BlastPoint's Banking Scorecard
COMMUNITY BANK OF OKLAHOMA
Designations: ✓ Community bank
Verden, OK
3 branches across 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 -5.3% year over year ($59.4M on the books).
- Delinquency rate 1.85%.
- Return on assets 0.67%.
- Efficiency ratio 83.87% vs a 119.40% peer average.
- Loan-to-deposit ratio 62.09% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
COMMUNITY BANK OF OKLAHOMA has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 24.44% above tier average
- + Net Interest Margin 0.79% above tier average
- + Efficiency Ratio 35.52% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.33% below tier average
- - Delinquency Rate 0.37% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$67.3M
-4.0% YoY
-7.2% QoQ
|
+$4.8M |
$62.4M
-0.0% YoY
|
$1.3B
+6.0% YoY
|
$6.3B
+7.7% YoY
|
53% |
| Total Loans ? |
$36.9M
-3.8% YoY
-5.2% QoQ
|
+$2.0M |
$34.9M
-0.6% YoY
|
$835.5M
+7.1% YoY
|
$3.2B
+9.4% YoY
|
57% |
| Total Deposits ? |
$59.4M
-5.3% YoY
-7.9% QoQ
|
+$7.7M |
$51.6M
-0.2% YoY
|
$967.8M
+5.8% YoY
|
$4.9B
+7.3% YoY
|
57% |
| Return on Assets ? |
0.67%
-46.4% YoY
-64.8% QoQ
|
-0.33% |
1.00%
+3.5% YoY
|
1.35%
+7.7% YoY
|
1.30%
+12.1% YoY
|
34% |
| Net Interest Margin ? |
4.70%
+25.4% YoY
+6.8% QoQ
|
+0.79% |
3.91%
+2.3% YoY
|
4.27%
+1.9% YoY
|
3.95%
+4.9% YoY
|
80% |
| Efficiency Ratio ? |
83.87%
+20.1% YoY
+39.8% QoQ
|
-35.52% |
119.40%
+49.6% YoY
|
64.81%
-3.0% YoY
|
70.05%
+2.5% YoY
|
24% |
| Delinquency Rate ? |
1.85%
-42.6% YoY
-52.6% QoQ
|
+0.37% |
1.48%
+31.8% YoY
|
1.78%
+23.7% YoY
|
0.98%
+16.3% YoY
|
23% |
| Loan-to-Deposit Ratio ? |
62.09%
+1.5% YoY
+2.9% QoQ
|
-12.12% |
74.21%
+12.6% YoY
|
74.14%
+1.3% YoY
|
79.03%
+2.3% YoY
|
57% |
| Non-Interest-Bearing Deposit Share ? |
47.93%
+5.3% YoY
-3.6% QoQ
|
+24.44% |
23.49%
+0.6% YoY
|
23.91%
-1.8% YoY
|
21.98%
-0.6% YoY
|
Top 3.4% in tier |
| Nonperforming Asset Ratio ? |
1.01%
-42.5% YoY
-51.6% QoQ
|
+0.18% |
0.84%
+23.0% YoY
|
1.24%
+23.1% YoY
|
0.69%
+15.8% YoY
|
24% |
| Tier 1 Capital Ratio ? |
12.10%
-22.6% YoY
-2.9% QoQ
|
-15.02% |
27.13%
+3.0% YoY
|
14.18%
-3.9% YoY
|
17.09%
+0.8% YoY
|
24% |
| Non-Interest Income / Assets ? |
0.30%
-6.5% YoY
+103.4% QoQ
|
-1.08% |
1.38%
+6.3% YoY
|
0.31%
-11.7% YoY
|
0.66%
+5.2% YoY
|
84% |
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 |
47.9%
+2.4pp YoY -1.8pp QoQ |
+23.3pp | 24.6% | 23.9% | 22.2% | 96% |
| 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 |
40.0%
+1.4pp YoY -3.6pp QoQ |
+26.6pp | 13.4% | 15.7% | 12.5% | 96% |
| CRE | n/a | n/a | 25.2% | 42.0% | 41.4% | n/a |
| 1-4 Family |
3.4%
0.0pp YoY +0.1pp QoQ |
-31.5pp | 35.0% | 24.0% | 31.3% | 11% |
| Consumer |
8.9%
-1.3pp YoY -1.3pp QoQ |
+1.2pp | 7.7% | 5.6% | 5.0% | 73% |
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 |
12.1%
+0.8pp YoY -0.4pp QoQ |
-5.6pp | 17.7% | 11.7% | 12.6% | 41% |
| 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 |
17
+1 (+6.2%) YoY 0 QoQ |
+5 | 12 | 150 | 482 | 81% |
| Assets per Employee ($) |
$4.0M
-9.7% YoY -7.2% QoQ |
-$2.2M | $6.2M | $6.5M | $8.8M | 19% |
| Branch Count |
3
0 YoY 0 QoQ |
+1 | 1 | 8 | 18 | 89% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
1.7%
+1.6pp YoY +0.9pp QoQ |
+0.7pp | 1.0% | 0.9% | 0.4% | 85% |
| Nonaccrual |
0.2%
-3.0pp YoY -2.9pp QoQ |
-1.6pp | 1.7% | 1.5% | 1.0% | 21% |
| Allowance Coverage |
0.60x
+139.3% YoY +122.6% QoQ |
-5.81x | 6.41x | 61.99x | 20.23x | 28% |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.2% | 0.2% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
6.0%
-7.1pp YoY -10.8pp QoQ |
-0.4pp | 6.4% | 11.9% | 11.6% | 38% |
| Cost of Funds (YTD) |
1.3%
-0.3pp YoY +0.1pp QoQ |
-0.1pp | 1.4% | 1.8% | 1.7% | 43% |
| Net Income ($, YTD) |
$223,000
-49.7% YoY — QoQ |
-$95K | $317,817 | $8.7M | $40.4M | 41% |
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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.