BlastPoint's Banking Scorecard
Sooner State Bank
Tuttle, OK
7 branches across OK
Sooner State Bank has 4 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.07% above tier average
- + ROA 0.81% above tier average
- + Efficiency Ratio 11.26% below tier average
- + Delinquency Rate 0.58% below tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 39.8% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$339.3M
+5.8% YoY
+2.5% QoQ
|
-$46.8M |
$386.1M
+0.5% YoY
|
$1.2B
+6.7% YoY
|
$6.2B
+9.1% YoY
|
52% |
| Total Loans ? |
$228.7M
+14.0% YoY
+0.4% QoQ
|
-$27.0M |
$255.7M
+1.1% YoY
|
$822.6M
+7.2% YoY
|
$3.2B
+10.8% YoY
|
55% |
| Total Deposits ? |
$296.0M
+6.5% YoY
+4.1% QoQ
|
-$32.0M |
$328.0M
+0.1% YoY
|
$956.7M
+4.7% YoY
|
$4.8B
+8.2% YoY
|
54% |
| Return on Assets ? |
2.08%
+5.5% YoY
+7.1% QoQ
|
+0.81% |
1.27%
+12.9% YoY
|
1.34%
+7.6% YoY
|
1.23%
+13.4% YoY
|
Top 11.0% in tier |
| Net Interest Margin ? |
5.00%
+4.4% YoY
+1.5% QoQ
|
+1.07% |
3.93%
+6.0% YoY
|
4.25%
+2.4% YoY
|
3.89%
+5.7% YoY
|
Top 7.2% in tier |
| Efficiency Ratio ? |
54.03%
-4.4% YoY
-4.0% QoQ
|
-11.26% |
65.29%
-4.5% YoY
|
65.16%
-1.8% YoY
|
66.95%
-4.1% YoY
|
76% |
| Delinquency Rate ? |
0.31%
-68.7% QoQ
|
-0.58% |
0.89%
+18.8% YoY
|
1.61%
+16.3% YoY
|
0.95%
+18.8% YoY
|
56% |
| Loan-to-Deposit Ratio ? |
77.27%
+7.0% YoY
-3.5% QoQ
|
+0.64% |
76.64%
+0.8% YoY
|
73.83%
+1.6% YoY
|
76.70%
+0.9% YoY
|
52% |
| Non-Interest-Bearing Deposit Share ? |
24.74%
-9.9% YoY
-5.9% QoQ
|
+2.72% |
22.02%
-1.0% YoY
|
23.68%
-1.7% YoY
|
22.01%
-1.2% YoY
|
65% |
| Nonperforming Asset Ratio ? |
0.21%
-69.3% QoQ
|
-0.43% |
0.64%
+19.7% YoY
|
1.12%
+15.3% YoY
|
0.67%
+19.3% YoY
|
59% |
| Tier 1 Capital Ratio ? |
13.08%
+1.5% YoY
+3.5% QoQ
|
-2.75% |
15.83%
+1.5% YoY
|
14.36%
-1.8% YoY
|
17.06%
+0.8% YoY
|
48% |
| Non-Interest Income / Assets ? |
0.08%
-10.6% YoY
-77.4% QoQ
|
-0.20% |
0.28%
+9.3% YoY
|
0.15%
-5.6% YoY
|
0.32%
+4.1% YoY
|
41% |
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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 (0)
Concerns (1)
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.