BlastPoint's Banking Scorecard

COMMUNITY BANK OF OKLAHOMA

under $100M Specialty: Commercial OK FDIC cert 4217

Designations: ✓ Community bank

Verden, OK

3 branches across OK

541 banks in the under $100M peer group nationally 38 in OK

COMMUNITY BANK OF OKLAHOMA has 4 strengths but faces 2 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-Bearing Deposit Share 26.00% above tier average
+ ROA 1.06% above tier average
+ Net Interest Margin 0.54% above tier average
+ Efficiency Ratio 28.34% below tier average

Key Concerns

Areas that may need attention

- Delinquency Rate 2.53% above tier average
- Nonperforming Asset Ratio 1.31% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
Total Assets ?	$72.5M -8.8% YoY +18.9% QoQ	+$10.3M	$62.2M -0.6% YoY	$1.2B +6.7% YoY	$6.2B +9.1% YoY	60%
Total Loans ?	$38.9M +2.8% YoY -0.1% QoQ	+$4.6M	$34.2M -1.4% YoY	$822.6M +7.2% YoY	$3.2B +10.8% YoY	61%
Total Deposits ?	$64.4M -10.9% YoY +22.2% QoQ	+$12.7M	$51.7M -0.7% YoY	$956.7M +4.7% YoY	$4.8B +8.2% YoY	65%
Return on Assets ?	1.90% +104.7% YoY +49.9% QoQ	+1.06%	0.84% -2.3% YoY	1.34% +7.6% YoY	1.23% +13.4% YoY	Top 11.6% in tier
Net Interest Margin ?	4.40% +21.2% YoY +6.4% QoQ	+0.54%	3.86% +2.8% YoY	4.25% +2.4% YoY	3.89% +5.7% YoY	73%
Efficiency Ratio ?	60.00% -22.0% YoY -13.2% QoQ	-28.34%	88.34% +0.3% YoY	65.16% -1.8% YoY	66.95% -4.1% YoY	73%
Delinquency Rate ?	3.90% +5.5% YoY +24.6% QoQ	+2.53%	1.37% +33.8% YoY	1.61% +16.3% YoY	0.95% +18.8% YoY	Bottom 9.0% in tier
Loan-to-Deposit Ratio ?	60.37% +15.4% YoY -18.2% QoQ	-3.85%	64.22% -0.7% YoY	73.83% +1.6% YoY	76.70% +0.9% YoY	57%
Non-Interest-Bearing Deposit Share ?	49.71% +3.8% YoY -15.0% QoQ	+26.00%	23.71% +0.3% YoY	23.68% -1.7% YoY	22.01% -1.2% YoY	Top 3.5% in tier
Nonperforming Asset Ratio ?	2.10% +18.9% YoY +4.7% QoQ	+1.31%	0.79% +28.2% YoY	1.12% +15.3% YoY	0.67% +19.3% YoY	Bottom 10.0% in tier
Tier 1 Capital Ratio ?	12.46% +6.9% YoY -5.0% QoQ	-14.22%	26.68% +2.0% YoY	14.36% -1.8% YoY	17.06% +0.8% YoY	27%
Non-Interest Income / Assets ?	0.15% +2.9% YoY -81.7% QoQ	-0.52%	0.67% +1.9% YoY	0.15% -5.6% YoY	0.32% +4.1% YoY	84%

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$250B+

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 (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).

Compare against:

Comparing against 541 peers in under $100M

Top Strengths (3 metrics)

Non-Interest-Bearing Deposit Share

funding

Value: 49.71%

Peer Median: 23.71%

#20 of 541 Top 3.5% in under $100M

Return on Assets

profitability

Value: 1.90%

Peer Median: 0.84%

#64 of 541 Top 11.6% in under $100M

Non-Interest Income / Assets

revenue_mix

Value: 0.15%

Peer Median: 0.67%

#88 of 541 Top 16.1% in under $100M

Top Weaknesses (2 metrics)

475

Delinquency Rate

credit_quality

Value: 3.90%

Peer Median: 1.37%

#475 of 521 Bottom 9.0% in under $100M

488

Nonperforming Asset Ratio

credit_quality

Value: 2.10%

Peer Median: 0.79%

#488 of 541 Bottom 10.0% in under $100M