BlastPoint's Banking Scorecard
The City National Bank and Trust Company of Lawton, Oklahoma
Lawton, OK
39 branches across OK · KS
The City National Bank and Trust Company of Lawton, Oklahoma has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 10.8% in tier
- + ROA 0.19% above tier average
- + Net Interest Margin 0.05% above tier average
Key Concerns
Areas that may need attention
- - Nonperforming Asset Ratio 1.97% above tier average
- - Efficiency Ratio 18.21% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$445.1M
-0.3% YoY
+2.4% QoQ
|
+$59.0M |
$386.1M
+0.5% YoY
|
$1.2B
+6.7% YoY
|
$6.2B
+9.1% YoY
|
67% |
| Total Loans ? |
$295.0M
-5.6% YoY
-0.7% QoQ
|
+$39.3M |
$255.7M
+1.1% YoY
|
$822.6M
+7.2% YoY
|
$3.2B
+10.8% YoY
|
67% |
| Total Deposits ? |
$373.6M
+0.4% YoY
+3.2% QoQ
|
+$45.6M |
$328.0M
+0.1% YoY
|
$956.7M
+4.7% YoY
|
$4.8B
+8.2% YoY
|
66% |
| Return on Assets ? |
1.46%
+18.1% YoY
-16.8% QoQ
|
+0.19% |
1.27%
+12.9% YoY
|
1.34%
+7.6% YoY
|
1.23%
+13.4% YoY
|
65% |
| Net Interest Margin ? |
3.99%
+2.7% YoY
-2.9% QoQ
|
+0.05% |
3.93%
+6.0% YoY
|
4.25%
+2.4% YoY
|
3.89%
+5.7% YoY
|
56% |
| Efficiency Ratio ? |
83.49%
-3.0% YoY
+2.4% QoQ
|
+18.21% |
65.29%
-4.5% YoY
|
65.16%
-1.8% YoY
|
66.95%
-4.1% YoY
|
Bottom 11.6% in tier |
| Delinquency Rate ? |
0.87%
-14.4% YoY
+41.2% QoQ
|
-0.02% |
0.89%
+18.8% YoY
|
1.61%
+16.3% YoY
|
0.95%
+18.8% YoY
|
32% |
| Loan-to-Deposit Ratio ? |
78.96%
-6.0% YoY
-3.8% QoQ
|
+2.32% |
76.64%
+0.8% YoY
|
73.83%
+1.6% YoY
|
76.70%
+0.9% YoY
|
49% |
| Non-Interest-Bearing Deposit Share ? |
24.24%
-7.6% YoY
-2.8% QoQ
|
+2.22% |
22.02%
-1.0% YoY
|
23.68%
-1.7% YoY
|
22.01%
-1.2% YoY
|
64% |
| Nonperforming Asset Ratio ? |
2.61%
+7.9% YoY
+4.5% QoQ
|
+1.97% |
0.64%
+19.7% YoY
|
1.12%
+15.3% YoY
|
0.67%
+19.3% YoY
|
Bottom 4.1% in tier |
| Tier 1 Capital Ratio ? |
13.99%
+2.7% YoY
+0.7% QoQ
|
-1.84% |
15.83%
+1.5% YoY
|
14.36%
-1.8% YoY
|
17.06%
+0.8% YoY
|
57% |
| Non-Interest Income / Assets ? |
1.77%
+2.1% YoY
-76.5% QoQ
|
+1.49% |
0.28%
+9.3% YoY
|
0.15%
-5.6% YoY
|
0.32%
+4.1% YoY
|
Top 1.1% in tier |
Get Full Access to The City National Bank and Trust Company of Lawton, Oklahoma
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
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 (1)
Revenue Diversifier
growthTop-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.