlastPoint's Banking Scorecard
Armstrong Bank
Muskogee, OK
29 branches across OK · AR
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 885 banks in the $1B-$10B peer group nationwide — 1 of 21 in OK.
- Deposits +13.0% year over year ($2.6B on the books).
- Delinquency rate 0.25%.
- Return on assets 1.37%.
- Efficiency ratio 59.07% vs a 59.73% peer average.
- Loan-to-deposit ratio 79.33% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Armstrong Bank shows strong momentum with 3 strengths and 15.1% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.12% above tier average
- + Efficiency Ratio 0.65% below tier average
- + Delinquency Rate 0.61% 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 ? |
$2.8B
+15.1% YoY
+4.8% QoQ
|
+$49.6M |
$2.8B
-0.6% YoY
|
$1.3B
+6.0% YoY
|
$6.3B
+7.7% YoY
|
67% |
| Total Loans ? |
$2.1B
+19.7% YoY
+2.9% QoQ
|
+$90.7M |
$2.0B
-0.3% YoY
|
$835.5M
+7.1% YoY
|
$3.2B
+9.4% YoY
|
68% |
| Total Deposits ? |
$2.6B
+13.0% YoY
+5.3% QoQ
|
+$270.4M |
$2.3B
-0.5% YoY
|
$967.8M
+5.8% YoY
|
$4.9B
+7.3% YoY
|
72% |
| Return on Assets ? |
1.37%
+21.1% YoY
+7.0% QoQ
|
-0.02% |
1.39%
+17.0% YoY
|
1.35%
+7.7% YoY
|
1.30%
+12.1% YoY
|
60% |
| Net Interest Margin ? |
3.99%
+13.9% YoY
+0.5% QoQ
|
+0.12% |
3.87%
+6.2% YoY
|
4.27%
+1.9% YoY
|
3.95%
+4.9% YoY
|
67% |
| Efficiency Ratio ? |
59.07%
-10.2% YoY
-3.7% QoQ
|
-0.65% |
59.73%
-12.6% YoY
|
64.81%
-3.0% YoY
|
70.05%
+2.5% YoY
|
50% |
| Delinquency Rate ? |
0.25%
-20.9% YoY
-8.8% QoQ
|
-0.61% |
0.87%
+11.7% YoY
|
1.78%
+23.7% YoY
|
0.98%
+16.3% YoY
|
73% |
| Loan-to-Deposit Ratio ? |
79.33%
+5.9% YoY
-2.3% QoQ
|
-5.71% |
85.04%
-0.1% YoY
|
74.14%
+1.3% YoY
|
79.03%
+2.3% YoY
|
70% |
| Non-Interest-Bearing Deposit Share ? |
25.75%
-3.1% YoY
-3.2% QoQ
|
+4.48% |
21.27%
-1.5% YoY
|
23.91%
-1.8% YoY
|
21.98%
-0.6% YoY
|
73% |
| Nonperforming Asset Ratio ? |
0.26%
+3.2% YoY
+0.6% QoQ
|
-0.42% |
0.67%
+11.7% YoY
|
1.24%
+23.1% YoY
|
0.69%
+15.8% YoY
|
67% |
| Tier 1 Capital Ratio ? |
13.89%
-1.7% YoY
+1.5% QoQ
|
-0.95% |
14.84%
-0.4% YoY
|
14.18%
-3.9% YoY
|
17.09%
+0.8% YoY
|
62% |
| Non-Interest Income / Assets ? |
0.39%
-13.3% YoY
+90.4% QoQ
|
-0.14% |
0.53%
+2.5% YoY
|
0.31%
-11.7% YoY
|
0.66%
+5.2% YoY
|
69% |
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 |
25.8%
-0.8pp YoY -0.8pp QoQ |
+4.4pp | 21.4% | 23.9% | 22.2% | 73% |
| Brokered Deposits | n/a | n/a | 9.5% | 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 |
8.4%
+3.1pp YoY +0.7pp QoQ |
-5.6pp | 14.0% | 15.7% | 12.5% | 36% |
| CRE |
42.3%
+0.5pp YoY -0.9pp QoQ |
-7.7pp | 50.0% | 42.0% | 41.4% | 30% |
| 1-4 Family |
33.2%
-0.2pp YoY +0.8pp QoQ |
+6.8pp | 26.4% | 24.0% | 31.3% | 72% |
| Consumer |
4.8%
-0.5pp YoY -0.2pp QoQ |
+0.1pp | 4.7% | 5.6% | 5.0% | 81% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
13.9%
-0.2pp YoY +0.2pp QoQ |
-1.7pp | 15.6% | 17.0% | 19.7% | 56% |
| Leverage Ratio |
10.4%
+0.3pp YoY +0.1pp QoQ |
-0.9pp | 11.3% | 11.7% | 12.6% | 47% |
| Total Capital Ratio |
15.0%
-0.2pp YoY +0.2pp QoQ |
-1.7pp | 16.7% | 18.2% | 20.8% | 56% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
421
-5 (-1.2%) YoY -3 (-0.7%) QoQ |
+107 | 313 | 150 | 482 | 79% |
| Assets per Employee ($) |
$6.8M
+16.4% YoY +5.5% QoQ |
-$3.7M | $10.5M | $6.5M | $8.8M | 21% |
| Branch Count |
29
0 YoY -2 (-6.5%) QoQ |
+9 | 20 | 8 | 18 | 81% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.2pp | 0.2% | 0.9% | 0.4% | 21% |
| Nonaccrual |
0.2%
-0.1pp YoY 0.0pp QoQ |
-0.6pp | 0.8% | 1.5% | 1.0% | 26% |
| Allowance Coverage |
4.25x
+31.4% YoY +8.4% QoQ |
-14.46x | 18.71x | 61.99x | 20.23x | 74% |
| Net Charge-off Rate (YTD) |
0.2%
+0.1pp YoY 0.0pp QoQ |
-0.1pp | 0.3% | 0.2% | 0.2% | 75% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
17.1%
+0.8pp YoY +0.9pp QoQ |
+4.5pp | 12.6% | 11.9% | 11.6% | 83% |
| Cost of Funds (YTD) |
2.0%
-0.2pp YoY 0.0pp QoQ |
+0.1pp | 1.9% | 1.8% | 1.7% | 56% |
| Net Income ($, YTD) |
$18.7M
+34.0% YoY — QoQ |
-$509K | $19.2M | $8.7M | $40.4M | 67% |
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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.