BlastPoint's Banking Scorecard
Bank of Eufaula
Designations: ✓ Community bank
Eufaula, OK
2 branches across OK
Bank of Eufaula has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.93% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.92% below tier average
- - Net Interest Margin 0.40% below tier average
- - Efficiency Ratio 14.49% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$85.3M
-11.1% YoY
-7.3% QoQ
|
+$23.0M |
$62.3M
-0.5% YoY
|
$1.2B
+6.7% YoY
|
$6.2B
+9.0% YoY
|
79% |
| Total Loans ? |
$22.3M
-8.4% YoY
-0.5% QoQ
|
-$12.0M |
$34.3M
-1.5% YoY
|
$822.6M
+7.2% YoY
|
$3.2B
+10.7% YoY
|
32% |
| Total Deposits ? |
$74.9M
-14.0% YoY
-8.0% QoQ
|
+$23.1M |
$51.8M
-0.6% YoY
|
$956.7M
+4.7% YoY
|
$4.8B
+8.0% YoY
|
82% |
| Return on Assets ? |
-0.06%
-143.5% YoY
-223.3% QoQ
|
-0.92% |
0.86%
-3.6% YoY
|
1.34%
+7.6% YoY
|
1.24%
+13.1% YoY
|
Bottom 14.2% in tier |
| Net Interest Margin ? |
3.47%
+4.6% YoY
+0.6% QoQ
|
-0.40% |
3.87%
+2.7% YoY
|
4.25%
+2.4% YoY
|
3.89%
+5.7% YoY
|
30% |
| Efficiency Ratio ? |
102.12%
+14.0% YoY
+4.9% QoQ
|
+14.49% |
87.63%
+2.3% YoY
|
65.16%
-1.8% YoY
|
66.84%
-3.8% YoY
|
Bottom 12.7% in tier |
| Delinquency Rate ? |
0.43%
-94.1% YoY
-61.6% QoQ
|
-0.93% |
1.36%
+33.7% YoY
|
1.61%
+16.3% YoY
|
0.95%
+18.8% YoY
|
49% |
| Loan-to-Deposit Ratio ? |
29.79%
+6.5% YoY
+8.2% QoQ
|
-34.32% |
64.11%
-0.9% YoY
|
73.83%
+1.6% YoY
|
76.69%
+0.9% YoY
|
Top 9.3% in tier |
| Non-Interest-Bearing Deposit Share ? |
35.33%
+10.2% YoY
+10.6% QoQ
|
+11.54% |
23.79%
+0.5% YoY
|
23.68%
-1.7% YoY
|
22.01%
-1.1% YoY
|
Top 13.0% in tier |
| Nonperforming Asset Ratio ? |
0.55%
-77.8% YoY
-16.6% QoQ
|
-0.22% |
0.77%
+28.7% YoY
|
1.12%
+15.3% YoY
|
0.66%
+19.3% YoY
|
37% |
| Tier 1 Capital Ratio ? |
12.24%
+24.8% YoY
+2.9% QoQ
|
-14.53% |
26.77%
+2.0% YoY
|
14.36%
-1.8% YoY
|
17.06%
+0.8% YoY
|
25% |
| Non-Interest Income / Assets ? |
0.09%
-35.8% YoY
-77.9% QoQ
|
-0.58% |
0.67%
+1.6% YoY
|
0.15%
-5.6% YoY
|
0.32%
+4.0% YoY
|
66% |
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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.