BlastPoint's Banking Scorecard

The Bankers Bank

$100M-$1B Specialty: Commercial OK FDIC cert 26677

Oklahoma City, OK

2 branches across OK · TX

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 +18.8% year over year ($243.4M on the books).
Delinquency rate 1.96%.
Return on assets 0.98%.
Efficiency ratio 80.20% vs a 64.48% peer average.
Loan-to-deposit ratio 99.38% 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) →

The Bankers 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

+ Revenue Diversifier: Top 14.7% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 3.6% in tier
- Margin Compression: Bottom 47.9% in tier
- Net Interest Margin 0.12% below tier average
- Delinquency Rate 1.04% above tier average

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Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
Total Assets ?	$310.5M +13.6% YoY +2.4% QoQ	-$76.1M	$386.6M +1.2% YoY	$1.3B +6.0% YoY	$6.3B +7.7% YoY	48%
Total Loans ?	$241.8M +12.7% YoY -1.8% QoQ	-$16.5M	$258.3M +1.7% YoY	$835.5M +7.1% YoY	$3.2B +9.4% YoY	57%
Total Deposits ?	$243.4M +18.8% YoY -1.0% QoQ	-$83.4M	$326.7M +0.7% YoY	$967.8M +5.8% YoY	$4.9B +7.3% YoY	43%
Return on Assets ?	0.98% -20.2% YoY -5.9% QoQ	-0.34%	1.32% +10.8% YoY	1.35% +7.7% YoY	1.30% +12.1% YoY	32%
Net Interest Margin ?	3.87% -5.6% YoY -1.2% QoQ	-0.12%	3.99% +5.0% YoY	4.27% +1.9% YoY	3.95% +4.9% YoY	46%
Efficiency Ratio ?	80.20% +5.4% YoY +1.6% QoQ	+15.72%	64.48% -3.2% YoY	64.81% -3.0% YoY	70.05% +2.5% YoY	Bottom 13.5% in tier
Delinquency Rate ?	1.96%	+1.04%	0.92% +15.7% YoY	1.78% +23.7% YoY	0.98% +16.3% YoY	Bottom 13.3% in tier
Loan-to-Deposit Ratio ?	99.38% -5.2% YoY -0.7% QoQ	+21.43%	77.95% +1.0% YoY	74.14% +1.3% YoY	79.03% +2.3% YoY	Bottom 10.9% in tier
Non-Interest-Bearing Deposit Share ?	27.07% -18.2% YoY +0.1% QoQ	+5.04%	22.03% -0.6% YoY	23.91% -1.8% YoY	21.98% -0.6% YoY	73%
Nonperforming Asset Ratio ?	1.52%	+0.86%	0.67% +16.4% YoY	1.24% +23.1% YoY	0.69% +15.8% YoY	Bottom 11.7% in tier
Tier 1 Capital Ratio ?	14.08% -6.0% YoY +4.9% QoQ	-1.83%	15.91% +1.4% YoY	14.18% -3.9% YoY	17.09% +0.8% YoY	58%
Non-Interest Income / Assets ?	1.58% -17.8% YoY +93.3% QoQ	+1.01%	0.57% +7.6% YoY	0.31% -11.7% YoY	0.66% +5.2% YoY	Top 2.2% in tier

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	27.1% -6.0pp YoY 0.0pp QoQ	+4.9pp	22.1%	23.9%	22.2%	73%
Brokered Deposits	23.1% +2.5pp YoY -4.8pp QoQ	+15.2pp	7.9%	9.7%	8.5%	93%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
C&I	2.7% -3.4pp YoY -2.2pp QoQ	-8.8pp	11.6%	15.7%	12.5%	9%
CRE	71.1% +16.5pp YoY +3.5pp QoQ	+31.6pp	39.5%	42.0%	41.4%	94%
1-4 Family	2.7% -2.6pp YoY -0.8pp QoQ	-30.0pp	32.6%	24.0%	31.3%	3%
Consumer	0.0% 0.0pp YoY 0.0pp QoQ	-4.1pp	4.1%	5.6%	5.0%	3%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
CET1 Ratio	14.1% -0.9pp YoY +0.7pp QoQ	-4.7pp	18.8%	17.0%	19.7%	40%
Leverage Ratio	12.7% -1.0pp YoY +0.3pp QoQ	+0.5pp	12.2%	11.7%	12.6%	72%
Total Capital Ratio	15.3% -0.9pp YoY +0.7pp QoQ	-4.6pp	19.9%	18.2%	20.8%	41%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
Full-Time Employees	61 +3 (+5.2%) YoY -1 (-1.6%) QoQ	+2	58	150	482	64%
Assets per Employee ($)	$5.1M +8.0% YoY +4.1% QoQ	-$2.4M	$7.5M	$6.5M	$8.8M	16%
Branch Count	2 0 YoY 0 QoQ	-3	4	8	18	11%

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	2.0%	+1.0pp	0.9%	1.5%	1.0%	87%
Allowance Coverage	0.82x	-23.33x	24.15x	61.99x	20.23x	21%
Net Charge-off Rate (YTD)	n/a	n/a	0.1%	0.2%	0.2%	n/a

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
ROE	7.8% -1.2pp YoY -0.6pp QoQ	-4.3pp	12.2%	11.9%	11.6%	25%
Cost of Funds (YTD)	2.6% -0.2pp YoY +0.1pp QoQ	+0.8pp	1.7%	1.8%	1.7%	91%
Net Income ($, YTD)	$1.5M -7.8% YoY — QoQ	-$1.0M	$2.6M	$8.7M	$40.4M	42%

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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 (1)

Revenue Diversifier

growth

#98 of 661 • Top 14.7% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 1.58%

(Tier: 0.57%, National: 0.66%)

better than tier avg

Return on Assets: 0.98%

(Tier: 1.32%, National: 1.30%)

but worse than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | QoQ rank declining

Concerns (2)

Efficiency Drag

risk

#14 of 361 • Bottom 3.6% in tier

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

Why this signature

Efficiency Ratio: 80.20%

(Tier: 64.48%, National: 70.05%)

worse than tier avg

361 of 361 Community banks match · 426 nationally

↓ Shrinking -64 banks QoQ

Margin Compression

decline

#148 of 307 • Bottom 47.9% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature

Return on Assets: 0.98%

(Tier: 1.32%, National: 1.30%)

worse than tier avg

307 of 307 Community banks match · 413 nationally

→ Stable +8 banks QoQ | QoQ rank improving

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 (1 metrics)

Non-Interest Income / Assets

revenue_mix

Value: 1.58%

Peer Median: 0.57%

#60 of 2643 Top 2.2% in $100M-$1B

Top Weaknesses (4 metrics)

2356

Loan-to-Deposit Ratio

liquidity

Value: 99.38%

Peer Median: 77.95%

#2356 of 2643 Bottom 10.9% in $100M-$1B

2336

Nonperforming Asset Ratio

credit_quality

Value: 1.52%

Peer Median: 0.67%

#2336 of 2643 Bottom 11.7% in $100M-$1B

2284

Delinquency Rate

credit_quality

Value: 1.96%

Peer Median: 0.92%

#2284 of 2633 Bottom 13.3% in $100M-$1B

2288

Efficiency Ratio

profitability

Value: 80.20%

Peer Median: 64.48%

#2288 of 2643 Bottom 13.5% in $100M-$1B