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BlastPoint's Banking Scorecard

Local Bank

$100M-$1B Specialty: Commercial OK FDIC cert 2327

Designations: ✓ Minority Depository Institution

Hulbert, OK

6 branches across OK

2664 banks in the $100M-$1B peer group nationally 107 in OK
View $100M-$1B leaderboard (OK) →

Local Bank has 1 strength 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

  • + Delinquency Rate 0.70% below tier average

Key Concerns

Areas that may need attention

  • - Return on Assets 0.99% below tier average
  • - Efficiency Ratio 25.84% above tier average
  • - Net Interest Margin 0.11% below tier average
Get updates when Local Bank releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
Total Assets ? $441.4M
+7.9% YoY +2.9% QoQ
+$55.3M $386.1M
+0.5% YoY
$1.2B
+6.7% YoY
$6.2B
+9.1% YoY
66%
Total Loans ? $334.1M
+17.6% YoY +2.7% QoQ
+$78.4M $255.7M
+1.1% YoY
$822.6M
+7.2% YoY
$3.2B
+10.8% YoY
72%
Total Deposits ? $363.3M
+9.3% YoY +0.6% QoQ
+$35.3M $328.0M
+0.1% YoY
$956.7M
+4.7% YoY
$4.8B
+8.2% YoY
64%
Return on Assets ? 0.28%
+0.7% YoY -35.1% QoQ
-0.99% 1.27%
+12.9% YoY
1.34%
+7.6% YoY
1.23%
+13.4% YoY
Bottom 7.5% in tier
Net Interest Margin ? 3.82%
+15.2% YoY +7.9% QoQ
-0.11% 3.93%
+6.0% YoY
4.25%
+2.4% YoY
3.89%
+5.7% YoY
48%
Efficiency Ratio ? 91.13%
+0.7% YoY +5.3% QoQ
+25.84% 65.29%
-4.5% YoY
65.16%
-1.8% YoY
66.95%
-4.1% YoY
Bottom 5.9% in tier
Delinquency Rate ? 0.19%
-33.4% YoY -48.2% QoQ
-0.70% 0.89%
+18.8% YoY
1.61%
+16.3% YoY
0.95%
+18.8% YoY
66%
Loan-to-Deposit Ratio ? 91.96%
+7.6% YoY +2.1% QoQ
+15.32% 76.64%
+0.8% YoY
73.83%
+1.6% YoY
76.70%
+0.9% YoY
21%
Non-Interest-Bearing Deposit Share ? 9.94%
-4.2% YoY +5.3% QoQ
-12.08% 22.02%
-1.0% YoY
23.68%
-1.7% YoY
22.01%
-1.2% YoY
Bottom 10.7% in tier
Nonperforming Asset Ratio ? 0.14%
-27.4% YoY -48.3% QoQ
-0.50% 0.64%
+19.7% YoY
1.12%
+15.3% YoY
0.67%
+19.3% YoY
66%
Tier 1 Capital Ratio ? 13.79%
-11.1% YoY -3.2% QoQ
-2.04% 15.83%
+1.5% YoY
14.36%
-1.8% YoY
17.06%
+0.8% YoY
55%
Non-Interest Income / Assets ? 0.08%
+7.8% YoY -82.8% QoQ
-0.20% 0.28%
+9.3% YoY
0.15%
-5.6% YoY
0.32%
+4.1% YoY
37%

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 (0)

No matched concern signatures this quarter

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).
Comparing against 2664 peers in $100M-$1B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (4 metrics)

2509
Efficiency Ratio
profitability
Value: 91.13%
Peer Median: 65.29%
#2509 of 2664 Bottom 5.9% in $100M-$1B
2466
Return on Assets
profitability
Value: 0.28%
Peer Median: 1.27%
#2466 of 2664 Bottom 7.5% in $100M-$1B
2380
Non-Interest-Bearing Deposit Share
funding
Value: 9.94%
Peer Median: 22.02%
#2380 of 2664 Bottom 10.7% in $100M-$1B
2116
Loan-to-Deposit Ratio
liquidity
Value: 91.96%
Peer Median: 76.64%
#2116 of 2664 Bottom 20.6% in $100M-$1B
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