BlastPoint

BlastPoint's Banking Scorecard

The City National Bank and Trust Company of Lawton, Oklahoma

$100M-$1B Specialty: Commercial OK FDIC cert 4132

Lawton, OK

39 branches across OK · KS

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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 106 in OK.
  • Deposits +0.2% year over year ($373.9M on the books).
  • Delinquency rate 0.46%.
  • Return on assets 1.66%.
  • Efficiency ratio 82.09% vs a 64.48% peer average.
  • Loan-to-deposit ratio 79.18% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 106 in OK
View $100M-$1B leaderboard (OK) →

The City National Bank and Trust Company of Lawton, Oklahoma has 4 strengths but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Revenue Diversifier: Top 8.5% in tier
  • + ROA 0.33% above tier average
  • + Net Interest Margin 0.10% above tier average
  • + Delinquency Rate 0.46% below tier average

Key Concerns

Areas that may need attention

  • - Nonperforming Asset Ratio 1.91% above tier average
  • - Efficiency Ratio 17.61% above tier average
Get updates when The City National Bank and Trust Company of Lawton, Oklahoma releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
Total Assets ? $446.2M
-0.5% YoY +0.3% QoQ
+$59.7M $386.6M
+1.2% YoY
$1.3B
+6.0% YoY
$6.3B
+7.7% YoY
67%
Total Loans ? $296.1M
-3.7% YoY +0.4% QoQ
+$37.8M $258.3M
+1.7% YoY
$835.5M
+7.1% YoY
$3.2B
+9.4% YoY
66%
Total Deposits ? $373.9M
+0.2% YoY +0.1% QoQ
+$47.2M $326.7M
+0.7% YoY
$967.8M
+5.8% YoY
$4.9B
+7.3% YoY
66%
Return on Assets ? 1.66%
+16.3% YoY +13.4% QoQ
+0.33% 1.32%
+10.8% YoY
1.35%
+7.7% YoY
1.30%
+12.1% YoY
74%
Net Interest Margin ? 4.08%
+3.8% YoY +2.4% QoQ
+0.10% 3.99%
+5.0% YoY
4.27%
+1.9% YoY
3.95%
+4.9% YoY
58%
Efficiency Ratio ? 82.09%
-2.7% YoY -1.7% QoQ
+17.61% 64.48%
-3.2% YoY
64.81%
-3.0% YoY
70.05%
+2.5% YoY
Bottom 11.7% in tier
Delinquency Rate ? 0.46%
-27.7% YoY -46.9% QoQ
-0.46% 0.92%
+15.7% YoY
1.78%
+23.7% YoY
0.98%
+16.3% YoY
48%
Loan-to-Deposit Ratio ? 79.18%
-3.9% YoY +0.3% QoQ
+1.23% 77.95%
+1.0% YoY
74.14%
+1.3% YoY
79.03%
+2.3% YoY
51%
Non-Interest-Bearing Deposit Share ? 23.78%
-2.9% YoY -1.9% QoQ
+1.75% 22.03%
-0.6% YoY
23.91%
-1.8% YoY
21.98%
-0.6% YoY
62%
Nonperforming Asset Ratio ? 2.58%
+4.6% YoY -1.3% QoQ
+1.91% 0.67%
+16.4% YoY
1.24%
+23.1% YoY
0.69%
+15.8% YoY
Bottom 4.5% in tier
Tier 1 Capital Ratio ? 13.87%
+2.1% YoY -0.9% QoQ
-2.04% 15.91%
+1.4% YoY
14.18%
-3.9% YoY
17.09%
+0.8% YoY
56%
Non-Interest Income / Assets ? 3.62%
+2.0% YoY +104.0% QoQ
+3.05% 0.57%
+7.6% YoY
0.31%
-11.7% YoY
0.66%
+5.2% YoY
Top 1.0% in tier

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 23.8%
-0.7pp YoY
-0.5pp QoQ
 +1.6pp 22.1% 23.9% 22.2% 62%
Brokered Deposits n/a n/a 7.9% 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 2.7%
-0.3pp YoY
-1.0pp QoQ
 -8.8pp 11.6% 15.7% 12.5% 9%
CRE 65.4%
+1.1pp YoY
-0.2pp QoQ
 +25.8pp 39.5% 42.0% 41.4% 90%
1-4 Family 27.7%
+2.2pp YoY
+1.2pp QoQ
 -4.9pp 32.6% 24.0% 31.3% 46%
Consumer 2.1%
-0.6pp YoY
-0.1pp QoQ
 -2.0pp 4.1% 5.6% 5.0% 49%

Capital

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 17.0% 19.7% n/a
Leverage Ratio 13.9%
+0.3pp YoY
-0.1pp QoQ
 +1.7pp 12.2% 11.7% 12.6% 81%
Total Capital Ratio n/a n/a 19.9% 18.2% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
Full-Time Employees 342
-15 (-4.2%) YoY
-14 (-3.9%) QoQ
 +283 58 150 482 100%
Assets per Employee ($) $1.3M
+3.9% YoY
+4.4% QoQ
 -$6.2M $7.5M $6.5M $8.8M 0%
Branch Count 39
-1 (-2.5%) YoY
0 QoQ
 +34 4 8 18 100%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
Past Due 90+ Days 0.1%
-0.1pp YoY
 -0.2pp 0.3% 0.9% 0.4% 44%
Nonaccrual 0.4%
-0.1pp YoY
-0.5pp QoQ
 -0.5pp 0.9% 1.5% 1.0% 46%
Allowance Coverage 4.22x
+29.2% YoY
+76.4% QoQ
 -19.93x 24.15x 61.99x 20.23x 66%
Net Charge-off Rate (YTD) 0.6%
+0.3pp YoY
+0.2pp QoQ
 +0.5pp 0.1% 0.2% 0.2% 95%

Profitability

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
ROE 12.6%
+1.7pp YoY
+1.5pp QoQ
 +0.4pp 12.2% 11.9% 11.6% 53%
Cost of Funds (YTD) 1.2%
-0.1pp YoY
0.0pp QoQ
 -0.5pp 1.7% 1.8% 1.7% 20%
Net Income ($, YTD) $3.7M
+16.6% YoY
— QoQ
 +$1.1M $2.6M $8.7M $40.4M 77%

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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Revenue Diversifier

growth
#57 of 661 • Top 8.5% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature
Noninterest Income / Assets: 3.62%
(Tier: 0.57%, National: 0.66%)
better than tier avg
Return on Assets: 1.66%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (1 metrics)

27
Non-Interest Income / Assets
revenue_mix
Value: 3.62%
Peer Median: 0.57%
#27 of 2643 Top 1.0% in $100M-$1B

Top Weaknesses (2 metrics)

2525
Nonperforming Asset Ratio
credit_quality
Value: 2.58%
Peer Median: 0.67%
#2525 of 2643 Bottom 4.5% in $100M-$1B
2334
Efficiency Ratio
profitability
Value: 82.09%
Peer Median: 64.48%
#2334 of 2643 Bottom 11.7% in $100M-$1B
Powered by BlastPoint © 2026