BlastPoint

BlastPoint's Banking Scorecard

THE SEILING STATE BANK

$100M-$1B Specialty: Agricultural OK FDIC cert 4193

Seiling, OK

3 branches across OK

2664 banks in the $100M-$1B peer group nationally 107 in OK
View $100M-$1B leaderboard (OK) →

THE SEILING STATE BANK has 3 strengths but faces 1 concern

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 8.7% in tier
  • + Net Interest Margin 0.22% above tier average
  • + Delinquency Rate 0.72% below tier average

Key Concerns

Areas that may need attention

  • - Efficiency Ratio 3.09% above tier average
Get updates when THE SEILING STATE BANK releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
Total Assets ? $200.7M
+4.9% YoY +2.2% QoQ
-$185.4M $386.1M
+0.5% YoY
$1.2B
+6.7% YoY
$6.2B
+9.1% YoY
27%
Total Loans ? $136.9M
+9.2% YoY -3.4% QoQ
-$118.8M $255.7M
+1.1% YoY
$822.6M
+7.2% YoY
$3.2B
+10.8% YoY
31%
Total Deposits ? $181.5M
+3.2% YoY +1.9% QoQ
-$146.5M $328.0M
+0.1% YoY
$956.7M
+4.7% YoY
$4.8B
+8.2% YoY
30%
Return on Assets ? 2.16%
+98.8% YoY +280.9% QoQ
+0.89% 1.27%
+12.9% YoY
1.34%
+7.6% YoY
1.23%
+13.4% YoY
Top 9.4% in tier
Net Interest Margin ? 4.15%
+10.2% YoY +12.7% QoQ
+0.22% 3.93%
+6.0% YoY
4.25%
+2.4% YoY
3.89%
+5.7% YoY
65%
Efficiency Ratio ? 68.37%
+3.6% YoY -7.7% QoQ
+3.09% 65.29%
-4.5% YoY
65.16%
-1.8% YoY
66.95%
-4.1% YoY
36%
Delinquency Rate ? 0.17%
-62.9% YoY -61.6% QoQ
-0.72% 0.89%
+18.8% YoY
1.61%
+16.3% YoY
0.95%
+18.8% YoY
67%
Loan-to-Deposit Ratio ? 75.43%
+5.8% YoY -5.2% QoQ
-1.21% 76.64%
+0.8% YoY
73.83%
+1.6% YoY
76.70%
+0.9% YoY
56%
Non-Interest-Bearing Deposit Share ? 9.73%
-7.8% YoY +12.4% QoQ
-12.29% 22.02%
-1.0% YoY
23.68%
-1.7% YoY
22.01%
-1.2% YoY
Bottom 10.3% in tier
Nonperforming Asset Ratio ? 0.20%
-33.6% YoY -50.8% QoQ
-0.44% 0.64%
+19.7% YoY
1.12%
+15.3% YoY
0.67%
+19.3% YoY
60%
Tier 1 Capital Ratio ? 13.36%
+3.0% YoY +7.0% QoQ
-2.47% 15.83%
+1.5% YoY
14.36%
-1.8% YoY
17.06%
+0.8% YoY
51%
Non-Interest Income / Assets ? 0.08%
+4.0% YoY -67.3% QoQ
-0.20% 0.28%
+9.3% YoY
0.15%
-5.6% YoY
0.32%
+4.1% YoY
37%

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
#59 of 666 • Top 8.7% in tier

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

Why this signature
Return on Assets: 2.16%
(Tier: 1.27%, National: 1.23%)
better than tier avg
666 of 666 Community banks match · 926 nationally
→ Stable +3 banks QoQ

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).
Comparing against 2664 peers in $100M-$1B

Top Strengths (1 metrics)

252
Return on Assets
profitability
Value: 2.16%
Peer Median: 1.27%
#252 of 2664 Top 9.4% in $100M-$1B

Top Weaknesses (1 metrics)

2391
Non-Interest-Bearing Deposit Share
funding
Value: 9.73%
Peer Median: 22.02%
#2391 of 2664 Bottom 10.3% in $100M-$1B
Powered by BlastPoint © 2026