BlastPoint's Banking Scorecard
Southwest Bank of Weatherford
Designations: ✓ Community bank
Weatherford, 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 +11.9% year over year ($75.0M on the books).
- Delinquency rate 2.51%.
- Return on assets 1.36%.
- Efficiency ratio 58.13% vs a 119.40% peer average.
- Loan-to-deposit ratio 61.14% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Southwest Bank of Weatherford has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.37% above tier average
- + Net Interest Margin 0.17% above tier average
- + Efficiency Ratio 61.26% below tier average
Key Concerns
Areas that may need attention
- - Delinquency Rate 1.03% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$86.0M
+10.4% YoY
+3.7% QoQ
|
+$23.6M |
$62.4M
-0.0% YoY
|
$1.3B
+6.0% YoY
|
$6.3B
+7.7% YoY
|
79% |
| Total Loans ? |
$45.8M
-2.4% YoY
-6.9% QoQ
|
+$11.0M |
$34.9M
-0.6% YoY
|
$835.5M
+7.1% YoY
|
$3.2B
+9.4% YoY
|
71% |
| Total Deposits ? |
$75.0M
+11.9% YoY
+3.9% QoQ
|
+$23.4M |
$51.6M
-0.2% YoY
|
$967.8M
+5.8% YoY
|
$4.9B
+7.3% YoY
|
84% |
| Return on Assets ? |
1.36%
+7.4% YoY
+0.2% QoQ
|
+0.37% |
1.00%
+3.5% YoY
|
1.35%
+7.7% YoY
|
1.30%
+12.1% YoY
|
70% |
| Net Interest Margin ? |
4.08%
-3.6% YoY
-0.3% QoQ
|
+0.17% |
3.91%
+2.3% YoY
|
4.27%
+1.9% YoY
|
3.95%
+4.9% YoY
|
60% |
| Efficiency Ratio ? |
58.13%
-6.5% YoY
+0.3% QoQ
|
-61.26% |
119.40%
+49.6% YoY
|
64.81%
-3.0% YoY
|
70.05%
+2.5% YoY
|
76% |
| Delinquency Rate ? |
2.51%
+2.5% YoY
+6.2% QoQ
|
+1.03% |
1.48%
+31.8% YoY
|
1.78%
+23.7% YoY
|
0.98%
+16.3% YoY
|
16% |
| Loan-to-Deposit Ratio ? |
61.14%
-12.8% YoY
-10.5% QoQ
|
-13.07% |
74.21%
+12.6% YoY
|
74.14%
+1.3% YoY
|
79.03%
+2.3% YoY
|
58% |
| Non-Interest-Bearing Deposit Share ? |
30.96%
+3.3% YoY
+7.3% QoQ
|
+7.47% |
23.49%
+0.6% YoY
|
23.91%
-1.8% YoY
|
21.98%
-0.6% YoY
|
77% |
| Nonperforming Asset Ratio ? |
1.34%
-9.4% YoY
-4.7% QoQ
|
+0.50% |
0.84%
+23.0% YoY
|
1.24%
+23.1% YoY
|
0.69%
+15.8% YoY
|
19% |
| Tier 1 Capital Ratio ? |
25.73%
+3.7% YoY
+7.5% QoQ
|
-1.39% |
27.13%
+3.0% YoY
|
14.18%
-3.9% YoY
|
17.09%
+0.8% YoY
|
80% |
| Non-Interest Income / Assets ? |
0.21%
-11.9% YoY
+110.6% QoQ
|
-1.17% |
1.38%
+6.3% YoY
|
0.31%
-11.7% YoY
|
0.66%
+5.2% YoY
|
71% |
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 |
31.0%
+1.0pp YoY +2.1pp QoQ |
+6.3pp | 24.6% | 23.9% | 22.2% | 76% |
| Brokered Deposits | n/a | n/a | 9.8% | 9.7% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
7.4%
+0.3pp YoY +1.3pp QoQ |
-6.0pp | 13.4% | 15.7% | 12.5% | 36% |
| CRE |
38.9%
-3.0pp YoY -0.6pp QoQ |
+13.7pp | 25.2% | 42.0% | 41.4% | 82% |
| 1-4 Family |
29.7%
+3.3pp YoY +1.1pp QoQ |
-5.3pp | 35.0% | 24.0% | 31.3% | 48% |
| Consumer |
7.1%
-0.9pp YoY +0.4pp QoQ |
-0.5pp | 7.7% | 5.6% | 5.0% | 64% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
25.7%
+0.9pp YoY +1.8pp QoQ |
-13.0pp | 38.7% | 17.0% | 19.7% | 65% |
| Leverage Ratio |
13.5%
-0.9pp YoY -0.3pp QoQ |
-4.2pp | 17.7% | 11.7% | 12.6% | 57% |
| Total Capital Ratio |
27.0%
+0.9pp YoY +1.8pp QoQ |
-12.7pp | 39.7% | 18.2% | 20.8% | 65% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
14
+1 (+7.7%) YoY 0 QoQ |
+2 | 12 | 150 | 482 | 67% |
| Assets per Employee ($) |
$6.1M
+2.5% YoY +3.7% QoQ |
-$44K | $6.2M | $6.5M | $8.8M | 54% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 8 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 1.0% | 0.9% | 0.4% | n/a |
| Nonaccrual |
2.5%
+0.8pp YoY +0.5pp QoQ |
+0.8pp | 1.7% | 1.5% | 1.0% | 82% |
| Allowance Coverage |
0.71x
+3.5% YoY +0.5% QoQ |
-5.70x | 6.41x | 61.99x | 20.23x | 34% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 0.2% | 0.2% | 0.2% | 47% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
10.3%
+1.1pp YoY +0.2pp QoQ |
+3.9pp | 6.4% | 11.9% | 11.6% | 64% |
| Cost of Funds (YTD) |
1.6%
0.0pp YoY 0.0pp QoQ |
+0.2pp | 1.4% | 1.8% | 1.7% | 61% |
| Net Income ($, YTD) |
$563,000
+14.2% YoY — QoQ |
+$245K | $317,817 | $8.7M | $40.4M | 80% |
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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.