BlastPoint's Banking Scorecard

Great Nations Bank

$100M-$1B Specialty: Commercial OK FDIC cert 58680

Norman, OK

3 branches across OK

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

Great Nations Bank has 2 strengths but faces 7 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 0.89% below tier average
+ Nonperforming Asset Ratio 0.64% below tier average

Key Concerns

Areas that may need attention

- Flatlined Growth: Bottom 5.9% in tier
- Capital Thin: Bottom 7.8% in tier
- Efficiency Drag: Bottom 20.5% in tier
- Non-Interest-Bearing Deposit Share 13.43% below tier average
- Non-Interest Income / Assets 0.26% below tier average
- ROA 0.67% below tier average
- Net Interest Margin 0.11% 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 -1.0% YoY -0.3% QoQ	-$272.0M	$386.1M +0.5% YoY	$1.2B +6.7% YoY	$6.2B +9.1% YoY	Bottom 4.2% in tier
Total Loans ?	$88.6M -5.3% YoY +2.0% QoQ	-$167.1M	$255.7M +1.1% YoY	$822.6M +7.2% YoY	$3.2B +10.8% YoY	15%
Total Deposits ?	$100.8M -2.2% YoY -0.4% QoQ	-$227.1M	$328.0M +0.1% YoY	$956.7M +4.7% YoY	$4.8B +8.2% YoY	Bottom 5.9% in tier
Return on Assets ?	0.60% -4.3% YoY -36.8% QoQ	-0.67%	1.27% +12.9% YoY	1.34% +7.6% YoY	1.23% +13.4% YoY	16%
Net Interest Margin ?	3.82% +3.1% YoY +0.1% QoQ	-0.11%	3.93% +6.0% YoY	4.25% +2.4% YoY	3.89% +5.7% YoY	48%
Efficiency Ratio ?	81.29% +1.3% YoY +13.0% QoQ	+16.00%	65.29% -4.5% YoY	65.16% -1.8% YoY	66.95% -4.1% YoY	Bottom 14.0% 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 ?	87.88% -3.2% YoY +2.4% QoQ	+11.24%	76.64% +0.8% YoY	73.83% +1.6% YoY	76.70% +0.9% YoY	29%
Non-Interest-Bearing Deposit Share ?	8.59% +1.8% YoY +3.9% QoQ	-13.43%	22.02% -1.0% YoY	23.68% -1.7% YoY	22.01% -1.2% YoY	Bottom 8.3% in tier
Nonperforming Asset Ratio ?	0.00% -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 ?	10.10% -16.8% YoY -30.7% QoQ	-5.73%	15.83% +1.5% YoY	14.36% -1.8% YoY	17.06% +0.8% YoY	Bottom 10.8% in tier
Non-Interest Income / Assets ?	0.02% -45.1% YoY -85.2% QoQ	-0.26%	0.28% +9.3% YoY	0.15% -5.6% YoY	0.32% +4.1% YoY	Bottom 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 (0)

No matched strength signatures this quarter

Concerns (3)

Flatlined Growth

risk

#31 of 512 • Bottom 5.9% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature

Return on Assets: 0.60%

(Tier: 1.27%, National: 1.23%)

worse than tier avg

512 of 512 Community banks match · 687 nationally

→ Stable +32 banks QoQ

Capital Thin

risk

#53 of 666 • Bottom 7.8% 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: 10.10%

(Tier: 15.83%, National: 17.06%)

worse than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ

Efficiency Drag

risk

#86 of 414 • Bottom 20.5% in tier

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

Why this signature

Efficiency Ratio: 81.29%

(Tier: 65.29%, National: 66.95%)

worse than tier avg

414 of 414 Community banks match · 492 nationally

→ Stable

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 (2 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

Top Weaknesses (8 metrics)

2581

Non-Interest Income / Assets

revenue_mix

Value: 0.02%

Peer Median: 0.28%

#2581 of 2664 Bottom 3.2% in $100M-$1B

2553

Total Assets

size

Value: $114.04M

Peer Median: $386.08M

#2553 of 2664 Bottom 4.2% in $100M-$1B

2508

Total Deposits

size

Value: $100.85M

Peer Median: $327.97M

#2508 of 2664 Bottom 5.9% in $100M-$1B

2445

Non-Interest-Bearing Deposit Share

funding

Value: 8.59%

Peer Median: 22.02%

#2445 of 2664 Bottom 8.3% in $100M-$1B

2376

Tier 1 Capital Ratio

capital

Value: 10.10%

Peer Median: 15.83%

#2376 of 2664 Bottom 10.8% in $100M-$1B

2293

Efficiency Ratio

profitability

Value: 81.29%

Peer Median: 65.29%

#2293 of 2664 Bottom 14.0% in $100M-$1B

2264

Total Loans

size

Value: $88.62M

Peer Median: $255.72M

#2264 of 2664 Bottom 15.1% in $100M-$1B

2238

Return on Assets

profitability

Value: 0.60%

Peer Median: 1.27%

#2238 of 2664 Bottom 16.0% in $100M-$1B