BlastPoint's Banking Scorecard
Bank of Vici
Designations: ✓ Community bank
Vici, 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 536 banks in the under $100M peer group nationwide — 1 of 39 in OK.
- Deposits -13.5% year over year ($26.8M on the books).
- Delinquency rate 12.71%.
- Return on assets -0.87%.
- Efficiency ratio 118.49% vs a 119.40% peer average.
- Loan-to-deposit ratio 50.28% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Bank of Vici has 3 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest Income / Assets 0.91% below tier average
- + Net Interest Margin 0.37% above tier average
- + Efficiency Ratio 0.90% below tier average
Key Concerns
Areas that may need attention
- - Return on Assets 1.87% below tier average
- - Efficiency Ratio 0.90% below tier average
- - Delinquency Rate 11.23% above tier average
- - Nonperforming Asset Ratio 5.09% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$28.9M
-11.7% YoY
-9.0% QoQ
|
-$33.6M |
$62.4M
-0.0% YoY
|
$1.3B
+6.0% YoY
|
$6.3B
+7.7% YoY
|
Bottom 10.8% in tier |
| Total Loans ? |
$13.5M
-13.3% YoY
-7.8% QoQ
|
-$21.4M |
$34.9M
-0.6% YoY
|
$835.5M
+7.1% YoY
|
$3.2B
+9.4% YoY
|
15% |
| Total Deposits ? |
$26.8M
-13.5% YoY
-10.1% QoQ
|
-$24.9M |
$51.6M
-0.2% YoY
|
$967.8M
+5.8% YoY
|
$4.9B
+7.3% YoY
|
17% |
| Return on Assets ? |
-0.87%
+90.2% YoY
-20.2% QoQ
|
-1.87% |
1.00%
+3.5% YoY
|
1.35%
+7.7% YoY
|
1.30%
+12.1% YoY
|
Bottom 6.7% in tier |
| Net Interest Margin ? |
4.28%
+19.7% YoY
-3.3% QoQ
|
+0.37% |
3.91%
+2.3% YoY
|
4.27%
+1.9% YoY
|
3.95%
+4.9% YoY
|
65% |
| Efficiency Ratio ? |
118.49%
-47.9% YoY
+3.5% QoQ
|
-0.90% |
119.40%
+49.6% YoY
|
64.81%
-3.0% YoY
|
70.05%
+2.5% YoY
|
Bottom 7.6% in tier |
| Delinquency Rate ? |
12.71%
+138.4% YoY
+417.0% QoQ
|
+11.23% |
1.48%
+31.8% YoY
|
1.78%
+23.7% YoY
|
0.98%
+16.3% YoY
|
Bottom 1.4% in tier |
| Loan-to-Deposit Ratio ? |
50.28%
+0.2% YoY
+2.5% QoQ
|
-23.93% |
74.21%
+12.6% YoY
|
74.14%
+1.3% YoY
|
79.03%
+2.3% YoY
|
71% |
| Non-Interest-Bearing Deposit Share ? |
27.23%
+1.6% YoY
+3.3% QoQ
|
+3.74% |
23.49%
+0.6% YoY
|
23.91%
-1.8% YoY
|
21.98%
-0.6% YoY
|
66% |
| Nonperforming Asset Ratio ? |
5.93%
+134.0% YoY
+423.7% QoQ
|
+5.09% |
0.84%
+23.0% YoY
|
1.24%
+23.1% YoY
|
0.69%
+15.8% YoY
|
Bottom 1.9% in tier |
| Tier 1 Capital Ratio ? |
10.23%
+19.2% YoY
+12.4% QoQ
|
-16.89% |
27.13%
+3.0% YoY
|
14.18%
-3.9% YoY
|
17.09%
+0.8% YoY
|
Bottom 7.8% in tier |
| Non-Interest Income / Assets ? |
0.47%
+11.6% YoY
+86.8% QoQ
|
-0.91% |
1.38%
+6.3% YoY
|
0.31%
-11.7% YoY
|
0.66%
+5.2% YoY
|
Top 9.3% in tier |
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 |
27.2%
+0.4pp YoY +0.9pp QoQ |
+2.6pp | 24.6% | 23.9% | 22.2% | 64% |
| Brokered Deposits | n/a | n/a | 9.8% | 9.7% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
38.9%
+1.8pp YoY -2.5pp QoQ |
+25.5pp | 13.4% | 15.7% | 12.5% | 96% |
| CRE | n/a | n/a | 25.2% | 42.0% | 41.4% | n/a |
| 1-4 Family |
10.7%
+9.9pp YoY +9.3pp QoQ |
-24.2pp | 35.0% | 24.0% | 31.3% | 23% |
| Consumer |
24.6%
-3.0pp YoY +0.8pp QoQ |
+17.0pp | 7.7% | 5.6% | 5.0% | 96% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 38.7% | 17.0% | 19.7% | n/a |
| Leverage Ratio |
10.2%
+1.7pp YoY +1.1pp QoQ |
-7.5pp | 17.7% | 11.7% | 12.6% | 21% |
| Total Capital Ratio | n/a | n/a | 39.7% | 18.2% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
11
-2 (-15.4%) YoY 0 QoQ |
-1 | 12 | 150 | 482 | 50% |
| Assets per Employee ($) |
$2.6M
+4.3% YoY -9.0% QoQ |
-$3.6M | $6.2M | $6.5M | $8.8M | 6% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 8 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
10.7%
+8.4pp YoY +10.0pp QoQ |
+9.7pp | 1.0% | 0.9% | 0.4% | 98% |
| Nonaccrual |
2.0%
-1.0pp YoY +0.2pp QoQ |
+0.3pp | 1.7% | 1.5% | 1.0% | 74% |
| Allowance Coverage |
0.26x
-36.7% YoY -78.4% QoQ |
-6.15x | 6.41x | 61.99x | 20.23x | 5% |
| Net Charge-off Rate (YTD) |
0.3%
-3.4pp YoY -0.6pp QoQ |
+0.2pp | 0.2% | 0.2% | 0.2% | 85% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
-13.2%
+108.7pp YoY -1.8pp QoQ |
-19.6pp | 6.4% | 11.9% | 11.6% | 4% |
| Cost of Funds (YTD) |
2.0%
-0.6pp YoY 0.0pp QoQ |
+0.6pp | 1.4% | 1.8% | 1.7% | 83% |
| Net Income ($, YTD) |
$-130000.0
+91.4% YoY — QoQ |
-$448K | $317,817 | $8.7M | $40.4M | 8% |
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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.