BlastPoint's Banking Scorecard
The Peoples National Bank of Checotah
Checotah, OK
3 branches across OK
The Peoples National Bank of Checotah has 3 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.08% above tier average
- + Efficiency Ratio 1.60% below tier average
- + Delinquency Rate 0.59% below tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 21.6% in tier
- - Deposit Outflow: Bottom 37.1% in tier
- - Net Interest Margin 0.70% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$172.5M
+0.1% YoY
+2.1% QoQ
|
-$213.5M |
$386.1M
+0.5% YoY
|
$1.2B
+6.7% YoY
|
$6.2B
+9.1% YoY
|
20% |
| Total Loans ? |
$44.8M
-1.2% YoY
-1.9% QoQ
|
-$210.9M |
$255.7M
+1.1% YoY
|
$822.6M
+7.2% YoY
|
$3.2B
+10.8% YoY
|
Bottom 2.1% in tier |
| Total Deposits ? |
$139.8M
-1.6% YoY
+2.3% QoQ
|
-$188.2M |
$328.0M
+0.1% YoY
|
$956.7M
+4.7% YoY
|
$4.8B
+8.2% YoY
|
18% |
| Return on Assets ? |
1.35%
+21.8% YoY
+10.2% QoQ
|
+0.08% |
1.27%
+12.9% YoY
|
1.34%
+7.6% YoY
|
1.23%
+13.4% YoY
|
58% |
| Net Interest Margin ? |
3.23%
+7.7% YoY
+2.4% QoQ
|
-0.70% |
3.93%
+6.0% YoY
|
4.25%
+2.4% YoY
|
3.89%
+5.7% YoY
|
19% |
| Efficiency Ratio ? |
63.69%
-6.1% YoY
-2.2% QoQ
|
-1.60% |
65.29%
-4.5% YoY
|
65.16%
-1.8% YoY
|
66.95%
-4.1% YoY
|
49% |
| Delinquency Rate ? |
0.30%
+36.0% YoY
-27.5% QoQ
|
-0.59% |
0.89%
+18.8% YoY
|
1.61%
+16.3% YoY
|
0.95%
+18.8% YoY
|
57% |
| Loan-to-Deposit Ratio ? |
32.06%
+0.4% YoY
-4.1% QoQ
|
-44.58% |
76.64%
+0.8% YoY
|
73.83%
+1.6% YoY
|
76.70%
+0.9% YoY
|
Top 2.1% in tier |
| Non-Interest-Bearing Deposit Share ? |
29.89%
-4.0% YoY
-2.3% QoQ
|
+7.87% |
22.02%
-1.0% YoY
|
23.68%
-1.7% YoY
|
22.01%
-1.2% YoY
|
81% |
| Nonperforming Asset Ratio ? |
0.08%
+34.2% YoY
-30.3% QoQ
|
-0.56% |
0.64%
+19.7% YoY
|
1.12%
+15.3% YoY
|
0.67%
+19.3% YoY
|
74% |
| Tier 1 Capital Ratio ? |
43.31%
+3.9% YoY
+0.8% QoQ
|
+27.48% |
15.83%
+1.5% YoY
|
14.36%
-1.8% YoY
|
17.06%
+0.8% YoY
|
Top 1.1% in tier |
| Non-Interest Income / Assets ? |
0.19%
+4.7% YoY
-75.7% QoQ
|
-0.09% |
0.28%
+9.3% YoY
|
0.15%
-5.6% YoY
|
0.32%
+4.1% YoY
|
84% |
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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 (2)
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Deposit Outflow
declineDeposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.