BlastPoint's Banking Scorecard
Oklahoma Bank and Trust Company
Clinton, OK
4 branches across OK
Oklahoma Bank and Trust Company has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.14% above tier average
- + Efficiency Ratio 13.85% below tier average
- + Delinquency Rate 0.65% below tier average
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 43.0% in tier
- - Net Interest Margin 1.22% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$204.6M
+3.0% YoY
-2.0% QoQ
|
-$181.5M |
$386.1M
+0.5% YoY
|
$1.2B
+6.7% YoY
|
$6.2B
+9.1% YoY
|
28% |
| Total Loans ? |
$73.3M
-0.5% YoY
-1.0% QoQ
|
-$182.5M |
$255.7M
+1.1% YoY
|
$822.6M
+7.2% YoY
|
$3.2B
+10.8% YoY
|
Bottom 8.5% in tier |
| Total Deposits ? |
$176.2M
+2.6% YoY
-2.2% QoQ
|
-$151.8M |
$328.0M
+0.1% YoY
|
$956.7M
+4.7% YoY
|
$4.8B
+8.2% YoY
|
28% |
| Return on Assets ? |
1.41%
+22.0% YoY
+22.2% QoQ
|
+0.14% |
1.27%
+12.9% YoY
|
1.34%
+7.6% YoY
|
1.23%
+13.4% YoY
|
63% |
| Net Interest Margin ? |
2.71%
+12.8% YoY
+5.1% QoQ
|
-1.22% |
3.93%
+6.0% YoY
|
4.25%
+2.4% YoY
|
3.89%
+5.7% YoY
|
Bottom 5.6% in tier |
| Efficiency Ratio ? |
51.44%
-9.1% YoY
-12.3% QoQ
|
-13.85% |
65.29%
-4.5% YoY
|
65.16%
-1.8% YoY
|
66.95%
-4.1% YoY
|
82% |
| Delinquency Rate ? |
0.24%
-58.3% YoY
+215.8% QoQ
|
-0.65% |
0.89%
+18.8% YoY
|
1.61%
+16.3% YoY
|
0.95%
+18.8% YoY
|
61% |
| Loan-to-Deposit Ratio ? |
41.59%
-3.0% YoY
+1.2% QoQ
|
-35.05% |
76.64%
+0.8% YoY
|
73.83%
+1.6% YoY
|
76.70%
+0.9% YoY
|
Top 4.8% in tier |
| Non-Interest-Bearing Deposit Share ? |
20.86%
-8.4% YoY
+11.2% QoQ
|
-1.16% |
22.02%
-1.0% YoY
|
23.68%
-1.7% YoY
|
22.01%
-1.2% YoY
|
49% |
| Nonperforming Asset Ratio ? |
0.09%
-59.8% YoY
-28.0% QoQ
|
-0.55% |
0.64%
+19.7% YoY
|
1.12%
+15.3% YoY
|
0.67%
+19.3% YoY
|
72% |
| Tier 1 Capital Ratio ? |
38.62%
+4.7% YoY
+3.5% QoQ
|
+22.79% |
15.83%
+1.5% YoY
|
14.36%
-1.8% YoY
|
17.06%
+0.8% YoY
|
Top 1.8% in tier |
| Non-Interest Income / Assets ? |
0.08%
+0.2% YoY
-71.4% QoQ
|
-0.20% |
0.28%
+9.3% YoY
|
0.15%
-5.6% YoY
|
0.32%
+4.1% YoY
|
37% |
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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)
Liquidity Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.