BlastPoint's Banking Scorecard

Community Bank

$100M-$1B Specialty: Commercial OK FDIC cert 8975

Designations: ✓ CDFI-certified

Bristow, OK

2 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 +10.4% year over year ($106.9M on the books).
Delinquency rate 0.87%.
Return on assets 2.13%.
Efficiency ratio 55.13% vs a 64.48% peer average.
Loan-to-deposit ratio 90.09% 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) →

Community Bank has 4 strengths but faces 1 concern

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 30.1% in tier
+ Net Interest Margin 2.06% above tier average
+ ROA 0.81% above tier average
+ Efficiency Ratio 9.34% below tier average

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 26.2% in tier

Get updates when Community Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
Total Assets ?	$119.1M +9.3% YoY +4.0% QoQ	-$267.5M	$386.6M +1.2% YoY	$1.3B +6.0% YoY	$6.3B +7.7% YoY	Bottom 5.3% in tier
Total Loans ?	$96.3M +7.0% YoY +2.0% QoQ	-$162.0M	$258.3M +1.7% YoY	$835.5M +7.1% YoY	$3.2B +9.4% YoY	17%
Total Deposits ?	$106.9M +10.4% YoY +3.9% QoQ	-$219.8M	$326.7M +0.7% YoY	$967.8M +5.8% YoY	$4.9B +7.3% YoY	Bottom 7.7% in tier
Return on Assets ?	2.13% -18.1% YoY +2.1% QoQ	+0.81%	1.32% +10.8% YoY	1.35% +7.7% YoY	1.30% +12.1% YoY	Top 10.4% in tier
Net Interest Margin ?	6.04% -4.0% YoY +0.8% QoQ	+2.06%	3.99% +5.0% YoY	4.27% +1.9% YoY	3.95% +4.9% YoY	Top 1.4% in tier
Efficiency Ratio ?	55.13% +8.0% YoY -2.4% QoQ	-9.34%	64.48% -3.2% YoY	64.81% -3.0% YoY	70.05% +2.5% YoY	72%
Delinquency Rate ?	0.87% +325.5% YoY +346.2% QoQ	-0.04%	0.92% +15.7% YoY	1.78% +23.7% YoY	0.98% +16.3% YoY	32%
Loan-to-Deposit Ratio ?	90.09% -3.1% YoY -1.8% QoQ	+12.14%	77.95% +1.0% YoY	74.14% +1.3% YoY	79.03% +2.3% YoY	26%
Non-Interest-Bearing Deposit Share ?	24.07% -7.0% YoY -4.5% QoQ	+2.04%	22.03% -0.6% YoY	23.91% -1.8% YoY	21.98% -0.6% YoY	63%
Nonperforming Asset Ratio ?	0.88% +97.3% YoY +188.9% QoQ	+0.21%	0.67% +16.4% YoY	1.24% +23.1% YoY	0.69% +15.8% YoY	23%
Tier 1 Capital Ratio ?	10.09% -34.8% YoY +1.1% QoQ	-5.82%	15.91% +1.4% YoY	14.18% -3.9% YoY	17.09% +0.8% YoY	Bottom 12.1% in tier
Non-Interest Income / Assets ?	0.44% -20.8% YoY +104.8% QoQ	-0.13%	0.57% +7.6% YoY	0.31% -11.7% YoY	0.66% +5.2% YoY	Top 12.1% in tier

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	24.1% -1.8pp YoY -1.1pp QoQ	+1.9pp	22.1%	23.9%	22.2%	63%
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	8.2% -1.1pp YoY -1.0pp QoQ	-3.3pp	11.6%	15.7%	12.5%	42%
CRE	35.3% +3.2pp YoY +0.1pp QoQ	-4.2pp	39.5%	42.0%	41.4%	44%
1-4 Family	44.2% +0.1pp YoY +1.1pp QoQ	+11.6pp	32.6%	24.0%	31.3%	76%
Consumer	4.5% -0.7pp YoY -0.2pp QoQ	+0.4pp	4.1%	5.6%	5.0%	74%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	18.8%	17.0%	19.7%	n/a
Leverage Ratio	10.1% -0.7pp YoY +0.1pp QoQ	-2.1pp	12.2%	11.7%	12.6%	34%
Total Capital Ratio	n/a	n/a	19.9%	18.2%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
Full-Time Employees	29 -1 (-3.3%) YoY -1 (-3.3%) QoQ	-30	58	150	482	25%
Assets per Employee ($)	$4.1M +13.1% YoY +7.6% QoQ	-$3.4M	$7.5M	$6.5M	$8.8M	5%
Branch Count	2 0 YoY 0 QoQ	-3	4	8	18	11%

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	0.9% +0.7pp YoY +0.7pp QoQ	-0.1pp	0.9%	1.5%	1.0%	68%
Allowance Coverage	1.34x -76.5% YoY -77.2% QoQ	-22.81x	24.15x	61.99x	20.23x	36%
Net Charge-off Rate (YTD)	0.0% +0.1pp YoY	-0.1pp	0.1%	0.2%	0.2%	64%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
ROE	21.8% -3.7pp YoY +0.2pp QoQ	+9.6pp	12.2%	11.9%	11.6%	92%
Cost of Funds (YTD)	1.3% +0.1pp YoY 0.0pp QoQ	-0.4pp	1.7%	1.8%	1.7%	23%
Net Income ($, YTD)	$1.2M -13.6% YoY — QoQ	-$1.3M	$2.6M	$8.7M	$40.4M	34%

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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

#200 of 661 • Top 30.1% 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: 0.44%

(Tier: 0.57%, National: 0.66%)

but worse than tier avg

Return on Assets: 2.13%

(Tier: 1.32%, National: 1.30%)

better than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | QoQ rank improving

Concerns (1)

Liquidity Strain

risk

#182 of 691 • Bottom 26.2% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 90.09%

(Tier: 77.95%, National: 79.03%)

worse than tier avg

691 of 691 Community banks match · 1092 nationally

→ Stable +81 banks QoQ | QoQ rank improving

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 2643 peers in $100M-$1B

Top Strengths (3 metrics)

Net Interest Margin

profitability

Value: 6.04%

Peer Median: 3.99%

#39 of 2643 Top 1.4% in $100M-$1B

276

Return on Assets

profitability

Value: 2.13%

Peer Median: 1.32%

#276 of 2643 Top 10.4% in $100M-$1B

321

Non-Interest Income / Assets

revenue_mix

Value: 0.44%

Peer Median: 0.57%

#321 of 2643 Top 12.1% in $100M-$1B

Top Weaknesses (5 metrics)

2503

Total Assets

size

Value: $119.08M

Peer Median: $386.57M

#2503 of 2643 Bottom 5.3% in $100M-$1B

2440

Total Deposits

size

Value: $106.93M

Peer Median: $326.73M

#2440 of 2643 Bottom 7.7% in $100M-$1B

2325

Tier 1 Capital Ratio

capital

Value: 10.09%

Peer Median: 15.91%

#2325 of 2643 Bottom 12.1% in $100M-$1B

2182

Total Loans

size

Value: $96.34M

Peer Median: $258.35M

#2182 of 2643 Bottom 17.5% in $100M-$1B

2028

Nonperforming Asset Ratio

credit_quality

Value: 0.88%

Peer Median: 0.67%

#2028 of 2643 Bottom 23.3% in $100M-$1B