BlastPoint's Banking Scorecard
1st Bank in Hominy
Designations: ✓ Community bank
Hominy, 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 +5.4% year over year ($41.6M on the books).
- Delinquency rate 0.09%.
- Return on assets 1.23%.
- Efficiency ratio 69.59% vs a 119.40% peer average.
- Loan-to-deposit ratio 41.88% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
1st Bank in Hominy shows strong momentum with 4 strengths and 6.5% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.23% above tier average
- + Net Interest Margin 0.71% above tier average
- + Efficiency Ratio 49.80% below tier average
- + Delinquency Rate 1.39% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$45.3M
+6.5% YoY
+1.7% QoQ
|
-$17.2M |
$62.4M
-0.0% YoY
|
$1.3B
+6.0% YoY
|
$6.3B
+7.7% YoY
|
27% |
| Total Loans ? |
$17.4M
+12.0% YoY
+2.3% QoQ
|
-$17.5M |
$34.9M
-0.6% YoY
|
$835.5M
+7.1% YoY
|
$3.2B
+9.4% YoY
|
23% |
| Total Deposits ? |
$41.6M
+5.4% YoY
+1.4% QoQ
|
-$10.0M |
$51.6M
-0.2% YoY
|
$967.8M
+5.8% YoY
|
$4.9B
+7.3% YoY
|
33% |
| Return on Assets ? |
1.23%
+121.3% YoY
-6.8% QoQ
|
+0.23% |
1.00%
+3.5% YoY
|
1.35%
+7.7% YoY
|
1.30%
+12.1% YoY
|
64% |
| Net Interest Margin ? |
4.63%
+6.2% YoY
-1.7% QoQ
|
+0.71% |
3.91%
+2.3% YoY
|
4.27%
+1.9% YoY
|
3.95%
+4.9% YoY
|
77% |
| Efficiency Ratio ? |
69.59%
-0.8% YoY
+1.5% QoQ
|
-49.80% |
119.40%
+49.6% YoY
|
64.81%
-3.0% YoY
|
70.05%
+2.5% YoY
|
53% |
| Delinquency Rate ? |
0.09%
-60.3% YoY
-59.9% QoQ
|
-1.39% |
1.48%
+31.8% YoY
|
1.78%
+23.7% YoY
|
0.98%
+16.3% YoY
|
65% |
| Loan-to-Deposit Ratio ? |
41.88%
+6.3% YoY
+0.9% QoQ
|
-32.33% |
74.21%
+12.6% YoY
|
74.14%
+1.3% YoY
|
79.03%
+2.3% YoY
|
81% |
| Non-Interest-Bearing Deposit Share ? |
28.80%
+1.1% YoY
+0.7% QoQ
|
+5.31% |
23.49%
+0.6% YoY
|
23.91%
-1.8% YoY
|
21.98%
-0.6% YoY
|
71% |
| Nonperforming Asset Ratio ? |
0.04%
-75.0% YoY
-78.4% QoQ
|
-0.80% |
0.84%
+23.0% YoY
|
1.24%
+23.1% YoY
|
0.69%
+15.8% YoY
|
67% |
| Tier 1 Capital Ratio ? |
9.47%
-59.0% YoY
+1.5% QoQ
|
-17.66% |
27.13%
+3.0% YoY
|
14.18%
-3.9% YoY
|
17.09%
+0.8% YoY
|
Bottom 3.2% in tier |
| Non-Interest Income / Assets ? |
0.17%
-10.8% YoY
+73.8% QoQ
|
-1.21% |
1.38%
+6.3% YoY
|
0.31%
-11.7% YoY
|
0.66%
+5.2% YoY
|
63% |
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 |
28.8%
+0.3pp YoY +0.2pp QoQ |
+4.2pp | 24.6% | 23.9% | 22.2% | 69% |
| 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 |
33.9%
+4.2pp YoY +0.3pp QoQ |
+20.5pp | 13.4% | 15.7% | 12.5% | 94% |
| CRE | n/a | n/a | 25.2% | 42.0% | 41.4% | n/a |
| 1-4 Family |
24.8%
+4.7pp YoY +2.1pp QoQ |
-10.2pp | 35.0% | 24.0% | 31.3% | 43% |
| Consumer |
13.5%
+1.8pp YoY +0.1pp QoQ |
+5.9pp | 7.7% | 5.6% | 5.0% | 87% |
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 |
9.5%
+0.6pp YoY +0.1pp QoQ |
-8.2pp | 17.7% | 11.7% | 12.6% | 13% |
| 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 |
13
0 YoY 0 QoQ |
+1 | 12 | 150 | 482 | 62% |
| Assets per Employee ($) |
$3.5M
+6.5% YoY +1.7% QoQ |
-$2.7M | $6.2M | $6.5M | $8.8M | 12% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 8 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
0.0pp YoY -0.1pp QoQ |
-1.0pp | 1.0% | 0.9% | 0.4% | 4% |
| Nonaccrual |
0.1%
-0.1pp YoY 0.0pp QoQ |
-1.7pp | 1.7% | 1.5% | 1.0% | 10% |
| Allowance Coverage |
14.69x
+228.4% YoY +171.5% QoQ |
+8.28x | 6.41x | 61.99x | 20.23x | 91% |
| Net Charge-off Rate (YTD) |
-0.0%
-0.5pp YoY 0.0pp QoQ |
-0.2pp | 0.2% | 0.2% | 0.2% | 27% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
15.7%
+6.8pp YoY -1.1pp QoQ |
+9.3pp | 6.4% | 11.9% | 11.6% | 86% |
| Cost of Funds (YTD) |
1.2%
-0.2pp YoY 0.0pp QoQ |
-0.2pp | 1.4% | 1.8% | 1.7% | 37% |
| Net Income ($, YTD) |
$272,000
+128.6% YoY — QoQ |
-$46K | $317,817 | $8.7M | $40.4M | 47% |
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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.