BlastPoint's Banking Scorecard
Bank 7
Designations: ✓ Community bank
Oklahoma City, OK
12 branches across OK · KS · TX
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 885 banks in the $1B-$10B peer group nationwide — 1 of 21 in OK.
- Deposits +2.7% year over year ($1.6B on the books).
- Delinquency rate 0.40%.
- Return on assets 2.10%.
- Efficiency ratio 45.31% vs a 59.73% peer average.
- Loan-to-deposit ratio 96.65% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Bank 7 has 4 strengths but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 0.71% above tier average
- + Net Interest Margin 1.13% above tier average
- + Efficiency Ratio 14.42% below tier average
- + Delinquency Rate 0.47% below tier average
Key Concerns
Areas that may need attention
- - Cost Spiral: Bottom 3.2% in tier
- - Credit Quality Pressure: Bottom 17.5% in tier
- - Credit Risk Growth: Bottom 25.9% in tier
- - Liquidity Strain: Bottom 46.3% in tier
- - Margin Compression: Bottom 68.2% in tier
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.9B
+4.2% YoY
-1.6% QoQ
|
-$879.9M |
$2.8B
-0.6% YoY
|
$1.3B
+6.0% YoY
|
$6.3B
+7.7% YoY
|
48% |
| Total Loans ? |
$1.6B
+6.8% YoY
+0.3% QoQ
|
-$380.2M |
$2.0B
-0.3% YoY
|
$835.5M
+7.1% YoY
|
$3.2B
+9.4% YoY
|
56% |
| Total Deposits ? |
$1.6B
+2.7% YoY
-2.0% QoQ
|
-$681.0M |
$2.3B
-0.5% YoY
|
$967.8M
+5.8% YoY
|
$4.9B
+7.3% YoY
|
49% |
| Return on Assets ? |
2.10%
-12.6% YoY
-14.7% QoQ
|
+0.71% |
1.39%
+17.0% YoY
|
1.35%
+7.7% YoY
|
1.30%
+12.1% YoY
|
Top 8.9% in tier |
| Net Interest Margin ? |
5.00%
-0.6% YoY
-4.1% QoQ
|
+1.13% |
3.87%
+6.2% YoY
|
4.27%
+1.9% YoY
|
3.95%
+4.9% YoY
|
Top 5.1% in tier |
| Efficiency Ratio ? |
45.31%
+14.5% YoY
+14.6% QoQ
|
-14.42% |
59.73%
-12.6% YoY
|
64.81%
-3.0% YoY
|
70.05%
+2.5% YoY
|
Top 12.0% in tier |
| Delinquency Rate ? |
0.40%
+7.8% YoY
-32.3% QoQ
|
-0.47% |
0.87%
+11.7% YoY
|
1.78%
+23.7% YoY
|
0.98%
+16.3% YoY
|
62% |
| Loan-to-Deposit Ratio ? |
96.65%
+4.0% YoY
+2.4% QoQ
|
+11.62% |
85.04%
-0.1% YoY
|
74.14%
+1.3% YoY
|
79.03%
+2.3% YoY
|
22% |
| Non-Interest-Bearing Deposit Share ? |
20.10%
+1.5% YoY
-0.2% QoQ
|
-1.17% |
21.27%
-1.5% YoY
|
23.91%
-1.8% YoY
|
21.98%
-0.6% YoY
|
52% |
| Nonperforming Asset Ratio ? |
0.35%
+9.5% YoY
-29.5% QoQ
|
-0.32% |
0.67%
+11.7% YoY
|
1.24%
+23.1% YoY
|
0.69%
+15.8% YoY
|
57% |
| Tier 1 Capital Ratio ? |
15.18%
+9.2% YoY
+2.6% QoQ
|
+0.34% |
14.84%
-0.4% YoY
|
14.18%
-3.9% YoY
|
17.09%
+0.8% YoY
|
75% |
| Non-Interest Income / Assets ? |
0.16%
-36.1% YoY
+53.4% QoQ
|
-0.37% |
0.53%
+2.5% YoY
|
0.31%
-11.7% YoY
|
0.66%
+5.2% YoY
|
20% |
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 |
20.1%
+0.3pp YoY 0.0pp QoQ |
-1.3pp | 21.4% | 23.9% | 22.2% | 52% |
| Brokered Deposits |
23.0%
-0.3pp YoY -2.3pp QoQ |
+13.5pp | 9.5% | 9.7% | 8.5% | 91% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
34.3%
-1.8pp YoY +0.4pp QoQ |
+20.3pp | 14.0% | 15.7% | 12.5% | 94% |
| CRE |
52.7%
+2.2pp YoY +0.4pp QoQ |
+2.7pp | 50.0% | 42.0% | 41.4% | 59% |
| 1-4 Family |
9.3%
+0.4pp YoY +0.1pp QoQ |
-17.1pp | 26.4% | 24.0% | 31.3% | 15% |
| Consumer |
0.4%
-0.2pp YoY 0.0pp QoQ |
-4.3pp | 4.7% | 5.6% | 5.0% | 29% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
15.2%
+1.3pp YoY +0.4pp QoQ |
-0.4pp | 15.6% | 17.0% | 19.7% | 71% |
| Leverage Ratio |
13.9%
+1.4pp YoY +0.6pp QoQ |
+2.6pp | 11.3% | 11.7% | 12.6% | 89% |
| Total Capital Ratio |
16.4%
+1.3pp YoY +0.4pp QoQ |
-0.3pp | 16.7% | 18.2% | 20.8% | 72% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
129
-3 (-2.3%) YoY +3 (+2.4%) QoQ |
-185 | 313 | 150 | 482 | 16% |
| Assets per Employee ($) |
$14.8M
+6.7% YoY -3.9% QoQ |
+$4.4M | $10.5M | $6.5M | $8.8M | 89% |
| Branch Count |
12
0 YoY 0 QoQ |
-8 | 20 | 8 | 18 | 39% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.2% | 0.9% | 0.4% | n/a |
| Nonaccrual |
0.4%
0.0pp YoY -0.2pp QoQ |
-0.4pp | 0.8% | 1.5% | 1.0% | 39% |
| Allowance Coverage |
3.10x
-7.0% YoY +47.8% QoQ |
-15.61x | 18.71x | 61.99x | 20.23x | 65% |
| Net Charge-off Rate (YTD) |
-0.0%
0.0pp YoY 0.0pp QoQ |
-0.3pp | 0.3% | 0.2% | 0.2% | 5% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
15.8%
-3.6pp YoY -3.1pp QoQ |
+3.2pp | 12.6% | 11.9% | 11.6% | 78% |
| Cost of Funds (YTD) |
2.0%
-0.3pp YoY 0.0pp QoQ |
+0.1pp | 1.9% | 1.8% | 1.7% | 59% |
| Net Income ($, YTD) |
$20.4M
-5.1% YoY — QoQ |
+$1.1M | $19.2M | $8.7M | $40.4M | 70% |
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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 (5)
Cost Spiral
riskHistorically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.