BlastPoint's Banking Scorecard

McClain Bank

$100M-$1B Specialty: Commercial OK FDIC cert 4187

Purcell, OK

4 branches across OK

2664 banks in the $100M-$1B peer group nationally 107 in OK

McClain Bank has 5 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

+ Revenue Diversifier: Top 43.2% in tier
+ Deposit Franchise: Top 48.2% in tier
+ ROA 0.42% above tier average
+ Efficiency Ratio 9.25% below tier average
+ Delinquency Rate 0.51% below tier average

Key Concerns

Areas that may need attention

- Capital Thin: Bottom 21.3% in tier
- Margin Compression: Bottom 70.5% in tier

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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 ?	$293.5M +2.8% YoY +4.1% QoQ	-$92.6M	$386.1M +0.5% YoY	$1.2B +6.7% YoY	$6.2B +9.1% YoY	45%
Total Loans ?	$191.0M +8.6% YoY -0.3% QoQ	-$64.8M	$255.7M +1.1% YoY	$822.6M +7.2% YoY	$3.2B +10.8% YoY	46%
Total Deposits ?	$262.2M +2.4% YoY +4.2% QoQ	-$65.8M	$328.0M +0.1% YoY	$956.7M +4.7% YoY	$4.8B +8.2% YoY	47%
Return on Assets ?	1.69% -6.2% YoY -6.6% QoQ	+0.42%	1.27% +12.9% YoY	1.34% +7.6% YoY	1.23% +13.4% YoY	77%
Net Interest Margin ?	5.14% +1.7% YoY -1.3% QoQ	+1.21%	3.93% +6.0% YoY	4.25% +2.4% YoY	3.89% +5.7% YoY	Top 5.5% in tier
Efficiency Ratio ?	56.03% +0.3% YoY -1.4% QoQ	-9.25%	65.29% -4.5% YoY	65.16% -1.8% YoY	66.95% -4.1% YoY	71%
Delinquency Rate ?	0.37% -40.6% YoY -6.1% QoQ	-0.51%	0.89% +18.8% YoY	1.61% +16.3% YoY	0.95% +18.8% YoY	52%
Loan-to-Deposit Ratio ?	72.83% +6.1% YoY -4.4% QoQ	-3.81%	76.64% +0.8% YoY	73.83% +1.6% YoY	76.70% +0.9% YoY	62%
Non-Interest-Bearing Deposit Share ?	31.14% -1.4% YoY -6.7% QoQ	+9.12%	22.02% -1.0% YoY	23.68% -1.7% YoY	22.01% -1.2% YoY	85%
Nonperforming Asset Ratio ?	0.26% -33.9% YoY -9.8% QoQ	-0.38%	0.64% +19.7% YoY	1.12% +15.3% YoY	0.67% +19.3% YoY	54%
Tier 1 Capital Ratio ?	9.93% -1.7% YoY -5.0% QoQ	-5.90%	15.83% +1.5% YoY	14.36% -1.8% YoY	17.06% +0.8% YoY	Bottom 9.1% in tier
Non-Interest Income / Assets ?	0.21% -1.3% YoY -75.4% QoQ	-0.07%	0.28% +9.3% YoY	0.15% -5.6% YoY	0.32% +4.1% YoY	Top 12.3% in tier

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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 (2)

Revenue Diversifier

growth

#289 of 666 • Top 43.2% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 0.21%

(Tier: 0.28%, National: 0.32%)

but worse than tier avg

Return on Assets: 1.69%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank declining

Deposit Franchise

growth

#132 of 272 • Top 48.2% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature

Noninterest-Bearing Deposit Share: 31.14%

(Tier: 22.02%, National: 22.01%)

better than tier avg

Net Interest Margin: 5.14%

(Tier: 3.93%, National: 3.89%)

better than tier avg

272 of 272 Community banks match · 369 nationally

→ Stable -14 banks QoQ | QoQ rank declining

Concerns (2)

Capital Thin

risk

#143 of 666 • Bottom 21.3% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature

Tier 1 Capital Ratio: 9.93%

(Tier: 15.83%, National: 17.06%)

worse than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Margin Compression

decline

#216 of 305 • Bottom 70.5% 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: 1.69%

(Tier: 1.27%, National: 1.23%)

better than tier avg

305 of 305 Community banks match · 407 nationally

↑ Growing +94 banks QoQ

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 2664 peers in $100M-$1B

Top Strengths (4 metrics)

147

Net Interest Margin

profitability

Value: 5.14%

Peer Median: 3.93%

#147 of 2664 Top 5.5% in $100M-$1B

329

Non-Interest Income / Assets

revenue_mix

Value: 0.21%

Peer Median: 0.28%

#329 of 2664 Top 12.3% in $100M-$1B

412

Non-Interest-Bearing Deposit Share

funding

Value: 31.14%

Peer Median: 22.02%

#412 of 2664 Top 15.4% in $100M-$1B

605

Return on Assets

profitability

Value: 1.69%

Peer Median: 1.27%

#605 of 2664 Top 22.7% in $100M-$1B

Top Weaknesses (1 metrics)

2423

Tier 1 Capital Ratio

capital

Value: 9.93%

Peer Median: 15.83%

#2423 of 2664 Bottom 9.1% in $100M-$1B