BlastPoint's Banking Scorecard
The Bankers Bank
Oklahoma City, OK
2 branches across OK · TX
The Bankers Bank has 3 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 13.7% in tier
- + Credit Quality Leader: Top 42.3% in tier
- + Nonperforming Asset Ratio 0.64% below tier average
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 61.0% in tier
- - Loan-to-Deposit Ratio 23.48% above tier average
- - Efficiency Ratio 13.64% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$303.2M
+13.7% YoY
-8.1% QoQ
|
-$82.9M |
$386.1M
+0.5% YoY
|
$1.2B
+6.7% YoY
|
$6.2B
+9.1% YoY
|
46% |
| Total Loans ? |
$246.2M
+18.4% YoY
-5.8% QoQ
|
-$9.6M |
$255.7M
+1.1% YoY
|
$822.6M
+7.2% YoY
|
$3.2B
+10.8% YoY
|
59% |
| Total Deposits ? |
$245.9M
+12.0% YoY
+12.5% QoQ
|
-$82.1M |
$328.0M
+0.1% YoY
|
$956.7M
+4.7% YoY
|
$4.8B
+8.2% YoY
|
44% |
| Return on Assets ? |
1.04%
-9.8% YoY
-9.1% QoQ
|
-0.23% |
1.27%
+12.9% YoY
|
1.34%
+7.6% YoY
|
1.23%
+13.4% YoY
|
41% |
| Net Interest Margin ? |
3.92%
-3.0% YoY
-3.0% QoQ
|
-0.01% |
3.93%
+6.0% YoY
|
4.25%
+2.4% YoY
|
3.89%
+5.7% YoY
|
53% |
| Efficiency Ratio ? |
78.92%
+2.1% YoY
+3.7% QoQ
|
+13.64% |
65.29%
-4.5% YoY
|
65.16%
-1.8% YoY
|
66.95%
-4.1% YoY
|
17% |
| Delinquency Rate ? | 0.00% | -0.89% |
0.89%
+18.8% YoY
|
1.61%
+16.3% YoY
|
0.95%
+18.8% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
100.11%
+5.7% YoY
-16.3% QoQ
|
+23.48% |
76.64%
+0.8% YoY
|
73.83%
+1.6% YoY
|
76.70%
+0.9% YoY
|
Bottom 8.4% in tier |
| Non-Interest-Bearing Deposit Share ? |
27.04%
-15.3% YoY
-5.7% QoQ
|
+5.02% |
22.02%
-1.0% YoY
|
23.68%
-1.7% YoY
|
22.01%
-1.2% YoY
|
74% |
| Nonperforming Asset Ratio ? | 0.00% | -0.64% |
0.64%
+19.7% YoY
|
1.12%
+15.3% YoY
|
0.67%
+19.3% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
13.43%
-10.7% YoY
+5.1% QoQ
|
-2.41% |
15.83%
+1.5% YoY
|
14.36%
-1.8% YoY
|
17.06%
+0.8% YoY
|
52% |
| Non-Interest Income / Assets ? |
0.82%
-14.5% YoY
-75.6% QoQ
|
+0.54% |
0.28%
+9.3% YoY
|
0.15%
-5.6% YoY
|
0.32%
+4.1% YoY
|
Top 1.9% in tier |
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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 (2)
Revenue Diversifier
growthTop-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (1)
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.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.