BlastPoint's Banking Scorecard
AllNations Bank
Designations: ✓ Community bank ✓ Minority Depository Institution
Calumet, OK
2 branches across OK
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 536 banks in the under $100M peer group nationwide — 1 of 39 in OK.
- Deposits +13.8% year over year ($76.9M on the books).
- Delinquency rate 8.03%.
- Return on assets 1.17%.
- Efficiency ratio 62.89% vs a 119.40% peer average.
- Loan-to-deposit ratio 65.22% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
AllNations Bank has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.17% above tier average
- + Net Interest Margin 0.74% above tier average
- + Efficiency Ratio 56.50% below tier average
Key Concerns
Areas that may need attention
- - Delinquency Rate 6.55% above tier average
- - Nonperforming Asset Ratio 3.93% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$84.5M
+13.7% YoY
-2.5% QoQ
|
+$22.1M |
$62.4M
-0.0% YoY
|
$1.3B
+6.0% YoY
|
$6.3B
+7.7% YoY
|
77% |
| Total Loans ? |
$50.1M
+24.8% YoY
+1.9% QoQ
|
+$15.3M |
$34.9M
-0.6% YoY
|
$835.5M
+7.1% YoY
|
$3.2B
+9.4% YoY
|
76% |
| Total Deposits ? |
$76.9M
+13.8% YoY
-2.7% QoQ
|
+$25.3M |
$51.6M
-0.2% YoY
|
$967.8M
+5.8% YoY
|
$4.9B
+7.3% YoY
|
Top 13.1% in tier |
| Return on Assets ? |
1.17%
+9.9% YoY
-9.0% QoQ
|
+0.17% |
1.00%
+3.5% YoY
|
1.35%
+7.7% YoY
|
1.30%
+12.1% YoY
|
60% |
| Net Interest Margin ? |
4.65%
+0.1% YoY
-2.2% QoQ
|
+0.74% |
3.91%
+2.3% YoY
|
4.27%
+1.9% YoY
|
3.95%
+4.9% YoY
|
78% |
| Efficiency Ratio ? |
62.89%
-2.8% YoY
+4.4% QoQ
|
-56.50% |
119.40%
+49.6% YoY
|
64.81%
-3.0% YoY
|
70.05%
+2.5% YoY
|
68% |
| Delinquency Rate ? |
8.03%
+21.0% YoY
-4.4% QoQ
|
+6.55% |
1.48%
+31.8% YoY
|
1.78%
+23.7% YoY
|
0.98%
+16.3% YoY
|
Bottom 3.3% in tier |
| Loan-to-Deposit Ratio ? |
65.22%
+9.6% YoY
+4.7% QoQ
|
-8.99% |
74.21%
+12.6% YoY
|
74.14%
+1.3% YoY
|
79.03%
+2.3% YoY
|
51% |
| Non-Interest-Bearing Deposit Share ? |
12.61%
-17.3% YoY
-2.8% QoQ
|
-10.88% |
23.49%
+0.6% YoY
|
23.91%
-1.8% YoY
|
21.98%
-0.6% YoY
|
20% |
| Nonperforming Asset Ratio ? |
4.76%
+32.8% YoY
-0.1% QoQ
|
+3.93% |
0.84%
+23.0% YoY
|
1.24%
+23.1% YoY
|
0.69%
+15.8% YoY
|
Bottom 3.2% in tier |
| Tier 1 Capital Ratio ? |
13.99%
-6.7% YoY
+6.2% QoQ
|
-13.13% |
27.13%
+3.0% YoY
|
14.18%
-3.9% YoY
|
17.09%
+0.8% YoY
|
40% |
| Non-Interest Income / Assets ? |
0.09%
+4.4% YoY
+99.8% QoQ
|
-1.29% |
1.38%
+6.3% YoY
|
0.31%
-11.7% YoY
|
0.66%
+5.2% YoY
|
35% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 |
12.6%
-2.6pp YoY -0.4pp QoQ |
-12.0pp | 24.6% | 23.9% | 22.2% | 16% |
| Brokered Deposits |
23.5%
+3.6pp YoY -3.4pp QoQ |
+13.8pp | 9.8% | 9.7% | 8.5% | 90% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
25.6%
+1.5pp YoY +4.6pp QoQ |
+12.2pp | 13.4% | 15.7% | 12.5% | 86% |
| CRE |
24.0%
+11.3pp YoY -4.1pp QoQ |
-1.2pp | 25.2% | 42.0% | 41.4% | 60% |
| 1-4 Family |
10.3%
0.0pp YoY 0.0pp QoQ |
-24.7pp | 35.0% | 24.0% | 31.3% | 22% |
| Consumer |
3.0%
-1.0pp YoY -0.5pp QoQ |
-4.6pp | 7.7% | 5.6% | 5.0% | 32% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
14.0%
-1.0pp YoY +0.8pp QoQ |
-24.7pp | 38.7% | 17.0% | 19.7% | 16% |
| Leverage Ratio |
8.3%
-0.2pp YoY 0.0pp QoQ |
-9.4pp | 17.7% | 11.7% | 12.6% | 5% |
| Total Capital Ratio |
15.3%
-1.0pp YoY +0.8pp QoQ |
-24.4pp | 39.7% | 18.2% | 20.8% | 16% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
11
+1 (+10.0%) YoY 0 QoQ |
-1 | 12 | 150 | 482 | 50% |
| Assets per Employee ($) |
$7.7M
+3.4% YoY -2.5% QoQ |
+$1.5M | $6.2M | $6.5M | $8.8M | 75% |
| Branch Count |
2
0 YoY 0 QoQ |
+0 | 1 | 8 | 18 | 63% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
-2.1pp YoY -0.9pp QoQ |
-1.0pp | 1.0% | 0.9% | 0.4% | 0% |
| Nonaccrual |
8.0%
+3.4pp YoY +0.6pp QoQ |
+6.3pp | 1.7% | 1.5% | 1.0% | 96% |
| Allowance Coverage |
0.25x
-27.8% YoY +6.6% QoQ |
-6.16x | 6.41x | 61.99x | 20.23x | 4% |
| Net Charge-off Rate (YTD) | -0.0% | -0.2pp | 0.2% | 0.2% | 0.2% | 29% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
14.3%
+1.6pp YoY -1.4pp QoQ |
+7.9pp | 6.4% | 11.9% | 11.6% | 82% |
| Cost of Funds (YTD) |
1.8%
-0.4pp YoY 0.0pp QoQ |
+0.3pp | 1.4% | 1.8% | 1.7% | 73% |
| Net Income ($, YTD) |
$484,000
+27.4% YoY — QoQ |
+$166K | $317,817 | $8.7M | $40.4M | 73% |
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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 (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.