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Community Bank

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

Designations: ✓ CDFI-certified

Bristow, OK

2 branches across OK

2664 banks in the $100M-$1B peer group nationally 107 in OK
View $100M-$1B leaderboard (OK) →

Community Bank has 5 strengths but faces 3 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 30.3% in tier
  • + Net Interest Margin 2.06% above tier average
  • + ROA 0.82% above tier average
  • + Efficiency Ratio 8.79% below tier average
  • + Delinquency Rate 0.69% below tier average

Key Concerns

Areas that may need attention

  • - Cost Spiral: Bottom 11.1% in tier
  • - Capital Thin: Bottom 33.2% in tier
  • - Margin Compression: Bottom 66.9% in tier
Get updates when Community Bank releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
Total Assets ? $114.5M
+4.2% YoY +2.8% QoQ
-$271.6M $386.1M
+0.5% YoY
$1.2B
+6.7% YoY
$6.2B
+9.1% YoY
Bottom 4.3% in tier
Total Loans ? $94.5M
+13.0% YoY +2.0% QoQ
-$161.3M $255.7M
+1.1% YoY
$822.6M
+7.2% YoY
$3.2B
+10.8% YoY
18%
Total Deposits ? $102.9M
+5.2% YoY +2.4% QoQ
-$225.0M $328.0M
+0.1% YoY
$956.7M
+4.7% YoY
$4.8B
+8.2% YoY
Bottom 6.8% in tier
Return on Assets ? 2.09%
-17.0% YoY -16.4% QoQ
+0.82% 1.27%
+12.9% YoY
1.34%
+7.6% YoY
1.23%
+13.4% YoY
Top 10.5% in tier
Net Interest Margin ? 5.99%
-1.5% YoY -5.4% QoQ
+2.06% 3.93%
+6.0% YoY
4.25%
+2.4% YoY
3.89%
+5.7% YoY
Top 1.4% in tier
Efficiency Ratio ? 56.49%
+10.0% YoY +9.6% QoQ
-8.79% 65.29%
-4.5% YoY
65.16%
-1.8% YoY
66.95%
-4.1% YoY
70%
Delinquency Rate ? 0.20%
-11.5% YoY -3.5% QoQ
-0.69% 0.89%
+18.8% YoY
1.61%
+16.3% YoY
0.95%
+18.8% YoY
65%
Loan-to-Deposit Ratio ? 91.76%
+7.4% YoY -0.4% QoQ
+15.12% 76.64%
+0.8% YoY
73.83%
+1.6% YoY
76.70%
+0.9% YoY
21%
Non-Interest-Bearing Deposit Share ? 25.19%
-5.0% YoY +5.1% QoQ
+3.17% 22.02%
-1.0% YoY
23.68%
-1.7% YoY
22.01%
-1.2% YoY
67%
Nonperforming Asset Ratio ? 0.30%
+80.5% YoY -3.5% QoQ
-0.33% 0.64%
+19.7% YoY
1.12%
+15.3% YoY
0.67%
+19.3% YoY
50%
Tier 1 Capital Ratio ? 9.99%
-35.5% YoY -25.3% QoQ
-5.84% 15.83%
+1.5% YoY
14.36%
-1.8% YoY
17.06%
+0.8% YoY
Bottom 9.6% in tier
Non-Interest Income / Assets ? 0.21%
-24.0% YoY -78.9% QoQ
-0.07% 0.28%
+9.3% YoY
0.15%
-5.6% YoY
0.32%
+4.1% YoY
Top 12.0% in tier

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
#203 of 666 • Top 30.3% 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: 0.21%
(Tier: 0.28%, National: 0.32%)
but worse than tier avg
Return on Assets: 2.09%
(Tier: 1.27%, National: 1.23%)
better than tier avg
666 of 666 Community banks match · 926 nationally
→ Stable +3 banks QoQ | QoQ rank declining

Concerns (3)

Cost Spiral

risk
#15 of 126 • Bottom 11.1% in tier

Historically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.

Why this signature
Efficiency Ratio: 56.49%
(Tier: 65.29%, National: 66.95%)
better than tier avg
126 of 126 Community banks match · 176 nationally
↑ Growing +82 banks QoQ

Capital Thin

risk
#222 of 666 • Bottom 33.2% 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: 9.99%
(Tier: 15.83%, National: 17.06%)
worse than tier avg
666 of 666 Community banks match · 926 nationally
→ Stable +3 banks QoQ

Margin Compression

decline
#205 of 305 • Bottom 66.9% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature
Return on Assets: 2.09%
(Tier: 1.27%, National: 1.23%)
better than tier avg
305 of 305 Community banks match · 407 nationally
↑ Growing +94 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).
Comparing against 2664 peers in $100M-$1B

Top Strengths (3 metrics)

39
Net Interest Margin
profitability
Value: 5.99%
Peer Median: 3.93%
#39 of 2664 Top 1.4% in $100M-$1B
282
Return on Assets
profitability
Value: 2.09%
Peer Median: 1.27%
#282 of 2664 Top 10.5% in $100M-$1B
322
Non-Interest Income / Assets
revenue_mix
Value: 0.21%
Peer Median: 0.28%
#322 of 2664 Top 12.0% in $100M-$1B

Top Weaknesses (5 metrics)

2550
Total Assets
size
Value: $114.46M
Peer Median: $386.08M
#2550 of 2664 Bottom 4.3% in $100M-$1B
2484
Total Deposits
size
Value: $102.94M
Peer Median: $327.97M
#2484 of 2664 Bottom 6.8% in $100M-$1B
2409
Tier 1 Capital Ratio
capital
Value: 9.99%
Peer Median: 15.83%
#2409 of 2664 Bottom 9.6% in $100M-$1B
2193
Total Loans
size
Value: $94.45M
Peer Median: $255.72M
#2193 of 2664 Bottom 17.7% in $100M-$1B
2104
Loan-to-Deposit Ratio
liquidity
Value: 91.76%
Peer Median: 76.64%
#2104 of 2664 Bottom 21.1% in $100M-$1B
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