BlastPoint's Banking Scorecard

SNB Bank, National Association

$100M-$1B Specialty: Agricultural OK FDIC cert 4196

Shattuck, OK

2 branches across OK · TX

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 -12.1% year over year ($111.3M on the books).
Delinquency rate 6.30%.
Return on assets 0.01%.
Efficiency ratio 98.01% vs a 64.48% peer average.
Loan-to-deposit ratio 81.17% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 106 in OK

View $100M-$1B leaderboard (OK) →

SNB Bank, National Association has 1 strength but faces 5 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

+ Non-Interest Income / Assets 0.24% above tier average

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 10.5% in tier
- Deposit Outflow: Bottom 19.4% in tier
- Return on Assets 1.31% below tier average
- Delinquency Rate 5.38% above tier average
- Nonperforming Asset Ratio 5.62% above tier average

Get updates when SNB Bank, National Association releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
Total Assets ?	$129.4M -10.2% YoY +0.3% QoQ	-$257.1M	$386.6M +1.2% YoY	$1.3B +6.0% YoY	$6.3B +7.7% YoY	Bottom 8.0% in tier
Total Loans ?	$90.4M -12.5% YoY +1.0% QoQ	-$168.0M	$258.3M +1.7% YoY	$835.5M +7.1% YoY	$3.2B +9.4% YoY	Bottom 15.0% in tier
Total Deposits ?	$111.3M -12.1% YoY +1.3% QoQ	-$215.4M	$326.7M +0.7% YoY	$967.8M +5.8% YoY	$4.9B +7.3% YoY	Bottom 9.0% in tier
Return on Assets ?	0.01% -99.6% YoY -97.4% QoQ	-1.31%	1.32% +10.8% YoY	1.35% +7.7% YoY	1.30% +12.1% YoY	Bottom 3.3% in tier
Net Interest Margin ?	3.94% +2.7% YoY -13.8% QoQ	-0.04%	3.99% +5.0% YoY	4.27% +1.9% YoY	3.95% +4.9% YoY	50%
Efficiency Ratio ?	98.01% +66.4% YoY +11.7% QoQ	+33.53%	64.48% -3.2% YoY	64.81% -3.0% YoY	70.05% +2.5% YoY	Bottom 2.5% in tier
Delinquency Rate ?	6.30% +143.0% YoY +47.1% QoQ	+5.38%	0.92% +15.7% YoY	1.78% +23.7% YoY	0.98% +16.3% YoY	Bottom 1.4% in tier
Loan-to-Deposit Ratio ?	81.17% -0.4% YoY -0.2% QoQ	+3.22%	77.95% +1.0% YoY	74.14% +1.3% YoY	79.03% +2.3% YoY	47%
Non-Interest-Bearing Deposit Share ?	10.77% +0.7% YoY -2.8% QoQ	-11.26%	22.03% -0.6% YoY	23.91% -1.8% YoY	21.98% -0.6% YoY	Bottom 12.2% in tier
Nonperforming Asset Ratio ?	6.29% +190.4% YoY +36.3% QoQ	+5.62%	0.67% +16.4% YoY	1.24% +23.1% YoY	0.69% +15.8% YoY	Bottom 0.6% in tier
Tier 1 Capital Ratio ?	11.80% +6.3% YoY +1.5% QoQ	-4.10%	15.91% +1.4% YoY	14.18% -3.9% YoY	17.09% +0.8% YoY	33%
Non-Interest Income / Assets ?	0.80% -76.1% YoY +175.2% QoQ	+0.24%	0.57% +7.6% YoY	0.31% -11.7% YoY	0.66% +5.2% YoY	Top 4.7% in tier

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	10.8% +0.1pp YoY -0.3pp QoQ	-11.4pp	22.1%	23.9%	22.2%	12%
Brokered Deposits	7.6% -13.5pp YoY -0.6pp QoQ	-0.2pp	7.9%	9.7%	8.5%	67%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
C&I	31.9% -1.3pp YoY +0.3pp QoQ	+20.3pp	11.6%	15.7%	12.5%	96%
CRE	n/a	n/a	39.5%	42.0%	41.4%	n/a
1-4 Family	1.3% -0.7pp YoY -0.3pp QoQ	-31.3pp	32.6%	24.0%	31.3%	1%
Consumer	4.5% -0.5pp YoY -0.3pp QoQ	+0.4pp	4.1%	5.6%	5.0%	74%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	18.8%	17.0%	19.7%	n/a
Leverage Ratio	11.8% +0.7pp YoY +0.2pp QoQ	-0.4pp	12.2%	11.7%	12.6%	62%
Total Capital Ratio	n/a	n/a	19.9%	18.2%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
Full-Time Employees	22 -1 (-4.3%) YoY -1 (-4.3%) QoQ	-37	58	150	482	14%
Assets per Employee ($)	$5.9M -6.2% YoY +4.9% QoQ	-$1.6M	$7.5M	$6.5M	$8.8M	31%
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	6.3% +3.7pp YoY +2.1pp QoQ	+5.4pp	0.9%	1.5%	1.0%	99%
Allowance Coverage	0.30x -26.8% YoY -28.3% QoQ	-23.85x	24.15x	61.99x	20.23x	3%
Net Charge-off Rate (YTD)	0.0% -1.0pp YoY -0.5pp QoQ	-0.1pp	0.1%	0.2%	0.2%	60%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
ROE	0.1% -34.0pp YoY -4.0pp QoQ	-12.1pp	12.2%	11.9%	11.6%	3%
Cost of Funds (YTD)	2.2% -0.1pp YoY -0.1pp QoQ	+0.5pp	1.7%	1.8%	1.7%	81%
Net Income ($, YTD)	$8,000 -99.7% YoY — QoQ	-$2.5M	$2.6M	$8.7M	$40.4M	3%

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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 (0)

No matched strength signatures this quarter

Concerns (2)

Efficiency Drag

risk

#39 of 361 • Bottom 10.5% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature

Efficiency Ratio: 98.01%

(Tier: 64.48%, National: 70.05%)

worse than tier avg

361 of 361 Community banks match · 426 nationally

↓ Shrinking -64 banks QoQ | QoQ rank improving

Deposit Outflow

decline

#105 of 535 • Bottom 19.4% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

535 of 535 Community banks match · 686 nationally

→ Stable +31 banks QoQ | QoQ rank improving

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 2643 peers in $100M-$1B

Top Strengths (1 metrics)

126

Non-Interest Income / Assets

revenue_mix

Value: 0.80%

Peer Median: 0.57%

#126 of 2643 Top 4.7% in $100M-$1B

Top Weaknesses (8 metrics)

2629

Nonperforming Asset Ratio

credit_quality

Value: 6.29%

Peer Median: 0.67%

#2629 of 2643 Bottom 0.6% in $100M-$1B

2596

Delinquency Rate

credit_quality

Value: 6.30%

Peer Median: 0.92%

#2596 of 2633 Bottom 1.4% in $100M-$1B

2577

Efficiency Ratio

profitability

Value: 98.01%

Peer Median: 64.48%

#2577 of 2643 Bottom 2.5% in $100M-$1B

2557

Return on Assets

profitability

Value: 0.01%

Peer Median: 1.32%

#2557 of 2643 Bottom 3.3% in $100M-$1B

2433

Total Assets

size

Value: $129.45M

Peer Median: $386.57M

#2433 of 2643 Bottom 8.0% in $100M-$1B

2406

Total Deposits

size

Value: $111.35M

Peer Median: $326.73M

#2406 of 2643 Bottom 9.0% in $100M-$1B

2322

Non-Interest-Bearing Deposit Share

funding

Value: 10.77%

Peer Median: 22.03%

#2322 of 2643 Bottom 12.2% in $100M-$1B

2248

Total Loans

size

Value: $90.38M

Peer Median: $258.35M

#2248 of 2643 Bottom 15.0% in $100M-$1B