BlastPoint's Banking Scorecard
The Idabel National Bank
Idabel, OK
The Idabel National Bank has 1 strength but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 12.46% below tier average
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 30.2% in tier
- - Delinquency Rate 8.83% above tier average
- - Nonperforming Asset Ratio 5.79% above tier average
- - ROA 0.43% below tier average
- - Net Interest Margin 0.64% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$250.8M
-2.3% YoY
-1.1% QoQ
|
-$135.3M |
$386.1M
+0.5% YoY
|
$1.2B
+6.7% YoY
|
$6.2B
+9.1% YoY
|
37% |
| Total Loans ? |
$160.2M
-13.1% YoY
-2.9% QoQ
|
-$95.5M |
$255.7M
+1.1% YoY
|
$822.6M
+7.2% YoY
|
$3.2B
+10.8% YoY
|
39% |
| Total Deposits ? |
$209.3M
-1.9% YoY
-0.9% QoQ
|
-$118.7M |
$328.0M
+0.1% YoY
|
$956.7M
+4.7% YoY
|
$4.8B
+8.2% YoY
|
37% |
| Return on Assets ? |
0.84%
+27.1% YoY
+63.8% QoQ
|
-0.43% |
1.27%
+12.9% YoY
|
1.34%
+7.6% YoY
|
1.23%
+13.4% YoY
|
28% |
| Net Interest Margin ? |
3.29%
+10.4% YoY
+3.8% QoQ
|
-0.64% |
3.93%
+6.0% YoY
|
4.25%
+2.4% YoY
|
3.89%
+5.7% YoY
|
21% |
| Efficiency Ratio ? |
52.82%
-8.3% YoY
-6.5% QoQ
|
-12.46% |
65.29%
-4.5% YoY
|
65.16%
-1.8% YoY
|
66.95%
-4.1% YoY
|
79% |
| Delinquency Rate ? |
9.72%
+18.1% YoY
-1.9% QoQ
|
+8.83% |
0.89%
+18.8% YoY
|
1.61%
+16.3% YoY
|
0.95%
+18.8% YoY
|
Bottom 0.3% in tier |
| Loan-to-Deposit Ratio ? |
76.54%
-11.4% YoY
-2.0% QoQ
|
-0.10% |
76.64%
+0.8% YoY
|
73.83%
+1.6% YoY
|
76.70%
+0.9% YoY
|
54% |
| Non-Interest-Bearing Deposit Share ? |
17.86%
-0.2% YoY
+3.4% QoQ
|
-4.16% |
22.02%
-1.0% YoY
|
23.68%
-1.7% YoY
|
22.01%
-1.2% YoY
|
36% |
| Nonperforming Asset Ratio ? |
6.43%
+6.8% YoY
-1.6% QoQ
|
+5.79% |
0.64%
+19.7% YoY
|
1.12%
+15.3% YoY
|
0.67%
+19.3% YoY
|
Bottom 0.5% in tier |
| Tier 1 Capital Ratio ? |
22.01%
+14.1% YoY
+4.1% QoQ
|
+6.18% |
15.83%
+1.5% YoY
|
14.36%
-1.8% YoY
|
17.06%
+0.8% YoY
|
Top 10.1% in tier |
| Non-Interest Income / Assets ? |
0.05%
-18.2% YoY
-79.1% QoQ
|
-0.23% |
0.28%
+9.3% YoY
|
0.15%
-5.6% YoY
|
0.32%
+4.1% YoY
|
21% |
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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 (1)
Liquidity Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.