BlastPoint's Banking Scorecard
Great Plains National Bank
Designations: ✓ Community bank
Elk City, OK
26 branches across OK · TX
Great Plains National Bank has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 33.9% in tier
- + Profitability Leader: Top 36.2% in tier
- + Net Interest Margin 1.53% above tier average
Key Concerns
Areas that may need attention
- - Efficiency Ratio 3.46% above tier average
- - Delinquency Rate 0.73% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.9B
+7.4% YoY
+2.7% QoQ
|
-$915.6M |
$2.8B
-0.1% YoY
|
$1.2B
+6.7% YoY
|
$6.2B
+9.1% YoY
|
47% |
| Total Loans ? |
$1.6B
+13.4% YoY
+1.6% QoQ
|
-$377.8M |
$2.0B
+0.6% YoY
|
$822.6M
+7.2% YoY
|
$3.2B
+10.8% YoY
|
56% |
| Total Deposits ? |
$1.7B
+6.9% YoY
+2.7% QoQ
|
-$664.5M |
$2.3B
-0.3% YoY
|
$956.7M
+4.7% YoY
|
$4.8B
+8.2% YoY
|
50% |
| Return on Assets ? |
1.80%
+33.1% YoY
+4.1% QoQ
|
+0.43% |
1.37%
+19.6% YoY
|
1.34%
+7.6% YoY
|
1.23%
+13.4% YoY
|
84% |
| Net Interest Margin ? |
5.35%
+4.3% YoY
-1.4% QoQ
|
+1.53% |
3.82%
+6.9% YoY
|
4.25%
+2.4% YoY
|
3.89%
+5.7% YoY
|
Top 3.5% in tier |
| Efficiency Ratio ? |
64.52%
-7.8% YoY
-0.2% QoQ
|
+3.46% |
61.06%
-4.6% YoY
|
65.16%
-1.8% YoY
|
66.95%
-4.1% YoY
|
35% |
| Delinquency Rate ? |
1.62%
+33.9% YoY
+2.6% QoQ
|
+0.73% |
0.89%
+14.1% YoY
|
1.61%
+16.3% YoY
|
0.95%
+18.8% YoY
|
Bottom 13.6% in tier |
| Loan-to-Deposit Ratio ? |
94.53%
+6.1% YoY
-1.1% QoQ
|
+10.33% |
84.20%
+0.3% YoY
|
73.83%
+1.6% YoY
|
76.70%
+0.9% YoY
|
25% |
| Non-Interest-Bearing Deposit Share ? |
18.47%
+3.8% YoY
-1.9% QoQ
|
-2.81% |
21.29%
-2.5% YoY
|
23.68%
-1.7% YoY
|
22.01%
-1.2% YoY
|
43% |
| Nonperforming Asset Ratio ? |
1.38%
+22.3% YoY
+1.1% QoQ
|
+0.71% |
0.67%
+15.6% YoY
|
1.12%
+15.3% YoY
|
0.67%
+19.3% YoY
|
Bottom 11.7% in tier |
| Tier 1 Capital Ratio ? |
11.24%
+0.6% YoY
+2.2% QoQ
|
-3.92% |
15.16%
+2.0% YoY
|
14.36%
-1.8% YoY
|
17.06%
+0.8% YoY
|
20% |
| Non-Interest Income / Assets ? |
0.33%
+17.4% YoY
-75.8% QoQ
|
+0.07% |
0.26%
+1.6% YoY
|
0.15%
-5.6% YoY
|
0.32%
+4.1% YoY
|
Top 11.3% 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.
Profitability Leader
growthTop-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.