BlastPoint's Banking Scorecard
Patrons Bank, National Association
Okmulgee, OK
5 branches across OK
Patrons Bank, National Association has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.16% above tier average
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 22.0% in tier
- - Efficiency Ratio 11.36% above tier average
- - Delinquency Rate 0.12% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$302.0M
+4.7% YoY
+1.3% QoQ
|
-$84.1M |
$386.1M
+0.5% YoY
|
$1.2B
+6.7% YoY
|
$6.2B
+9.1% YoY
|
46% |
| Total Loans ? |
$177.1M
+15.5% YoY
+3.5% QoQ
|
-$78.6M |
$255.7M
+1.1% YoY
|
$822.6M
+7.2% YoY
|
$3.2B
+10.8% YoY
|
43% |
| Total Deposits ? |
$261.1M
+1.5% YoY
+0.4% QoQ
|
-$66.9M |
$328.0M
+0.1% YoY
|
$956.7M
+4.7% YoY
|
$4.8B
+8.2% YoY
|
47% |
| Return on Assets ? |
1.02%
-20.4% YoY
+4.1% QoQ
|
-0.25% |
1.27%
+12.9% YoY
|
1.34%
+7.6% YoY
|
1.23%
+13.4% YoY
|
39% |
| Net Interest Margin ? |
4.09%
-0.4% YoY
-0.0% QoQ
|
+0.16% |
3.93%
+6.0% YoY
|
4.25%
+2.4% YoY
|
3.89%
+5.7% YoY
|
62% |
| Efficiency Ratio ? |
76.64%
+6.4% YoY
-2.7% QoQ
|
+11.36% |
65.29%
-4.5% YoY
|
65.16%
-1.8% YoY
|
66.95%
-4.1% YoY
|
20% |
| Delinquency Rate ? |
1.01%
-17.3% YoY
-6.6% QoQ
|
+0.12% |
0.89%
+18.8% YoY
|
1.61%
+16.3% YoY
|
0.95%
+18.8% YoY
|
28% |
| Loan-to-Deposit Ratio ? |
67.84%
+13.8% YoY
+3.0% QoQ
|
-8.80% |
76.64%
+0.8% YoY
|
73.83%
+1.6% YoY
|
76.70%
+0.9% YoY
|
70% |
| Non-Interest-Bearing Deposit Share ? |
23.35%
-0.3% YoY
+0.0% QoQ
|
+1.33% |
22.02%
-1.0% YoY
|
23.68%
-1.7% YoY
|
22.01%
-1.2% YoY
|
60% |
| Nonperforming Asset Ratio ? |
0.59%
-8.7% YoY
-4.6% QoQ
|
-0.05% |
0.64%
+19.7% YoY
|
1.12%
+15.3% YoY
|
0.67%
+19.3% YoY
|
33% |
| Tier 1 Capital Ratio ? |
14.00%
-10.3% YoY
-1.4% QoQ
|
-1.83% |
15.83%
+1.5% YoY
|
14.36%
-1.8% YoY
|
17.06%
+0.8% YoY
|
57% |
| Non-Interest Income / Assets ? |
0.19%
-17.4% YoY
-78.5% QoQ
|
-0.09% |
0.28%
+9.3% YoY
|
0.15%
-5.6% YoY
|
0.32%
+4.1% YoY
|
85% |
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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 (1)
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.