BlastPoint's Banking Scorecard
AVB Bank
Broken Arrow, OK
4 branches across 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 +17.0% year over year ($541.5M on the books).
- Delinquency rate 0.42%.
- Return on assets 0.93%.
- Efficiency ratio 71.96% vs a 64.48% peer average.
- Loan-to-deposit ratio 82.37% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
AVB Bank has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.25% above tier average
- + Delinquency Rate 0.50% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.39% below tier average
- - Efficiency Ratio 7.49% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$612.3M
+15.3% YoY
+6.6% QoQ
|
+$225.8M |
$386.6M
+1.2% YoY
|
$1.3B
+6.0% YoY
|
$6.3B
+7.7% YoY
|
81% |
| Total Loans ? |
$446.0M
+4.3% YoY
+3.7% QoQ
|
+$187.7M |
$258.3M
+1.7% YoY
|
$835.5M
+7.1% YoY
|
$3.2B
+9.4% YoY
|
83% |
| Total Deposits ? |
$541.5M
+17.0% YoY
+7.1% QoQ
|
+$214.8M |
$326.7M
+0.7% YoY
|
$967.8M
+5.8% YoY
|
$4.9B
+7.3% YoY
|
84% |
| Return on Assets ? |
0.93%
+0.9% YoY
+11.2% QoQ
|
-0.39% |
1.32%
+10.8% YoY
|
1.35%
+7.7% YoY
|
1.30%
+12.1% YoY
|
30% |
| Net Interest Margin ? |
4.23%
-1.2% YoY
+0.2% QoQ
|
+0.25% |
3.99%
+5.0% YoY
|
4.27%
+1.9% YoY
|
3.95%
+4.9% YoY
|
67% |
| Efficiency Ratio ? |
71.96%
+0.4% YoY
-3.4% QoQ
|
+7.49% |
64.48%
-3.2% YoY
|
64.81%
-3.0% YoY
|
70.05%
+2.5% YoY
|
26% |
| Delinquency Rate ? |
0.42%
-7.7% YoY
-14.2% QoQ
|
-0.50% |
0.92%
+15.7% YoY
|
1.78%
+23.7% YoY
|
0.98%
+16.3% YoY
|
50% |
| Loan-to-Deposit Ratio ? |
82.37%
-10.8% YoY
-3.2% QoQ
|
+4.41% |
77.95%
+1.0% YoY
|
74.14%
+1.3% YoY
|
79.03%
+2.3% YoY
|
44% |
| Non-Interest-Bearing Deposit Share ? |
13.95%
-11.4% YoY
-4.5% QoQ
|
-8.08% |
22.03%
-0.6% YoY
|
23.91%
-1.8% YoY
|
21.98%
-0.6% YoY
|
21% |
| Nonperforming Asset Ratio ? |
0.30%
-16.5% YoY
-16.5% QoQ
|
-0.36% |
0.67%
+16.4% YoY
|
1.24%
+23.1% YoY
|
0.69%
+15.8% YoY
|
51% |
| Tier 1 Capital Ratio ? |
11.80%
+1.0% YoY
-0.4% QoQ
|
-4.11% |
15.91%
+1.4% YoY
|
14.18%
-3.9% YoY
|
17.09%
+0.8% YoY
|
33% |
| Non-Interest Income / Assets ? |
0.15%
-13.1% YoY
+106.3% QoQ
|
-0.41% |
0.57%
+7.6% YoY
|
0.31%
-11.7% YoY
|
0.66%
+5.2% YoY
|
36% |
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 |
14.0%
-1.8pp YoY -0.7pp QoQ |
-8.2pp | 22.1% | 23.9% | 22.2% | 20% |
| Brokered Deposits |
10.7%
+4.7pp YoY +1.4pp QoQ |
+2.8pp | 7.9% | 9.7% | 8.5% | 76% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
11.5%
+0.2pp YoY -0.1pp QoQ |
-0.1pp | 11.6% | 15.7% | 12.5% | 61% |
| CRE |
56.3%
+1.1pp YoY +1.2pp QoQ |
+16.7pp | 39.5% | 42.0% | 41.4% | 80% |
| 1-4 Family |
30.9%
-0.1pp YoY -0.8pp QoQ |
-1.7pp | 32.6% | 24.0% | 31.3% | 53% |
| Consumer |
0.7%
0.0pp YoY +0.1pp QoQ |
-3.4pp | 4.1% | 5.6% | 5.0% | 22% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
11.8%
+0.1pp YoY 0.0pp QoQ |
-7.0pp | 18.8% | 17.0% | 19.7% | 15% |
| Leverage Ratio |
9.5%
-0.3pp YoY +0.2pp QoQ |
-2.7pp | 12.2% | 11.7% | 12.6% | 20% |
| Total Capital Ratio |
13.1%
+0.1pp YoY 0.0pp QoQ |
-6.9pp | 19.9% | 18.2% | 20.8% | 16% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
85
+3 (+3.7%) YoY 0 QoQ |
+26 | 58 | 150 | 482 | 80% |
| Assets per Employee ($) |
$7.2M
+11.2% YoY +6.6% QoQ |
-$314K | $7.5M | $6.5M | $8.8M | 56% |
| Branch Count |
4
0 YoY 0 QoQ |
-1 | 4 | 8 | 18 | 42% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.9% | 0.4% | n/a |
| Nonaccrual |
0.4%
0.0pp YoY -0.1pp QoQ |
-0.5pp | 0.9% | 1.5% | 1.0% | 48% |
| Allowance Coverage |
3.79x
+4.0% YoY +12.3% QoQ |
-20.36x | 24.15x | 61.99x | 20.23x | 64% |
| Net Charge-off Rate (YTD) |
-0.0%
0.0pp YoY |
-0.1pp | 0.1% | 0.2% | 0.2% | 28% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
10.9%
-0.1pp YoY +1.3pp QoQ |
-1.3pp | 12.2% | 11.9% | 11.6% | 42% |
| Cost of Funds (YTD) |
1.6%
-0.1pp YoY -0.1pp QoQ |
-0.1pp | 1.7% | 1.8% | 1.7% | 44% |
| Net Income ($, YTD) |
$2.7M
+12.3% YoY — QoQ |
+$139K | $2.6M | $8.7M | $40.4M | 65% |
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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.