BlastPoint's Banking Scorecard

Bank 7

$1B-$10B Specialty: Commercial OK FDIC cert 4147

Designations: ✓ Community bank

Oklahoma City, OK

12 branches across OK · KS · TX

884 banks in the $1B-$10B peer group nationally 21 in OK

Bank 7 shows strong momentum with 4 strengths and 8.9% YoY asset growth

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

+ Profitability Leader: Top 31.7% in tier
+ Net Interest Margin 1.39% above tier average
+ Efficiency Ratio 21.54% below tier average
+ Delinquency Rate 0.30% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
Total Assets ?	$1.9B +8.9% YoY -0.9% QoQ	-$871.6M	$2.8B -0.1% YoY	$1.2B +6.7% YoY	$6.2B +9.1% YoY	49%
Total Loans ?	$1.6B +12.1% YoY -0.7% QoQ	-$386.6M	$2.0B +0.6% YoY	$822.6M +7.2% YoY	$3.2B +10.8% YoY	56%
Total Deposits ?	$1.7B +7.7% YoY -1.7% QoQ	-$671.9M	$2.3B -0.3% YoY	$956.7M +4.7% YoY	$4.8B +8.2% YoY	50%
Return on Assets ?	2.46% +4.8% YoY +5.2% QoQ	+1.09%	1.37% +19.6% YoY	1.34% +7.6% YoY	1.23% +13.4% YoY	Top 3.8% in tier
Net Interest Margin ?	5.21% +4.6% YoY +3.6% QoQ	+1.39%	3.82% +6.9% YoY	4.25% +2.4% YoY	3.89% +5.7% YoY	Top 4.0% in tier
Efficiency Ratio ?	39.52% +0.5% YoY -2.1% QoQ	-21.54%	61.06% -4.6% YoY	65.16% -1.8% YoY	66.95% -4.1% YoY	Top 6.9% in tier
Delinquency Rate ?	0.59% +40.3% YoY +44.6% QoQ	-0.30%	0.89% +14.1% YoY	1.61% +16.3% YoY	0.95% +18.8% YoY	48%
Loan-to-Deposit Ratio ?	94.43% +4.1% YoY +1.1% QoQ	+10.22%	84.20% +0.3% YoY	73.83% +1.6% YoY	76.70% +0.9% YoY	26%
Non-Interest-Bearing Deposit Share ?	20.15% -4.6% YoY +0.4% QoQ	-1.14%	21.29% -2.5% YoY	23.68% -1.7% YoY	22.01% -1.2% YoY	53%
Nonperforming Asset Ratio ?	0.50% +41.5% YoY +42.0% QoQ	-0.17%	0.67% +15.6% YoY	1.12% +15.3% YoY	0.67% +19.3% YoY	45%
Tier 1 Capital Ratio ?	14.79% +5.4% YoY +4.9% QoQ	-0.37%	15.16% +2.0% YoY	14.36% -1.8% YoY	17.06% +0.8% YoY	71%
Non-Interest Income / Assets ?	0.10% +2.7% YoY -76.7% QoQ	-0.16%	0.26% +1.6% YoY	0.15% -5.6% YoY	0.32% +4.1% YoY	33%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 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)

Profitability Leader

growth

#71 of 221 • Top 31.7% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 2.46%

(Tier: 1.37%, National: 1.23%)

better than tier avg

221 of 221 Mid-Market banks match · 926 nationally

→ Stable +3 banks QoQ | 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).

Compare against:

Comparing against 884 peers in $1B-$10B

Top Strengths (3 metrics)

Return on Assets

profitability

Value: 2.46%

Peer Median: 1.37%

#35 of 884 Top 3.8% in $1B-$10B

Net Interest Margin

profitability

Value: 5.21%

Peer Median: 3.82%

#36 of 884 Top 4.0% in $1B-$10B

Efficiency Ratio

profitability

Value: 39.52%

Peer Median: 61.06%

#62 of 884 Top 6.9% in $1B-$10B

Top Weaknesses (0 metrics)

No weakness rankings available