BlastPoint's Banking Scorecard

Great Plains National Bank

$1B-$10B Specialty: Commercial OK FDIC cert 34207

Designations: ✓ Community bank

Elk City, OK

26 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 885 banks in the $1B-$10B peer group nationwide — 1 of 21 in OK.
Deposits +4.2% year over year ($1.7B on the books).
Delinquency rate 1.35%.
Return on assets 1.81%.
Efficiency ratio 65.26% vs a 59.73% peer average.
Loan-to-deposit ratio 95.51% vs a 85.04% peer average.

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

885 banks in the $1B-$10B peer group nationally 21 in OK

View $1B-$10B leaderboard (OK) →

Great Plains National Bank has 3 strengths but faces 3 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 32.0% in tier
+ Net Interest Margin 1.48% above tier average
+ ROA 0.42% above tier average

Key Concerns

Areas that may need attention

- Capital Thin: Bottom 36.9% in tier
- Efficiency Ratio 5.53% above tier average
- Delinquency Rate 0.48% above tier average

Get updates when Great Plains National 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 ?	$1.9B +4.8% YoY +1.5% QoQ	-$864.3M	$2.8B -0.6% YoY	$1.3B +6.0% YoY	$6.3B +7.7% YoY	48%
Total Loans ?	$1.6B +9.5% YoY +2.8% QoQ	-$331.6M	$2.0B -0.3% YoY	$835.5M +7.1% YoY	$3.2B +9.4% YoY	57%
Total Deposits ?	$1.7B +4.2% YoY +1.8% QoQ	-$610.4M	$2.3B -0.5% YoY	$967.8M +5.8% YoY	$4.9B +7.3% YoY	51%
Return on Assets ?	1.81% +14.9% YoY +0.8% QoQ	+0.42%	1.39% +17.0% YoY	1.35% +7.7% YoY	1.30% +12.1% YoY	83%
Net Interest Margin ?	5.35% +2.1% YoY -0.0% QoQ	+1.48%	3.87% +6.2% YoY	4.27% +1.9% YoY	3.95% +4.9% YoY	Top 3.3% in tier
Efficiency Ratio ?	65.26% -3.2% YoY +1.1% QoQ	+5.53%	59.73% -12.6% YoY	64.81% -3.0% YoY	70.05% +2.5% YoY	32%
Delinquency Rate ?	1.35% +27.9% YoY -16.7% QoQ	+0.48%	0.87% +11.7% YoY	1.78% +23.7% YoY	0.98% +16.3% YoY	20%
Loan-to-Deposit Ratio ?	95.51% +5.1% YoY +1.0% QoQ	+10.47%	85.04% -0.1% YoY	74.14% +1.3% YoY	79.03% +2.3% YoY	24%
Non-Interest-Bearing Deposit Share ?	18.73% +4.3% YoY +1.4% QoQ	-2.55%	21.27% -1.5% YoY	23.91% -1.8% YoY	21.98% -0.6% YoY	44%
Nonperforming Asset Ratio ?	1.23% +21.1% YoY -10.9% QoQ	+0.56%	0.67% +11.7% YoY	1.24% +23.1% YoY	0.69% +15.8% YoY	15%
Tier 1 Capital Ratio ?	10.86% +0.2% YoY -3.4% QoQ	-3.98%	14.84% -0.4% YoY	14.18% -3.9% YoY	17.09% +0.8% YoY	16%
Non-Interest Income / Assets ?	0.70% +10.7% YoY +115.2% QoQ	+0.17%	0.53% +2.5% YoY	0.31% -11.7% YoY	0.66% +5.2% YoY	Top 11.2% 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	18.7% +0.8pp YoY +0.3pp QoQ	-2.6pp	21.4%	23.9%	22.2%	43%
Brokered Deposits	n/a	n/a	9.5%	9.7%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
C&I	23.0% -1.5pp YoY -0.1pp QoQ	+9.0pp	14.0%	15.7%	12.5%	85%
CRE	40.5% +0.8pp YoY +1.0pp QoQ	-9.6pp	50.0%	42.0%	41.4%	26%
1-4 Family	22.0% +0.2pp YoY 0.0pp QoQ	-4.4pp	26.4%	24.0%	31.3%	47%
Consumer	2.7% 0.0pp YoY +0.2pp QoQ	-2.0pp	4.7%	5.6%	5.0%	71%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
CET1 Ratio	10.9% 0.0pp YoY -0.4pp QoQ	-4.7pp	15.6%	17.0%	19.7%	8%
Leverage Ratio	9.4% +0.2pp YoY -0.3pp QoQ	-1.9pp	11.3%	11.7%	12.6%	21%
Total Capital Ratio	12.1% +0.1pp YoY -0.4pp QoQ	-4.6pp	16.7%	18.2%	20.8%	10%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
Full-Time Employees	416 +17 (+4.3%) YoY +2 (+0.5%) QoQ	+102	313	150	482	79%
Assets per Employee ($)	$4.6M +0.5% YoY +1.0% QoQ	-$5.8M	$10.5M	$6.5M	$8.8M	2%
Branch Count	26 0 YoY 0 QoQ	+6	20	8	18	77%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
Past Due 90+ Days	0.2% +0.1pp YoY -0.1pp QoQ	0.0pp	0.2%	0.9%	0.4%	86%
Nonaccrual	1.2% +0.2pp YoY -0.1pp QoQ	+0.3pp	0.8%	1.5%	1.0%	78%
Allowance Coverage	0.88x -20.8% YoY +10.2% QoQ	-17.83x	18.71x	61.99x	20.23x	19%
Net Charge-off Rate (YTD)	0.4% +0.3pp YoY +0.3pp QoQ	+0.1pp	0.3%	0.2%	0.2%	88%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
ROE	17.7% +1.8pp YoY +0.3pp QoQ	+5.1pp	12.6%	11.9%	11.6%	85%
Cost of Funds (YTD)	2.2% -0.5pp YoY 0.0pp QoQ	+0.3pp	1.9%	1.8%	1.7%	74%
Net Income ($, YTD)	$17.1M +22.3% YoY — QoQ	-$2.1M	$19.2M	$8.7M	$40.4M	64%

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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

#72 of 222 • Top 32.0% 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: 0.70%

(Tier: 0.53%, National: 0.66%)

better than tier avg

Return on Assets: 1.81%

(Tier: 1.39%, National: 1.30%)

better than tier avg

222 of 222 Mid-Market banks match · 923 nationally

→ Stable | QoQ rank improving

Concerns (1)

Capital Thin

risk

#83 of 222 • Bottom 36.9% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature

Tier 1 Capital Ratio: 10.86%

(Tier: 14.84%, National: 17.09%)

worse than tier avg

222 of 222 Mid-Market banks match · 923 nationally

→ Stable | 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 885 peers in $1B-$10B

Top Strengths (3 metrics)

Net Interest Margin

profitability

Value: 5.35%

Peer Median: 3.87%

#30 of 885 Top 3.3% in $1B-$10B

100

Non-Interest Income / Assets

revenue_mix

Value: 0.70%

Peer Median: 0.53%

#100 of 885 Top 11.2% in $1B-$10B

153

Return on Assets

profitability

Value: 1.81%

Peer Median: 1.39%

#153 of 885 Top 17.2% in $1B-$10B

Top Weaknesses (4 metrics)

749

Nonperforming Asset Ratio

credit_quality

Value: 1.23%

Peer Median: 0.67%

#749 of 885 Bottom 15.5% in $1B-$10B

745

Tier 1 Capital Ratio

capital

Value: 10.86%

Peer Median: 14.84%

#745 of 885 Bottom 15.9% in $1B-$10B

710

Delinquency Rate

credit_quality

Value: 1.35%

Peer Median: 0.87%

#710 of 882 Bottom 19.6% in $1B-$10B

671

Loan-to-Deposit Ratio

liquidity

Value: 95.51%

Peer Median: 85.04%

#671 of 885 Bottom 24.3% in $1B-$10B