BlastPoint's Banking Scorecard
McCurtain County National Bank
Broken Bow, OK
5 branches across OK
McCurtain County National Bank has 1 strength but faces 6 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 1.38% below tier average
Key Concerns
Areas that may need attention
- - Deposit Outflow: Bottom 13.0% in tier
- - Margin Compression: Bottom 19.0% in tier
- - Flatlined Growth: Bottom 45.9% in tier
- - Cost Spiral: Bottom 53.2% in tier
- - Net Interest Margin 0.30% below tier average
- - Delinquency Rate 0.79% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$383.4M
+0.7% YoY
+0.1% QoQ
|
-$2.7M |
$386.1M
+0.5% YoY
|
$1.2B
+6.7% YoY
|
$6.2B
+9.1% YoY
|
59% |
| Total Loans ? |
$145.1M
-4.7% YoY
-1.2% QoQ
|
-$110.6M |
$255.7M
+1.1% YoY
|
$822.6M
+7.2% YoY
|
$3.2B
+10.8% YoY
|
34% |
| Total Deposits ? |
$323.6M
-0.5% YoY
-0.1% QoQ
|
-$4.3M |
$328.0M
+0.1% YoY
|
$956.7M
+4.7% YoY
|
$4.8B
+8.2% YoY
|
59% |
| Return on Assets ? |
1.05%
-16.6% YoY
-21.5% QoQ
|
-0.22% |
1.27%
+12.9% YoY
|
1.34%
+7.6% YoY
|
1.23%
+13.4% YoY
|
41% |
| Net Interest Margin ? |
3.63%
-1.5% YoY
-2.5% QoQ
|
-0.30% |
3.93%
+6.0% YoY
|
4.25%
+2.4% YoY
|
3.89%
+5.7% YoY
|
37% |
| Efficiency Ratio ? |
63.90%
+14.1% YoY
+16.0% QoQ
|
-1.38% |
65.29%
-4.5% YoY
|
65.16%
-1.8% YoY
|
66.95%
-4.1% YoY
|
48% |
| Delinquency Rate ? |
1.68%
+171.5% YoY
+2.0% QoQ
|
+0.79% |
0.89%
+18.8% YoY
|
1.61%
+16.3% YoY
|
0.95%
+18.8% YoY
|
16% |
| Loan-to-Deposit Ratio ? |
44.82%
-4.2% YoY
-1.1% QoQ
|
-31.81% |
76.64%
+0.8% YoY
|
73.83%
+1.6% YoY
|
76.70%
+0.9% YoY
|
Top 6.3% in tier |
| Non-Interest-Bearing Deposit Share ? |
27.85%
-11.6% YoY
-6.4% QoQ
|
+5.83% |
22.02%
-1.0% YoY
|
23.68%
-1.7% YoY
|
22.01%
-1.2% YoY
|
76% |
| Nonperforming Asset Ratio ? |
0.63%
+156.9% YoY
+0.8% QoQ
|
+0.00% |
0.64%
+19.7% YoY
|
1.12%
+15.3% YoY
|
0.67%
+19.3% YoY
|
32% |
| Tier 1 Capital Ratio ? |
15.67%
+9.9% YoY
-0.9% QoQ
|
-0.16% |
15.83%
+1.5% YoY
|
14.36%
-1.8% YoY
|
17.06%
+0.8% YoY
|
70% |
| Non-Interest Income / Assets ? |
0.11%
+4.2% YoY
-73.4% QoQ
|
-0.17% |
0.28%
+9.3% YoY
|
0.15%
-5.6% YoY
|
0.32%
+4.1% YoY
|
58% |
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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 (4)
Deposit Outflow
declineDeposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Cost Spiral
riskHistorically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.