BlastPoint's Banking Scorecard
The Bank, National Association
Mcalester, OK
6 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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 106 in OK.
- Deposits +7.3% year over year ($442.8M on the books).
- Delinquency rate 1.31%.
- Return on assets 1.63%.
- Efficiency ratio 61.95% vs a 64.48% peer average.
- Loan-to-deposit ratio 73.83% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
The Bank, National Association has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.31% above tier average
- + Net Interest Margin 0.35% above tier average
- + Efficiency Ratio 2.53% below tier average
Key Concerns
Areas that may need attention
- - Non-Interest-Bearing Deposit Share 13.95% below tier average
- - Delinquency Rate 0.39% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$488.1M
+7.9% YoY
+1.2% QoQ
|
+$101.5M |
$386.6M
+1.2% YoY
|
$1.3B
+6.0% YoY
|
$6.3B
+7.7% YoY
|
71% |
| Total Loans ? |
$326.9M
+26.2% YoY
+12.6% QoQ
|
+$68.5M |
$258.3M
+1.7% YoY
|
$835.5M
+7.1% YoY
|
$3.2B
+9.4% YoY
|
71% |
| Total Deposits ? |
$442.8M
+7.3% YoY
+0.7% QoQ
|
+$116.0M |
$326.7M
+0.7% YoY
|
$967.8M
+5.8% YoY
|
$4.9B
+7.3% YoY
|
74% |
| Return on Assets ? |
1.63%
+8.1% YoY
+20.3% QoQ
|
+0.31% |
1.32%
+10.8% YoY
|
1.35%
+7.7% YoY
|
1.30%
+12.1% YoY
|
72% |
| Net Interest Margin ? |
4.34%
+15.2% YoY
+2.8% QoQ
|
+0.35% |
3.99%
+5.0% YoY
|
4.27%
+1.9% YoY
|
3.95%
+4.9% YoY
|
72% |
| Efficiency Ratio ? |
61.95%
-4.1% YoY
-2.3% QoQ
|
-2.53% |
64.48%
-3.2% YoY
|
64.81%
-3.0% YoY
|
70.05%
+2.5% YoY
|
51% |
| Delinquency Rate ? |
1.31%
+71.4% YoY
-17.8% QoQ
|
+0.39% |
0.92%
+15.7% YoY
|
1.78%
+23.7% YoY
|
0.98%
+16.3% YoY
|
22% |
| Loan-to-Deposit Ratio ? |
73.83%
+17.7% YoY
+11.8% QoQ
|
-4.12% |
77.95%
+1.0% YoY
|
74.14%
+1.3% YoY
|
79.03%
+2.3% YoY
|
62% |
| Non-Interest-Bearing Deposit Share ? |
8.08%
-4.5% YoY
-4.5% QoQ
|
-13.95% |
22.03%
-0.6% YoY
|
23.91%
-1.8% YoY
|
21.98%
-0.6% YoY
|
Bottom 7.2% in tier |
| Nonperforming Asset Ratio ? |
0.88%
+100.6% YoY
-8.5% QoQ
|
+0.21% |
0.67%
+16.4% YoY
|
1.24%
+23.1% YoY
|
0.69%
+15.8% YoY
|
23% |
| Tier 1 Capital Ratio ? |
10.85%
-2.2% YoY
+1.6% QoQ
|
-5.06% |
15.91%
+1.4% YoY
|
14.18%
-3.9% YoY
|
17.09%
+0.8% YoY
|
21% |
| Non-Interest Income / Assets ? |
0.34%
-7.4% YoY
+98.5% QoQ
|
-0.22% |
0.57%
+7.6% YoY
|
0.31%
-11.7% YoY
|
0.66%
+5.2% YoY
|
78% |
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 |
8.1%
-0.4pp YoY -0.4pp QoQ |
-14.1pp | 22.1% | 23.9% | 22.2% | 7% |
| 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 |
4.4%
-1.7pp YoY -0.4pp QoQ |
-7.2pp | 11.6% | 15.7% | 12.5% | 16% |
| CRE |
53.2%
+5.3pp YoY +2.0pp QoQ |
+13.7pp | 39.5% | 42.0% | 41.4% | 75% |
| 1-4 Family |
36.0%
-2.4pp YoY -1.7pp QoQ |
+3.4pp | 32.6% | 24.0% | 31.3% | 63% |
| Consumer |
2.8%
-0.9pp YoY -0.4pp QoQ |
-1.3pp | 4.1% | 5.6% | 5.0% | 58% |
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 |
10.9%
-0.2pp YoY +0.2pp QoQ |
-1.3pp | 12.2% | 11.7% | 12.6% | 47% |
| 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 |
86
+6 (+7.5%) YoY +2 (+2.4%) QoQ |
+27 | 58 | 150 | 482 | 81% |
| Assets per Employee ($) |
$5.7M
+0.4% YoY -1.2% QoQ |
-$1.8M | $7.5M | $6.5M | $8.8M | 26% |
| Branch Count |
6
0 YoY 0 QoQ |
+1 | 4 | 8 | 18 | 66% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
-0.1pp YoY 0.0pp QoQ |
-0.3pp | 0.3% | 0.9% | 0.4% | 36% |
| Nonaccrual |
1.3%
+0.6pp YoY -0.3pp QoQ |
+0.3pp | 0.9% | 1.5% | 1.0% | 77% |
| Allowance Coverage |
0.98x
-44.5% YoY +8.1% QoQ |
-23.17x | 24.15x | 61.99x | 20.23x | 26% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.2% | 0.2% | 48% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
18.8%
+0.1pp YoY +3.0pp QoQ |
+6.6pp | 12.2% | 11.9% | 11.6% | 84% |
| Cost of Funds (YTD) |
1.4%
-0.2pp YoY 0.0pp QoQ |
-0.3pp | 1.7% | 1.8% | 1.7% | 30% |
| Net Income ($, YTD) |
$3.9M
+14.4% YoY — QoQ |
+$1.4M | $2.6M | $8.7M | $40.4M | 80% |
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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.