BlastPoint's Banking Scorecard

Bank of Commerce

$100M-$1B Specialty: Commercial OK FDIC cert 57491

Duncan, OK

6 branches across OK

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

Bank of Commerce has 1 strength but faces 6 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

+ Revenue Diversifier: Top 31.7% in tier

Key Concerns

Areas that may need attention

- Capital Thin: Bottom 2.2% in tier
- Deposit Outflow: Bottom 48.8% in tier
- Return on Assets 1.17% below tier average
- Efficiency Ratio 29.69% above tier average
- Net Interest Margin 0.36% below tier average
- Delinquency Rate 0.85% 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 ?	$340.7M -5.7% YoY -3.2% QoQ	-$45.4M	$386.1M +0.5% YoY	$1.2B +6.7% YoY	$6.2B +9.1% YoY	53%
Total Loans ?	$225.6M -14.3% YoY -6.6% QoQ	-$30.1M	$255.7M +1.1% YoY	$822.6M +7.2% YoY	$3.2B +10.8% YoY	55%
Total Deposits ?	$299.6M -2.7% YoY -2.0% QoQ	-$28.4M	$328.0M +0.1% YoY	$956.7M +4.7% YoY	$4.8B +8.2% YoY	54%
Return on Assets ?	0.10% -20.8% YoY -81.2% QoQ	-1.17%	1.27% +12.9% YoY	1.34% +7.6% YoY	1.23% +13.4% YoY	Bottom 4.7% in tier
Net Interest Margin ?	3.57% +5.8% YoY -7.0% QoQ	-0.36%	3.93% +6.0% YoY	4.25% +2.4% YoY	3.89% +5.7% YoY	34%
Efficiency Ratio ?	94.98% +0.7% YoY +14.2% QoQ	+29.69%	65.29% -4.5% YoY	65.16% -1.8% YoY	66.95% -4.1% YoY	Bottom 3.9% in tier
Delinquency Rate ?	1.73% -41.7% YoY -0.2% QoQ	+0.85%	0.89% +18.8% YoY	1.61% +16.3% YoY	0.95% +18.8% YoY	15%
Loan-to-Deposit Ratio ?	75.31% -11.9% YoY -4.7% QoQ	-1.33%	76.64% +0.8% YoY	73.83% +1.6% YoY	76.70% +0.9% YoY	57%
Non-Interest-Bearing Deposit Share ?	11.55% +0.2% YoY +10.9% QoQ	-10.47%	22.02% -1.0% YoY	23.68% -1.7% YoY	22.01% -1.2% YoY	Bottom 14.1% in tier
Nonperforming Asset Ratio ?	1.47% -40.2% YoY -2.3% QoQ	+0.84%	0.64% +19.7% YoY	1.12% +15.3% YoY	0.67% +19.3% YoY	Bottom 11.7% in tier
Tier 1 Capital Ratio ?	10.22% +5.2% YoY +1.7% QoQ	-5.61%	15.83% +1.5% YoY	14.36% -1.8% YoY	17.06% +0.8% YoY	Bottom 12.2% in tier
Non-Interest Income / Assets ?	0.52% -47.5% YoY -89.3% QoQ	+0.24%	0.28% +9.3% YoY	0.15% -5.6% YoY	0.32% +4.1% YoY	Top 3.2% 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 (1)

Revenue Diversifier

growth

#212 of 666 • Top 31.7% 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: 0.52%

(Tier: 0.28%, National: 0.32%)

better than tier avg

Return on Assets: 0.10%

(Tier: 1.27%, National: 1.23%)

but worse than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank declining

Concerns (2)

Capital Thin

risk

#16 of 666 • Bottom 2.2% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature

Tier 1 Capital Ratio: 10.22%

(Tier: 15.83%, National: 17.06%)

worse than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank declining

Deposit Outflow

decline

#248 of 506 • Bottom 48.8% 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 (1 metrics)

Non-Interest Income / Assets

revenue_mix

Value: 0.52%

Peer Median: 0.28%

#85 of 2664 Top 3.2% in $100M-$1B

Top Weaknesses (6 metrics)

2560

Efficiency Ratio

profitability

Value: 94.98%

Peer Median: 65.29%

#2560 of 2664 Bottom 3.9% in $100M-$1B

2541

Return on Assets

profitability

Value: 0.10%

Peer Median: 1.27%

#2541 of 2664 Bottom 4.7% in $100M-$1B

2353

Nonperforming Asset Ratio

credit_quality

Value: 1.47%

Peer Median: 0.64%

#2353 of 2664 Bottom 11.7% in $100M-$1B

2339

Tier 1 Capital Ratio

capital

Value: 10.22%

Peer Median: 15.83%

#2339 of 2664 Bottom 12.2% in $100M-$1B

2289

Non-Interest-Bearing Deposit Share

funding

Value: 11.55%

Peer Median: 22.02%

#2289 of 2664 Bottom 14.1% in $100M-$1B

2251

Delinquency Rate

credit_quality

Value: 1.73%

Peer Median: 0.89%

#2251 of 2654 Bottom 15.2% in $100M-$1B