BlastPoint's Banking Scorecard

Local Bank

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

Designations: ✓ Minority Depository Institution

Hulbert, OK

7 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 +15.6% year over year ($382.6M on the books).
Delinquency rate 0.52%.
Return on assets 0.34%.
Efficiency ratio 88.38% vs a 64.48% peer average.
Loan-to-deposit ratio 90.98% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 106 in OK

View $100M-$1B leaderboard (OK) →

Local Bank has 1 strength but faces 4 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 0.40% below tier average

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 26.6% in tier
- Credit Quality Pressure: Bottom 45.5% in tier
- Return on Assets 0.98% below tier average
- Net Interest Margin 0.07% below tier average

Get updates when Local Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
Total Assets ?	$463.1M +9.9% YoY +4.9% QoQ	+$76.5M	$386.6M +1.2% YoY	$1.3B +6.0% YoY	$6.3B +7.7% YoY	69%
Total Loans ?	$348.1M +17.8% YoY +4.2% QoQ	+$89.8M	$258.3M +1.7% YoY	$835.5M +7.1% YoY	$3.2B +9.4% YoY	74%
Total Deposits ?	$382.6M +15.6% YoY +5.3% QoQ	+$55.9M	$326.7M +0.7% YoY	$967.8M +5.8% YoY	$4.9B +7.3% YoY	67%
Return on Assets ?	0.34% -33.9% YoY +20.4% QoQ	-0.98%	1.32% +10.8% YoY	1.35% +7.7% YoY	1.30% +12.1% YoY	Bottom 8.3% in tier
Net Interest Margin ?	3.92% +16.0% YoY +2.5% QoQ	-0.07%	3.99% +5.0% YoY	4.27% +1.9% YoY	3.95% +4.9% YoY	49%
Efficiency Ratio ?	88.38% +5.9% YoY -3.0% QoQ	+23.90%	64.48% -3.2% YoY	64.81% -3.0% YoY	70.05% +2.5% YoY	Bottom 6.9% in tier
Delinquency Rate ?	0.52% +149.1% YoY +179.3% QoQ	-0.40%	0.92% +15.7% YoY	1.78% +23.7% YoY	0.98% +16.3% YoY	45%
Loan-to-Deposit Ratio ?	90.98% +1.9% YoY -1.1% QoQ	+13.03%	77.95% +1.0% YoY	74.14% +1.3% YoY	79.03% +2.3% YoY	24%
Non-Interest-Bearing Deposit Share ?	10.19% +4.0% YoY +2.5% QoQ	-11.84%	22.03% -0.6% YoY	23.91% -1.8% YoY	21.98% -0.6% YoY	Bottom 11.0% in tier
Nonperforming Asset Ratio ?	0.39% +166.9% YoY +177.4% QoQ	-0.28%	0.67% +16.4% YoY	1.24% +23.1% YoY	0.69% +15.8% YoY	45%
Tier 1 Capital Ratio ?	13.13% -13.5% YoY -4.8% QoQ	-2.78%	15.91% +1.4% YoY	14.18% -3.9% YoY	17.09% +0.8% YoY	49%
Non-Interest Income / Assets ?	0.16% -47.7% YoY +100.1% 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

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
Noninterest-Bearing	10.2% +0.4pp YoY +0.2pp QoQ	-12.0pp	22.1%	23.9%	22.2%	10%
Brokered Deposits	19.6% +7.0pp YoY -0.3pp QoQ	+11.7pp	7.9%	9.7%	8.5%	89%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
C&I	12.1% -0.5pp YoY -2.0pp QoQ	+0.5pp	11.6%	15.7%	12.5%	64%
CRE	35.0% -0.9pp YoY +1.5pp QoQ	-4.5pp	39.5%	42.0%	41.4%	43%
1-4 Family	29.9% +1.3pp YoY -1.5pp QoQ	-2.7pp	32.6%	24.0%	31.3%	51%
Consumer	8.4% -1.1pp YoY -0.1pp QoQ	+4.3pp	4.1%	5.6%	5.0%	89%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
CET1 Ratio	13.1% -2.0pp YoY -0.7pp QoQ	-5.7pp	18.8%	17.0%	19.7%	30%
Leverage Ratio	11.4% -1.1pp YoY -0.1pp QoQ	-0.8pp	12.2%	11.7%	12.6%	56%
Total Capital Ratio	13.7% -2.2pp YoY -0.7pp QoQ	-6.2pp	19.9%	18.2%	20.8%	24%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
Full-Time Employees	94 +17 (+22.1%) YoY +4 (+4.4%) QoQ	+35	58	150	482	84%
Assets per Employee ($)	$4.9M -9.9% YoY +0.5% QoQ	-$2.6M	$7.5M	$6.5M	$8.8M	14%
Branch Count	6 +1 (+20.0%) YoY 0 QoQ	+1	4	8	18	66%

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	0.5% +0.4pp YoY +0.3pp QoQ	-0.4pp	0.9%	1.5%	1.0%	54%
Allowance Coverage	1.20x -63.5% YoY -63.7% QoQ	-22.95x	24.15x	61.99x	20.23x	32%
Net Charge-off Rate (YTD)	0.1% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.2%	0.2%	68%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
ROE	3.2% -1.3pp YoY +0.6pp QoQ	-9.0pp	12.2%	11.9%	11.6%	9%
Cost of Funds (YTD)	2.7% -0.1pp YoY 0.0pp QoQ	+0.9pp	1.7%	1.8%	1.7%	93%
Net Income ($, YTD)	$755,000 -28.4% YoY — QoQ	-$1.8M	$2.6M	$8.7M	$40.4M	19%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 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 (2)

Efficiency Drag

risk

#97 of 361 • Bottom 26.6% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature

Efficiency Ratio: 88.38%

(Tier: 64.48%, National: 70.05%)

worse than tier avg

361 of 361 Community banks match · 426 nationally

↓ Shrinking -64 banks QoQ | QoQ rank improving

Credit Quality Pressure

risk

#572 of 1256 • Bottom 45.5% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.52%

(Tier: 0.92%, National: 0.98%)

better than tier avg

1256 of 1256 Community banks match · 1820 nationally

→ Stable -71 banks QoQ

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).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (4 metrics)

2462

Efficiency Ratio

profitability

Value: 88.38%

Peer Median: 64.48%

#2462 of 2643 Bottom 6.9% in $100M-$1B

2425

Return on Assets

profitability

Value: 0.34%

Peer Median: 1.32%

#2425 of 2643 Bottom 8.3% in $100M-$1B

2354

Non-Interest-Bearing Deposit Share

funding

Value: 10.19%

Peer Median: 22.03%

#2354 of 2643 Bottom 11.0% in $100M-$1B

2007

Loan-to-Deposit Ratio

liquidity

Value: 90.98%

Peer Median: 77.95%

#2007 of 2643 Bottom 24.1% in $100M-$1B