BlastPoint's Banking Scorecard

The Bank of the West

$100M-$1B Specialty: Agricultural OK FDIC cert 25703

Thomas, OK

4 branches across OK

2664 banks in the $100M-$1B peer group nationally 107 in OK

The Bank of the West has 3 strengths but faces 2 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

+ Return on Assets 0.91% above tier average
+ Net Interest Margin 0.91% above tier average
+ Efficiency Ratio 10.54% below tier average

Key Concerns

Areas that may need attention

- Nonperforming Asset Ratio 0.99% above tier average
- Delinquency Rate 1.20% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
Total Assets ?	$184.5M +6.0% YoY +5.5% QoQ	-$201.6M	$386.1M +0.5% YoY	$1.2B +6.7% YoY	$6.2B +9.1% YoY	23%
Total Loans ?	$143.6M +3.7% YoY -6.4% QoQ	-$112.2M	$255.7M +1.1% YoY	$822.6M +7.2% YoY	$3.2B +10.8% YoY	34%
Total Deposits ?	$163.5M +8.2% YoY +7.8% QoQ	-$164.5M	$328.0M +0.1% YoY	$956.7M +4.7% YoY	$4.8B +8.2% YoY	25%
Return on Assets ?	2.18% -11.8% YoY -8.5% QoQ	+0.91%	1.27% +12.9% YoY	1.34% +7.6% YoY	1.23% +13.4% YoY	Top 8.8% in tier
Net Interest Margin ?	4.84% -5.3% YoY -5.1% QoQ	+0.91%	3.93% +6.0% YoY	4.25% +2.4% YoY	3.89% +5.7% YoY	Top 9.9% in tier
Efficiency Ratio ?	54.75% +7.0% YoY +3.1% QoQ	-10.54%	65.29% -4.5% YoY	65.16% -1.8% YoY	66.95% -4.1% YoY	74%
Delinquency Rate ?	2.09% +304.6% YoY +6.8% QoQ	+1.20%	0.89% +18.8% YoY	1.61% +16.3% YoY	0.95% +18.8% YoY	Bottom 11.6% in tier
Loan-to-Deposit Ratio ?	87.80% -4.2% YoY -13.1% QoQ	+11.16%	76.64% +0.8% YoY	73.83% +1.6% YoY	76.70% +0.9% YoY	29%
Non-Interest-Bearing Deposit Share ?	23.46% +1.7% YoY +1.1% QoQ	+1.44%	22.02% -1.0% YoY	23.68% -1.7% YoY	22.01% -1.2% YoY	61%
Nonperforming Asset Ratio ?	1.63% +295.8% YoY -5.2% QoQ	+0.99%	0.64% +19.7% YoY	1.12% +15.3% YoY	0.67% +19.3% YoY	Bottom 9.9% in tier
Tier 1 Capital Ratio ?	11.97% -11.2% YoY -5.6% QoQ	-3.86%	15.83% +1.5% YoY	14.36% -1.8% YoY	17.06% +0.8% YoY	35%
Non-Interest Income / Assets ?	0.06% -4.8% YoY -77.4% QoQ	-0.22%	0.28% +9.3% YoY	0.15% -5.6% YoY	0.32% +4.1% YoY	24%

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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 (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).

Compare against:

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

Top Strengths (2 metrics)

236

Return on Assets

profitability

Value: 2.18%

Peer Median: 1.27%

#236 of 2664 Top 8.8% in $100M-$1B

266

Net Interest Margin

profitability

Value: 4.84%

Peer Median: 3.93%

#266 of 2664 Top 9.9% in $100M-$1B

Top Weaknesses (5 metrics)

2400

Nonperforming Asset Ratio

credit_quality

Value: 1.63%

Peer Median: 0.64%

#2400 of 2664 Bottom 9.9% in $100M-$1B

2346

Delinquency Rate

credit_quality

Value: 2.09%

Peer Median: 0.89%

#2346 of 2654 Bottom 11.6% in $100M-$1B

2063

Total Assets

size

Value: $184.50M

Peer Median: $386.08M

#2063 of 2664 Bottom 22.6% in $100M-$1B

2019

Non-Interest Income / Assets

revenue_mix

Value: 0.06%

Peer Median: 0.28%

#2019 of 2664 Bottom 24.2% in $100M-$1B

2008

Total Deposits

size

Value: $163.51M

Peer Median: $327.97M

#2008 of 2664 Bottom 24.7% in $100M-$1B