BlastPoint

BlastPoint's Banking Scorecard

YNB

$100M-$1B Specialty: Commercial OK FDIC cert 4235

Yukon, OK

5 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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 106 in OK.
  • Deposits +5.1% year over year ($232.5M on the books).
  • Delinquency rate 0.40%.
  • Return on assets 0.55%.
  • Efficiency ratio 84.45% vs a 64.48% peer average.
  • Loan-to-deposit ratio 62.16% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 106 in OK
View $100M-$1B leaderboard (OK) →

YNB has 1 strength but faces 4 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

  • + Delinquency Rate 0.52% below tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 39.9% in tier
  • - Efficiency Drag: Bottom 46.3% in tier
  • - ROA 0.77% below tier average
  • - Net Interest Margin 0.24% below tier average
Get updates when YNB releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
Total Assets ? $261.4M
+8.3% YoY -3.2% QoQ
-$125.2M $386.6M
+1.2% YoY
$1.3B
+6.0% YoY
$6.3B
+7.7% YoY
39%
Total Loans ? $144.5M
+16.6% YoY +8.9% QoQ
-$113.8M $258.3M
+1.7% YoY
$835.5M
+7.1% YoY
$3.2B
+9.4% YoY
33%
Total Deposits ? $232.5M
+5.1% YoY -6.7% QoQ
-$94.2M $326.7M
+0.7% YoY
$967.8M
+5.8% YoY
$4.9B
+7.3% YoY
41%
Return on Assets ? 0.55%
+28.0% YoY +8.5% QoQ
-0.77% 1.32%
+10.8% YoY
1.35%
+7.7% YoY
1.30%
+12.1% YoY
Bottom 13.7% in tier
Net Interest Margin ? 3.75%
+4.0% YoY +1.8% QoQ
-0.24% 3.99%
+5.0% YoY
4.27%
+1.9% YoY
3.95%
+4.9% YoY
39%
Efficiency Ratio ? 84.45%
-4.5% YoY -1.7% QoQ
+19.97% 64.48%
-3.2% YoY
64.81%
-3.0% YoY
70.05%
+2.5% YoY
Bottom 9.6% in tier
Delinquency Rate ? 0.40%
+206.2% YoY -63.1% QoQ
-0.52% 0.92%
+15.7% YoY
1.78%
+23.7% YoY
0.98%
+16.3% YoY
51%
Loan-to-Deposit Ratio ? 62.16%
+11.0% YoY +16.8% QoQ
-15.80% 77.95%
+1.0% YoY
74.14%
+1.3% YoY
79.03%
+2.3% YoY
80%
Non-Interest-Bearing Deposit Share ? 30.11%
-2.7% YoY +6.6% QoQ
+8.08% 22.03%
-0.6% YoY
23.91%
-1.8% YoY
21.98%
-0.6% YoY
82%
Nonperforming Asset Ratio ? 0.79%
+50.1% QoQ
+0.13% 0.67%
+16.4% YoY
1.24%
+23.1% YoY
0.69%
+15.8% YoY
27%
Tier 1 Capital Ratio ? 12.25%
-10.0% YoY -4.4% QoQ
-3.66% 15.91%
+1.4% YoY
14.18%
-3.9% YoY
17.09%
+0.8% YoY
39%
Non-Interest Income / Assets ? 0.22%
-8.0% YoY +109.3% QoQ
-0.35% 0.57%
+7.6% YoY
0.31%
-11.7% YoY
0.66%
+5.2% YoY
55%

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 30.1%
-0.8pp YoY
+1.9pp QoQ
 +8.0pp 22.1% 23.9% 22.2% 82%
Brokered Deposits n/a n/a 7.9% 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 8.0%
+2.3pp YoY
-0.3pp QoQ
 -3.5pp 11.6% 15.7% 12.5% 41%
CRE 50.7%
+0.3pp YoY
+1.8pp QoQ
 +11.2pp 39.5% 42.0% 41.4% 71%
1-4 Family 32.7%
-2.2pp YoY
-0.8pp QoQ
 +0.1pp 32.6% 24.0% 31.3% 57%
Consumer 8.9%
-0.5pp YoY
-0.6pp QoQ
 +4.8pp 4.1% 5.6% 5.0% 90%

Capital

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
CET1 Ratio 12.2%
-1.4pp YoY
-0.6pp QoQ
 -6.6pp 18.8% 17.0% 19.7% 19%
Leverage Ratio 8.5%
-0.5pp YoY
0.0pp QoQ
 -3.7pp 12.2% 11.7% 12.6% 5%
Total Capital Ratio 12.9%
-1.5pp YoY
-0.6pp 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 64
-3 (-4.5%) YoY
0 QoQ
 +5 58 150 482 66%
Assets per Employee ($) $4.1M
+13.3% YoY
-3.2% QoQ
 -$3.4M $7.5M $6.5M $8.8M 5%
Branch Count 5
0 YoY
0 QoQ
 0 4 8 18 55%

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 0.4%
+0.3pp YoY
+0.3pp QoQ
 -0.5pp 0.9% 1.5% 1.0% 47%
Allowance Coverage 1.96x
-72.2% YoY
+156.7% QoQ
 -22.20x 24.15x 61.99x 20.23x 47%
Net Charge-off Rate (YTD) 0.1%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.2% 0.2% 67%

Profitability

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
ROE 7.0%
+1.6pp YoY
+0.5pp QoQ
 -5.1pp 12.2% 11.9% 11.6% 21%
Cost of Funds (YTD) 1.6%
+0.1pp YoY
0.0pp QoQ
 -0.1pp 1.7% 1.8% 1.7% 46%
Net Income ($, YTD) $718,000
+40.5% YoY
— QoQ
 -$1.8M $2.6M $8.7M $40.4M 17%

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 (2)

Credit Quality Pressure

risk
#502 of 1256 • Bottom 39.9% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.40%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank improving

Efficiency Drag

risk
#168 of 361 • Bottom 46.3% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature
Efficiency Ratio: 84.45%
(Tier: 64.48%, National: 70.05%)
worse than tier avg
361 of 361 Community banks match · 426 nationally
↓ Shrinking -64 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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (2 metrics)

467
Non-Interest-Bearing Deposit Share
funding
Value: 30.11%
Peer Median: 22.03%
#467 of 2643 Top 17.6% in $100M-$1B
523
Loan-to-Deposit Ratio
liquidity
Value: 62.16%
Peer Median: 77.95%
#523 of 2643 Top 19.8% in $100M-$1B

Top Weaknesses (2 metrics)

2390
Efficiency Ratio
profitability
Value: 84.45%
Peer Median: 64.48%
#2390 of 2643 Bottom 9.6% in $100M-$1B
2281
Return on Assets
profitability
Value: 0.55%
Peer Median: 1.32%
#2281 of 2643 Bottom 13.7% in $100M-$1B
Powered by BlastPoint © 2026