BlastPoint's Banking Scorecard
Bank of Eufaula
Designations: ✓ Community bank
Eufaula, 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 -11.3% year over year ($77.0M on the books).
- Delinquency rate 0.47%.
- Return on assets -0.04%.
- Efficiency ratio 101.23% vs a 119.40% peer average.
- Loan-to-deposit ratio 29.53% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Bank of Eufaula has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 14.94% above tier average
- + Efficiency Ratio 18.17% below tier average
- + Delinquency Rate 1.01% below tier average
Key Concerns
Areas that may need attention
- - ROA 1.03% below tier average
- - Net Interest Margin 0.38% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$87.1M
-9.0% YoY
+2.2% QoQ
|
+$24.7M |
$62.4M
-0.0% YoY
|
$1.3B
+6.0% YoY
|
$6.3B
+7.7% YoY
|
82% |
| Total Loans ? |
$22.7M
-2.4% YoY
+1.8% QoQ
|
-$12.2M |
$34.9M
-0.6% YoY
|
$835.5M
+7.1% YoY
|
$3.2B
+9.4% YoY
|
33% |
| Total Deposits ? |
$77.0M
-11.3% YoY
+2.7% QoQ
|
+$25.3M |
$51.6M
-0.2% YoY
|
$967.8M
+5.8% YoY
|
$4.9B
+7.3% YoY
|
Top 12.9% in tier |
| Return on Assets ? |
-0.04%
-139.6% YoY
+42.5% QoQ
|
-1.03% |
1.00%
+3.5% YoY
|
1.35%
+7.7% YoY
|
1.30%
+12.1% YoY
|
Bottom 12.5% in tier |
| Net Interest Margin ? |
3.53%
+0.6% YoY
+1.7% QoQ
|
-0.38% |
3.91%
+2.3% YoY
|
4.27%
+1.9% YoY
|
3.95%
+4.9% YoY
|
31% |
| Efficiency Ratio ? |
101.23%
+8.2% YoY
-0.9% QoQ
|
-18.17% |
119.40%
+49.6% YoY
|
64.81%
-3.0% YoY
|
70.05%
+2.5% YoY
|
Bottom 11.6% in tier |
| Delinquency Rate ? |
0.47%
-82.8% YoY
+7.4% QoQ
|
-1.01% |
1.48%
+31.8% YoY
|
1.78%
+23.7% YoY
|
0.98%
+16.3% YoY
|
51% |
| Loan-to-Deposit Ratio ? |
29.53%
+10.1% YoY
-0.9% QoQ
|
-44.68% |
74.21%
+12.6% YoY
|
74.14%
+1.3% YoY
|
79.03%
+2.3% YoY
|
Top 8.6% in tier |
| Non-Interest-Bearing Deposit Share ? |
38.43%
+20.4% YoY
+8.8% QoQ
|
+14.94% |
23.49%
+0.6% YoY
|
23.91%
-1.8% YoY
|
21.98%
-0.6% YoY
|
Top 9.7% in tier |
| Nonperforming Asset Ratio ? |
0.48%
-59.6% YoY
-14.0% QoQ
|
-0.36% |
0.84%
+23.0% YoY
|
1.24%
+23.1% YoY
|
0.69%
+15.8% YoY
|
40% |
| Tier 1 Capital Ratio ? |
12.09%
+19.6% YoY
-1.2% QoQ
|
-15.03% |
27.13%
+3.0% YoY
|
14.18%
-3.9% YoY
|
17.09%
+0.8% YoY
|
24% |
| Non-Interest Income / Assets ? |
0.21%
-6.9% YoY
+131.3% QoQ
|
-1.17% |
1.38%
+6.3% YoY
|
0.31%
-11.7% YoY
|
0.66%
+5.2% YoY
|
72% |
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 |
38.4%
+6.5pp YoY +3.1pp QoQ |
+13.8pp | 24.6% | 23.9% | 22.2% | 90% |
| 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 |
6.0%
-1.3pp YoY 0.0pp QoQ |
-7.4pp | 13.4% | 15.7% | 12.5% | 27% |
| CRE |
34.4%
+12.3pp YoY +3.1pp QoQ |
+9.1pp | 25.2% | 42.0% | 41.4% | 72% |
| 1-4 Family |
47.7%
-4.3pp YoY -1.3pp QoQ |
+12.7pp | 35.0% | 24.0% | 31.3% | 70% |
| Consumer |
7.3%
-4.2pp YoY -1.3pp QoQ |
-0.4pp | 7.7% | 5.6% | 5.0% | 65% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 38.7% | 17.0% | 19.7% | n/a |
| Leverage Ratio |
12.1%
+2.0pp YoY -0.1pp QoQ |
-5.6pp | 17.7% | 11.7% | 12.6% | 41% |
| Total Capital Ratio | n/a | n/a | 39.7% | 18.2% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
23
0 YoY +1 (+4.5%) QoQ |
+11 | 12 | 150 | 482 | 94% |
| Assets per Employee ($) |
$3.8M
-9.0% YoY -2.2% QoQ |
-$2.4M | $6.2M | $6.5M | $8.8M | 16% |
| Branch Count |
2
0 YoY 0 QoQ |
+0 | 1 | 8 | 18 | 63% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 1.0% | 0.9% | 0.4% | n/a |
| Nonaccrual |
0.5%
-2.2pp YoY 0.0pp QoQ |
-1.3pp | 1.7% | 1.5% | 1.0% | 38% |
| Allowance Coverage |
4.79x
+444.9% YoY -8.5% QoQ |
-1.62x | 6.41x | 61.99x | 20.23x | 79% |
| Net Charge-off Rate (YTD) |
0.0%
-0.6pp YoY 0.0pp QoQ |
-0.1pp | 0.2% | 0.2% | 0.2% | 48% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
-0.3%
-1.5pp YoY +0.2pp QoQ |
-6.7pp | 6.4% | 11.9% | 11.6% | 12% |
| Cost of Funds (YTD) |
0.5%
+0.2pp YoY 0.0pp QoQ |
-0.9pp | 1.4% | 1.8% | 1.7% | 7% |
| Net Income ($, YTD) |
$-16000.0
-135.6% YoY — QoQ |
-$334K | $317,817 | $8.7M | $40.4M | 12% |
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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.