BlastPoint's Banking Scorecard
SNB Bank, National Association
Shattuck, OK
2 branches across OK · TX
SNB Bank, National Association has 1 strength but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.65% above tier average
Key Concerns
Areas that may need attention
- - Deposit Outflow: Bottom 38.9% in tier
- - Efficiency Ratio 22.42% above tier average
- - Delinquency Rate 3.39% above tier average
- - Nonperforming Asset Ratio 3.98% above tier average
- - ROA 0.81% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$129.1M
-9.9% YoY
-5.0% QoQ
|
-$257.0M |
$386.1M
+0.5% YoY
|
$1.2B
+6.7% YoY
|
$6.2B
+9.1% YoY
|
Bottom 8.4% in tier |
| Total Loans ? |
$89.4M
-19.4% YoY
-8.6% QoQ
|
-$166.3M |
$255.7M
+1.1% YoY
|
$822.6M
+7.2% YoY
|
$3.2B
+10.8% YoY
|
16% |
| Total Deposits ? |
$109.9M
-14.3% YoY
-5.0% QoQ
|
-$218.0M |
$328.0M
+0.1% YoY
|
$956.7M
+4.7% YoY
|
$4.8B
+8.2% YoY
|
Bottom 8.6% in tier |
| Return on Assets ? |
0.46%
+193.9% YoY
-58.8% QoQ
|
-0.81% |
1.27%
+12.9% YoY
|
1.34%
+7.6% YoY
|
1.23%
+13.4% YoY
|
Bottom 12.3% in tier |
| Net Interest Margin ? |
4.58%
+30.7% YoY
+23.2% QoQ
|
+0.65% |
3.93%
+6.0% YoY
|
4.25%
+2.4% YoY
|
3.89%
+5.7% YoY
|
84% |
| Efficiency Ratio ? |
87.71%
-20.8% YoY
+30.5% QoQ
|
+22.42% |
65.29%
-4.5% YoY
|
65.16%
-1.8% YoY
|
66.95%
-4.1% YoY
|
Bottom 8.0% in tier |
| Delinquency Rate ? |
4.28%
+23.4% YoY
-31.0% QoQ
|
+3.39% |
0.89%
+18.8% YoY
|
1.61%
+16.3% YoY
|
0.95%
+18.8% YoY
|
Bottom 2.9% in tier |
| Loan-to-Deposit Ratio ? |
81.37%
-5.9% YoY
-3.8% QoQ
|
+4.73% |
76.64%
+0.8% YoY
|
73.83%
+1.6% YoY
|
76.70%
+0.9% YoY
|
44% |
| Non-Interest-Bearing Deposit Share ? |
11.08%
+12.5% YoY
-7.0% QoQ
|
-10.94% |
22.02%
-1.0% YoY
|
23.68%
-1.7% YoY
|
22.01%
-1.2% YoY
|
Bottom 13.1% in tier |
| Nonperforming Asset Ratio ? |
4.61%
+71.7% YoY
+3.2% QoQ
|
+3.98% |
0.64%
+19.7% YoY
|
1.12%
+15.3% YoY
|
0.67%
+19.3% YoY
|
Bottom 1.1% in tier |
| Tier 1 Capital Ratio ? |
11.63%
+22.6% YoY
+2.8% QoQ
|
-4.20% |
15.83%
+1.5% YoY
|
14.36%
-1.8% YoY
|
17.06%
+0.8% YoY
|
31% |
| Non-Interest Income / Assets ? |
0.29%
+23.4% YoY
-93.6% QoQ
|
+0.01% |
0.28%
+9.3% YoY
|
0.15%
-5.6% YoY
|
0.32%
+4.1% YoY
|
Top 7.0% in tier |
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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)
Deposit Outflow
declineDeposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.