BlastPoint's Banking Scorecard

The State Bank of Wynnewood

$100M-$1B Specialty: Agricultural OK FDIC cert 4232

Wynnewood, OK

2664 banks in the $100M-$1B peer group nationally 107 in OK

The State Bank of Wynnewood has 5 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

+ Profitability Leader: Top 4.0% in tier
+ Revenue Diversifier: Top 4.2% in tier
+ Credit Quality Leader: Top 48.5% in tier
+ Efficiency Ratio 22.51% below tier average
+ Nonperforming Asset Ratio 0.64% below tier average

Key Concerns

Areas that may need attention

- Deposit Outflow: Bottom 45.6% in tier
- Net Interest Margin 0.83% below 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 ?	$114.0M +0.9% YoY +12.5% QoQ	-$272.1M	$386.1M +0.5% YoY	$1.2B +6.7% YoY	$6.2B +9.1% YoY	Bottom 4.2% in tier
Total Loans ?	$48.8M +1.7% YoY +0.2% QoQ	-$206.9M	$255.7M +1.1% YoY	$822.6M +7.2% YoY	$3.2B +10.8% YoY	Bottom 2.9% in tier
Total Deposits ?	$98.6M -1.2% YoY +13.9% QoQ	-$229.4M	$328.0M +0.1% YoY	$956.7M +4.7% YoY	$4.8B +8.2% YoY	Bottom 5.2% in tier
Return on Assets ?	3.00% +217.8% YoY +198.2% QoQ	+1.73%	1.27% +12.9% YoY	1.34% +7.6% YoY	1.23% +13.4% YoY	Top 2.1% in tier
Net Interest Margin ?	3.10% +7.8% YoY +0.2% QoQ	-0.83%	3.93% +6.0% YoY	4.25% +2.4% YoY	3.89% +5.7% YoY	Bottom 14.1% in tier
Efficiency Ratio ?	42.78% -37.4% YoY -37.2% QoQ	-22.51%	65.29% -4.5% YoY	65.16% -1.8% YoY	66.95% -4.1% YoY	Top 6.5% in tier
Delinquency Rate ?	0.00%	-0.89%	0.89% +18.8% YoY	1.61% +16.3% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	49.55% +2.9% YoY -12.1% QoQ	-27.09%	76.64% +0.8% YoY	73.83% +1.6% YoY	76.70% +0.9% YoY	Top 9.0% in tier
Non-Interest-Bearing Deposit Share ?	18.37% -5.3% YoY -9.9% QoQ	-3.65%	22.02% -1.0% YoY	23.68% -1.7% YoY	22.01% -1.2% YoY	38%
Nonperforming Asset Ratio ?	0.00% -100.0% YoY -100.0% QoQ	-0.64%	0.64% +19.7% YoY	1.12% +15.3% YoY	0.67% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	15.89% +10.2% YoY +2.2% QoQ	+0.06%	15.83% +1.5% YoY	14.36% -1.8% YoY	17.06% +0.8% YoY	72%
Non-Interest Income / Assets ?	0.54% +729.8% YoY +104.9% QoQ	+0.26%	0.28% +9.3% YoY	0.15% -5.6% YoY	0.32% +4.1% YoY	Top 3.0% in tier

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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 (3)

Profitability Leader

growth

#28 of 666 • Top 4.0% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 3.00%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ

Revenue Diversifier

growth

#29 of 666 • Top 4.2% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 0.54%

(Tier: 0.28%, National: 0.32%)

better than tier avg

Return on Assets: 3.00%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ

Credit Quality Leader

growth

#323 of 664 • Top 48.5% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature

Delinquency Rate: 0.00%

(Tier: 0.89%, National: 0.95%)

better than tier avg

664 of 664 Community banks match · 922 nationally

→ Stable +2 banks QoQ | QoQ rank improving

Concerns (1)

Deposit Outflow

decline

#232 of 506 • Bottom 45.6% in tier

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

506 of 506 Community banks match · 656 nationally

→ Stable -8 banks QoQ | QoQ rank declining

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 2664 peers in $100M-$1B

Top Strengths (6 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.89%

#1 of 2654 Top 0.1% in $100M-$1B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.64%

#1 of 2664 Top 0.1% in $100M-$1B

Return on Assets

profitability

Value: 3.00%

Peer Median: 1.27%

#56 of 2664 Top 2.1% in $100M-$1B

Non-Interest Income / Assets

revenue_mix

Value: 0.54%

Peer Median: 0.28%

#82 of 2664 Top 3.0% in $100M-$1B

174

Efficiency Ratio

profitability

Value: 42.78%

Peer Median: 65.29%

#174 of 2664 Top 6.5% in $100M-$1B

240

Loan-to-Deposit Ratio

liquidity

Value: 49.55%

Peer Median: 76.64%

#240 of 2664 Top 9.0% in $100M-$1B

Top Weaknesses (4 metrics)

2588

Total Loans

size

Value: $48.85M

Peer Median: $255.72M

#2588 of 2664 Bottom 2.9% in $100M-$1B

2554

Total Assets

size

Value: $114.01M

Peer Median: $386.08M

#2554 of 2664 Bottom 4.2% in $100M-$1B

2527

Total Deposits

size

Value: $98.59M

Peer Median: $327.97M

#2527 of 2664 Bottom 5.2% in $100M-$1B

2290

Net Interest Margin

profitability

Value: 3.10%

Peer Median: 3.93%

#2290 of 2664 Bottom 14.1% in $100M-$1B