BlastPoint's Banking Scorecard
THE SEILING STATE BANK
Seiling, OK
2 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 +0.5% year over year ($175.2M on the books).
- Delinquency rate 0.00%.
- Return on assets 1.60%.
- Efficiency ratio 70.05% vs a 64.48% peer average.
- Loan-to-deposit ratio 78.31% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
THE SEILING STATE BANK has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.27% above tier average
- + Net Interest Margin 0.12% above tier average
- + Delinquency Rate 0.91% below tier average
Key Concerns
Areas that may need attention
- - Non-Interest-Bearing Deposit Share 12.45% below tier average
- - Efficiency Ratio 5.57% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$195.0M
+2.8% YoY
-2.8% QoQ
|
-$191.5M |
$386.6M
+1.2% YoY
|
$1.3B
+6.0% YoY
|
$6.3B
+7.7% YoY
|
26% |
| Total Loans ? |
$137.2M
+12.0% YoY
+0.2% QoQ
|
-$121.2M |
$258.3M
+1.7% YoY
|
$835.5M
+7.1% YoY
|
$3.2B
+9.4% YoY
|
31% |
| Total Deposits ? |
$175.2M
+0.5% YoY
-3.5% QoQ
|
-$151.6M |
$326.7M
+0.7% YoY
|
$967.8M
+5.8% YoY
|
$4.9B
+7.3% YoY
|
28% |
| Return on Assets ? |
1.60%
+54.6% YoY
-26.2% QoQ
|
+0.27% |
1.32%
+10.8% YoY
|
1.35%
+7.7% YoY
|
1.30%
+12.1% YoY
|
70% |
| Net Interest Margin ? |
4.11%
+7.3% YoY
-1.1% QoQ
|
+0.12% |
3.99%
+5.0% YoY
|
4.27%
+1.9% YoY
|
3.95%
+4.9% YoY
|
59% |
| Efficiency Ratio ? |
70.05%
+1.5% YoY
+2.4% QoQ
|
+5.57% |
64.48%
-3.2% YoY
|
64.81%
-3.0% YoY
|
70.05%
+2.5% YoY
|
30% |
| Delinquency Rate ? |
0.00%
-97.4% YoY
-97.4% QoQ
|
-0.91% |
0.92%
+15.7% YoY
|
1.78%
+23.7% YoY
|
0.98%
+16.3% YoY
|
Top 13.1% in tier |
| Loan-to-Deposit Ratio ? |
78.31%
+11.4% YoY
+3.8% QoQ
|
+0.36% |
77.95%
+1.0% YoY
|
74.14%
+1.3% YoY
|
79.03%
+2.3% YoY
|
53% |
| Non-Interest-Bearing Deposit Share ? |
9.58%
-8.1% YoY
-1.6% QoQ
|
-12.45% |
22.03%
-0.6% YoY
|
23.91%
-1.8% YoY
|
21.98%
-0.6% YoY
|
Bottom 9.7% in tier |
| Nonperforming Asset Ratio ? |
0.00%
-97.2% YoY
-98.5% QoQ
|
-0.67% |
0.67%
+16.4% YoY
|
1.24%
+23.1% YoY
|
0.69%
+15.8% YoY
|
Top 12.0% in tier |
| Tier 1 Capital Ratio ? |
13.74%
+5.9% YoY
+2.8% QoQ
|
-2.16% |
15.91%
+1.4% YoY
|
14.18%
-3.9% YoY
|
17.09%
+0.8% YoY
|
55% |
| Non-Interest Income / Assets ? |
0.15%
+19.7% YoY
+97.2% QoQ
|
-0.41% |
0.57%
+7.6% YoY
|
0.31%
-11.7% YoY
|
0.66%
+5.2% YoY
|
36% |
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 |
9.6%
-0.8pp YoY -0.2pp QoQ |
-12.6pp | 22.1% | 23.9% | 22.2% | 9% |
| Brokered Deposits |
8.6%
-3.3pp YoY -1.8pp QoQ |
+0.7pp | 7.9% | 9.7% | 8.5% | 70% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
27.0%
-4.4pp YoY +0.5pp QoQ |
+15.4pp | 11.6% | 15.7% | 12.5% | 95% |
| CRE |
16.6%
+0.9pp YoY +0.5pp QoQ |
-22.9pp | 39.5% | 42.0% | 41.4% | 13% |
| 1-4 Family |
15.9%
-1.2pp YoY +0.5pp QoQ |
-16.7pp | 32.6% | 24.0% | 31.3% | 21% |
| Consumer |
3.8%
+1.1pp YoY +0.4pp QoQ |
-0.3pp | 4.1% | 5.6% | 5.0% | 68% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
13.7%
+0.8pp YoY +0.4pp QoQ |
-5.1pp | 18.8% | 17.0% | 19.7% | 36% |
| Leverage Ratio |
10.5%
+0.9pp YoY +0.3pp QoQ |
-1.6pp | 12.2% | 11.7% | 12.6% | 42% |
| Total Capital Ratio |
15.0%
+1.0pp YoY +0.5pp QoQ |
-4.9pp | 19.9% | 18.2% | 20.8% | 38% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
26
-1 (-3.7%) YoY 0 QoQ |
-33 | 58 | 150 | 482 | 21% |
| Assets per Employee ($) |
$7.5M
+6.7% YoY -2.8% QoQ |
-$17K | $7.5M | $6.5M | $8.8M | 61% |
| Branch Count |
2
0 YoY 0 QoQ |
-3 | 4 | 8 | 18 | 11% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.9% | 0.4% | n/a |
| Nonaccrual |
0.0%
-0.2pp YoY -0.2pp QoQ |
-0.9pp | 0.9% | 1.5% | 1.0% | 1% |
| Allowance Coverage |
368.00x
+4909.3% YoY +4871.8% QoQ |
+343.85x | 24.15x | 61.99x | 20.23x | 99% |
| Net Charge-off Rate (YTD) |
-0.6%
-0.8pp YoY -0.6pp QoQ |
-0.7pp | 0.1% | 0.2% | 0.2% | 0% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
17.0%
+3.5pp YoY -6.6pp QoQ |
+4.8pp | 12.2% | 11.9% | 11.6% | 78% |
| Cost of Funds (YTD) |
2.4%
-0.2pp YoY 0.0pp QoQ |
+0.7pp | 1.7% | 1.8% | 1.7% | 86% |
| Net Income ($, YTD) |
$1.6M
+59.7% YoY — QoQ |
-$980K | $2.6M | $8.7M | $40.4M | 43% |
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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 (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.