BlastPoint's Banking Scorecard

Patrons Bank, National Association

$100M-$1B Specialty: Commercial OK FDIC cert 4170

Okmulgee, OK

5 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 +7.7% year over year ($275.4M on the books).
Delinquency rate 0.82%.
Return on assets 1.08%.
Efficiency ratio 75.80% vs a 64.48% peer average.
Loan-to-deposit ratio 68.19% 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) →

Patrons Bank, National Association has 2 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

+ Net Interest Margin 0.27% above tier average
+ Delinquency Rate 0.10% below tier average

Key Concerns

Areas that may need attention

- Margin Compression: Bottom 53.1% in tier
- Efficiency Ratio 11.33% above tier average

Get updates when Patrons Bank, National Association releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
Total Assets ?	$314.5M +9.3% YoY +4.1% QoQ	-$72.1M	$386.6M +1.2% YoY	$1.3B +6.0% YoY	$6.3B +7.7% YoY	49%
Total Loans ?	$187.8M +20.5% YoY +6.0% QoQ	-$70.5M	$258.3M +1.7% YoY	$835.5M +7.1% YoY	$3.2B +9.4% YoY	45%
Total Deposits ?	$275.4M +7.7% YoY +5.5% QoQ	-$51.3M	$326.7M +0.7% YoY	$967.8M +5.8% YoY	$4.9B +7.3% YoY	50%
Return on Assets ?	1.08% -12.6% YoY +5.9% QoQ	-0.24%	1.32% +10.8% YoY	1.35% +7.7% YoY	1.30% +12.1% YoY	39%
Net Interest Margin ?	4.26% +3.6% YoY +4.2% QoQ	+0.27%	3.99% +5.0% YoY	4.27% +1.9% YoY	3.95% +4.9% YoY	68%
Efficiency Ratio ?	75.80% +3.1% YoY -1.1% QoQ	+11.33%	64.48% -3.2% YoY	64.81% -3.0% YoY	70.05% +2.5% YoY	19%
Delinquency Rate ?	0.82% -37.3% YoY -19.2% QoQ	-0.10%	0.92% +15.7% YoY	1.78% +23.7% YoY	0.98% +16.3% YoY	34%
Loan-to-Deposit Ratio ?	68.19% +11.9% YoY +0.5% QoQ	-9.76%	77.95% +1.0% YoY	74.14% +1.3% YoY	79.03% +2.3% YoY	72%
Non-Interest-Bearing Deposit Share ?	22.15% -6.6% YoY -5.2% QoQ	+0.12%	22.03% -0.6% YoY	23.91% -1.8% YoY	21.98% -0.6% YoY	55%
Nonperforming Asset Ratio ?	0.52% -26.6% YoY -12.7% QoQ	-0.15%	0.67% +16.4% YoY	1.24% +23.1% YoY	0.69% +15.8% YoY	39%
Tier 1 Capital Ratio ?	13.04% -15.5% YoY -6.9% QoQ	-2.87%	15.91% +1.4% YoY	14.18% -3.9% YoY	17.09% +0.8% YoY	48%
Non-Interest Income / Assets ?	0.35% -27.2% YoY +81.1% QoQ	-0.21%	0.57% +7.6% YoY	0.31% -11.7% YoY	0.66% +5.2% YoY	80%

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	22.1% -1.6pp YoY -1.2pp QoQ	0.0pp	22.1%	23.9%	22.2%	55%
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	11.3% -0.5pp YoY -0.7pp QoQ	-0.3pp	11.6%	15.7%	12.5%	60%
CRE	52.2% +2.4pp YoY +4.3pp QoQ	+12.6pp	39.5%	42.0%	41.4%	74%
1-4 Family	26.4% -2.3pp YoY -3.3pp QoQ	-6.2pp	32.6%	24.0%	31.3%	43%
Consumer	3.9% -0.1pp YoY +0.2pp QoQ	-0.2pp	4.1%	5.6%	5.0%	69%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
CET1 Ratio	13.0% -2.4pp YoY -1.0pp QoQ	-5.8pp	18.8%	17.0%	19.7%	28%
Leverage Ratio	10.8% -1.0pp YoY -0.3pp QoQ	-1.4pp	12.2%	11.7%	12.6%	46%
Total Capital Ratio	14.2% -2.5pp YoY -0.9pp QoQ	-5.7pp	19.9%	18.2%	20.8%	29%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
Full-Time Employees	71 +2 (+2.9%) YoY 0 QoQ	+12	58	150	482	72%
Assets per Employee ($)	$4.4M +6.3% YoY +4.1% QoQ	-$3.1M	$7.5M	$6.5M	$8.8M	8%
Branch Count	5 0 YoY 0 QoQ	0	4	8	18	55%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
Past Due 90+ Days	0.0% -0.1pp YoY -0.1pp QoQ	-0.3pp	0.3%	0.9%	0.4%	2%
Nonaccrual	0.8% -0.3pp YoY -0.1pp QoQ	-0.1pp	0.9%	1.5%	1.0%	67%
Allowance Coverage	2.02x +41.8% YoY +29.2% QoQ	-22.13x	24.15x	61.99x	20.23x	48%
Net Charge-off Rate (YTD)	-0.3% -0.2pp YoY -0.3pp QoQ	-0.5pp	0.1%	0.2%	0.2%	1%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
ROE	11.1% -2.0pp YoY +0.8pp QoQ	-1.1pp	12.2%	11.9%	11.6%	44%
Cost of Funds (YTD)	1.6% 0.0pp YoY +0.1pp QoQ	-0.1pp	1.7%	1.8%	1.7%	43%
Net Income ($, YTD)	$1.6M -6.8% YoY — QoQ	-$905K	$2.6M	$8.7M	$40.4M	45%

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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 (0)

No matched strength signatures this quarter

Concerns (1)

Margin Compression

decline

#164 of 307 • Bottom 53.1% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature

Return on Assets: 1.08%

(Tier: 1.32%, National: 1.30%)

worse than tier avg

307 of 307 Community banks match · 413 nationally

→ Stable +8 banks QoQ | QoQ rank declining

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 2643 peers in $100M-$1B

Top Strengths (1 metrics)

531

Non-Interest Income / Assets

revenue_mix

Value: 0.35%

Peer Median: 0.57%

#531 of 2643 Top 20.1% in $100M-$1B

Top Weaknesses (1 metrics)

2137

Efficiency Ratio

profitability

Value: 75.80%

Peer Median: 64.48%

#2137 of 2643 Bottom 19.2% in $100M-$1B