BlastPoint's Banking Scorecard
Watermark Bank
Oklahoma City, 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 +29.7% year over year ($387.4M on the books).
- Delinquency rate 0.00%.
- Return on assets 1.34%.
- Efficiency ratio 55.33% vs a 64.48% peer average.
- Loan-to-deposit ratio 97.12% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Watermark Bank shows strong momentum with 4 strengths and 26.7% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.92% below tier average
- + Nonperforming Asset Ratio 0.67% below tier average
- + Net Interest Margin 0.28% above tier average
- + Efficiency Ratio 9.14% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$450.5M
+26.7% YoY
+4.9% QoQ
|
+$64.0M |
$386.6M
+1.2% YoY
|
$1.3B
+6.0% YoY
|
$6.3B
+7.7% YoY
|
67% |
| Total Loans ? |
$376.2M
+26.0% YoY
+6.3% QoQ
|
+$117.9M |
$258.3M
+1.7% YoY
|
$835.5M
+7.1% YoY
|
$3.2B
+9.4% YoY
|
77% |
| Total Deposits ? |
$387.4M
+29.7% YoY
+5.3% QoQ
|
+$60.6M |
$326.7M
+0.7% YoY
|
$967.8M
+5.8% YoY
|
$4.9B
+7.3% YoY
|
68% |
| Return on Assets ? |
1.34%
+13.0% YoY
+10.9% QoQ
|
+0.01% |
1.32%
+10.8% YoY
|
1.35%
+7.7% YoY
|
1.30%
+12.1% YoY
|
55% |
| Net Interest Margin ? |
4.26%
+1.3% YoY
+2.0% QoQ
|
+0.28% |
3.99%
+5.0% YoY
|
4.27%
+1.9% YoY
|
3.95%
+4.9% YoY
|
68% |
| Efficiency Ratio ? |
55.33%
-9.0% YoY
-7.4% QoQ
|
-9.14% |
64.48%
-3.2% YoY
|
64.81%
-3.0% YoY
|
70.05%
+2.5% YoY
|
71% |
| Delinquency Rate ? | 0.00% | -0.92% |
0.92%
+15.7% YoY
|
1.78%
+23.7% YoY
|
0.98%
+16.3% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
97.12%
-2.8% YoY
+1.0% QoQ
|
+19.16% |
77.95%
+1.0% YoY
|
74.14%
+1.3% YoY
|
79.03%
+2.3% YoY
|
Bottom 13.5% in tier |
| Non-Interest-Bearing Deposit Share ? |
19.62%
-5.6% YoY
+10.1% QoQ
|
-2.41% |
22.03%
-0.6% YoY
|
23.91%
-1.8% YoY
|
21.98%
-0.6% YoY
|
44% |
| Nonperforming Asset Ratio ? | 0.00% | -0.67% |
0.67%
+16.4% YoY
|
1.24%
+23.1% YoY
|
0.69%
+15.8% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
14.11%
-10.3% YoY
-3.0% QoQ
|
-1.80% |
15.91%
+1.4% YoY
|
14.18%
-3.9% YoY
|
17.09%
+0.8% YoY
|
58% |
| Non-Interest Income / Assets ? |
0.09%
-34.0% YoY
+171.7% QoQ
|
-0.48% |
0.57%
+7.6% YoY
|
0.31%
-11.7% YoY
|
0.66%
+5.2% YoY
|
15% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 |
19.6%
-1.2pp YoY +1.8pp QoQ |
-2.5pp | 22.1% | 23.9% | 22.2% | 43% |
| Brokered Deposits |
14.5%
+9.8pp YoY -1.8pp QoQ |
+6.6pp | 7.9% | 9.7% | 8.5% | 84% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
39.1%
+5.5pp YoY +5.5pp QoQ |
+27.5pp | 11.6% | 15.7% | 12.5% | 98% |
| CRE |
41.7%
-2.9pp YoY -4.7pp QoQ |
+2.2pp | 39.5% | 42.0% | 41.4% | 56% |
| 1-4 Family |
16.7%
-1.7pp YoY -0.7pp QoQ |
-15.9pp | 32.6% | 24.0% | 31.3% | 23% |
| Consumer |
0.1%
-0.1pp YoY 0.0pp QoQ |
-4.0pp | 4.1% | 5.6% | 5.0% | 5% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
14.1%
-1.6pp YoY -0.5pp QoQ |
-4.7pp | 18.8% | 17.0% | 19.7% | 40% |
| Leverage Ratio |
13.3%
-1.3pp YoY +0.1pp QoQ |
+1.1pp | 12.2% | 11.7% | 12.6% | 77% |
| Total Capital Ratio |
15.4%
-1.6pp YoY -0.4pp QoQ |
-4.6pp | 19.9% | 18.2% | 20.8% | 41% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
34
0 YoY -1 (-2.9%) QoQ |
-25 | 58 | 150 | 482 | 33% |
| Assets per Employee ($) |
$13.3M
+26.7% YoY +8.0% QoQ |
+$5.7M | $7.5M | $6.5M | $8.8M | 95% |
| Branch Count |
1
0 YoY 0 QoQ |
-4 | 4 | 8 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.9% | 0.4% | n/a |
| Nonaccrual | n/a | n/a | 0.9% | 1.5% | 1.0% | n/a |
| Allowance Coverage | n/a | n/a | 24.15x | 61.99x | 20.23x | n/a |
| Net Charge-off Rate (YTD) |
-0.0%
0.0pp YoY 0.0pp QoQ |
-0.2pp | 0.1% | 0.2% | 0.2% | 11% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
10.4%
+1.7pp YoY +1.1pp QoQ |
-1.8pp | 12.2% | 11.9% | 11.6% | 39% |
| Cost of Funds (YTD) |
2.2%
-0.3pp YoY 0.0pp QoQ |
+0.5pp | 1.7% | 1.8% | 1.7% | 81% |
| Net Income ($, YTD) |
$2.9M
+33.6% YoY — QoQ |
+$313K | $2.6M | $8.7M | $40.4M | 68% |
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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 (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.