BlastPoint's Banking Scorecard
Anchor D Bank
Texhoma, OK
4 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 +3.2% year over year ($330.1M on the books).
- Delinquency rate 0.00%.
- Return on assets 1.80%.
- Efficiency ratio 56.40% vs a 64.48% peer average.
- Loan-to-deposit ratio 70.01% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Anchor D Bank has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 45.8% in tier
- + ROA 0.47% above tier average
- + Efficiency Ratio 8.08% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.36% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$404.5M
+10.3% YoY
+3.9% QoQ
|
+$17.9M |
$386.6M
+1.2% YoY
|
$1.3B
+6.0% YoY
|
$6.3B
+7.7% YoY
|
62% |
| Total Loans ? |
$231.1M
+7.6% YoY
+5.2% QoQ
|
-$27.2M |
$258.3M
+1.7% YoY
|
$835.5M
+7.1% YoY
|
$3.2B
+9.4% YoY
|
55% |
| Total Deposits ? |
$330.1M
+3.2% YoY
-2.6% QoQ
|
+$3.4M |
$326.7M
+0.7% YoY
|
$967.8M
+5.8% YoY
|
$4.9B
+7.3% YoY
|
60% |
| Return on Assets ? |
1.80%
+2.7% YoY
-4.6% QoQ
|
+0.47% |
1.32%
+10.8% YoY
|
1.35%
+7.7% YoY
|
1.30%
+12.1% YoY
|
80% |
| Net Interest Margin ? |
3.62%
-4.4% YoY
+2.3% QoQ
|
-0.36% |
3.99%
+5.0% YoY
|
4.27%
+1.9% YoY
|
3.95%
+4.9% YoY
|
33% |
| Efficiency Ratio ? |
56.40%
+4.1% YoY
-1.5% QoQ
|
-8.08% |
64.48%
-3.2% YoY
|
64.81%
-3.0% YoY
|
70.05%
+2.5% YoY
|
68% |
| Delinquency Rate ? |
0.00%
-100.0% QoQ
|
-0.92% |
0.92%
+15.7% YoY
|
1.78%
+23.7% YoY
|
0.98%
+16.3% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
70.01%
+4.2% YoY
+8.0% QoQ
|
-7.94% |
77.95%
+1.0% YoY
|
74.14%
+1.3% YoY
|
79.03%
+2.3% YoY
|
69% |
| Non-Interest-Bearing Deposit Share ? |
22.12%
+2.4% YoY
+1.8% QoQ
|
+0.09% |
22.03%
-0.6% YoY
|
23.91%
-1.8% YoY
|
21.98%
-0.6% YoY
|
55% |
| Nonperforming Asset Ratio ? |
0.01%
-12.4% YoY
-89.6% QoQ
|
-0.66% |
0.67%
+16.4% YoY
|
1.24%
+23.1% YoY
|
0.69%
+15.8% YoY
|
Top 13.2% in tier |
| Tier 1 Capital Ratio ? |
12.02%
-5.0% YoY
-7.3% QoQ
|
-3.89% |
15.91%
+1.4% YoY
|
14.18%
-3.9% YoY
|
17.09%
+0.8% YoY
|
36% |
| Non-Interest Income / Assets ? |
0.22%
-8.6% YoY
+101.4% QoQ
|
-0.35% |
0.57%
+7.6% YoY
|
0.31%
-11.7% YoY
|
0.66%
+5.2% YoY
|
56% |
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 |
22.1%
+0.5pp YoY +0.4pp QoQ |
0.0pp | 22.1% | 23.9% | 22.2% | 55% |
| Brokered Deposits |
0.0%
-6.4pp YoY -3.0pp QoQ |
-7.8pp | 7.9% | 9.7% | 8.5% | 5% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
14.2%
-1.6pp YoY -0.7pp QoQ |
+2.7pp | 11.6% | 15.7% | 12.5% | 73% |
| CRE |
14.0%
-2.3pp YoY -0.6pp QoQ |
-25.5pp | 39.5% | 42.0% | 41.4% | 9% |
| 1-4 Family |
11.4%
-2.0pp YoY -0.5pp QoQ |
-21.3pp | 32.6% | 24.0% | 31.3% | 13% |
| Consumer |
2.8%
-0.5pp YoY -0.3pp QoQ |
-1.3pp | 4.1% | 5.6% | 5.0% | 58% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
12.0%
-0.6pp YoY -1.0pp QoQ |
-6.8pp | 18.8% | 17.0% | 19.7% | 17% |
| Leverage Ratio |
10.5%
+0.4pp YoY +0.3pp QoQ |
-1.6pp | 12.2% | 11.7% | 12.6% | 42% |
| Total Capital Ratio |
13.0%
-0.8pp YoY -1.0pp QoQ |
-7.0pp | 19.9% | 18.2% | 20.8% | 15% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
58
+3 (+5.5%) YoY -1 (-1.7%) QoQ |
-1 | 58 | 150 | 482 | 61% |
| Assets per Employee ($) |
$7.0M
+4.6% YoY +5.7% QoQ |
-$544K | $7.5M | $6.5M | $8.8M | 52% |
| Branch Count |
4
0 YoY 0 QoQ |
-1 | 4 | 8 | 18 | 42% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.9% | 0.4% | n/a |
| Nonaccrual | n/a | n/a | 0.9% | 1.5% | 1.0% | n/a |
| Allowance Coverage | n/a | n/a | 24.15x | 61.99x | 20.23x | n/a |
| Net Charge-off Rate (YTD) |
-0.0%
0.0pp YoY 0.0pp QoQ |
-0.2pp | 0.1% | 0.2% | 0.2% | 11% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
18.2%
-1.5pp YoY -1.1pp QoQ |
+6.0pp | 12.2% | 11.9% | 11.6% | 82% |
| Cost of Funds (YTD) |
2.1%
-0.4pp YoY -0.1pp QoQ |
+0.4pp | 1.7% | 1.8% | 1.7% | 76% |
| Net Income ($, YTD) |
$3.6M
+9.7% YoY — QoQ |
+$1.0M | $2.6M | $8.7M | $40.4M | 76% |
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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 (1)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.