BlastPoint's Banking Scorecard
Wisdom Heritage Bank
Alva, OK
6 branches across OK · KS
Wisdom Heritage Bank has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 6.60% below tier average
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 9.8% in tier
- - Cost Spiral: Bottom 57.1% in tier
- - Delinquency Rate 1.43% above tier average
- - Net Interest Margin 0.89% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$600.9M
+6.3% YoY
-4.7% QoQ
|
+$214.8M |
$386.1M
+0.5% YoY
|
$1.2B
+6.7% YoY
|
$6.2B
+9.1% YoY
|
81% |
| Total Loans ? |
$296.4M
+0.8% YoY
-9.2% QoQ
|
+$40.7M |
$255.7M
+1.1% YoY
|
$822.6M
+7.2% YoY
|
$3.2B
+10.8% YoY
|
67% |
| Total Deposits ? |
$517.4M
+9.4% YoY
-2.1% QoQ
|
+$189.5M |
$328.0M
+0.1% YoY
|
$956.7M
+4.7% YoY
|
$4.8B
+8.2% YoY
|
81% |
| Return on Assets ? |
1.22%
-43.8% YoY
-41.6% QoQ
|
-0.05% |
1.27%
+12.9% YoY
|
1.34%
+7.6% YoY
|
1.23%
+13.4% YoY
|
51% |
| Net Interest Margin ? |
3.04%
-20.4% YoY
-13.5% QoQ
|
-0.89% |
3.93%
+6.0% YoY
|
4.25%
+2.4% YoY
|
3.89%
+5.7% YoY
|
Bottom 12.8% in tier |
| Efficiency Ratio ? |
58.68%
+31.1% YoY
+17.9% QoQ
|
-6.60% |
65.29%
-4.5% YoY
|
65.16%
-1.8% YoY
|
66.95%
-4.1% YoY
|
64% |
| Delinquency Rate ? |
2.32%
+563.1% YoY
+769.6% QoQ
|
+1.43% |
0.89%
+18.8% YoY
|
1.61%
+16.3% YoY
|
0.95%
+18.8% YoY
|
Bottom 9.5% in tier |
| Loan-to-Deposit Ratio ? |
57.28%
-7.8% YoY
-7.2% QoQ
|
-19.36% |
76.64%
+0.8% YoY
|
73.83%
+1.6% YoY
|
76.70%
+0.9% YoY
|
84% |
| Non-Interest-Bearing Deposit Share ? |
26.28%
-0.5% YoY
+0.3% QoQ
|
+4.26% |
22.02%
-1.0% YoY
|
23.68%
-1.7% YoY
|
22.01%
-1.2% YoY
|
71% |
| Nonperforming Asset Ratio ? |
1.22%
+349.4% YoY
+478.2% QoQ
|
+0.58% |
0.64%
+19.7% YoY
|
1.12%
+15.3% YoY
|
0.67%
+19.3% YoY
|
15% |
| Tier 1 Capital Ratio ? |
20.86%
-6.6% YoY
+6.1% QoQ
|
+5.03% |
15.83%
+1.5% YoY
|
14.36%
-1.8% YoY
|
17.06%
+0.8% YoY
|
Top 11.7% in tier |
| Non-Interest Income / Assets ? |
0.06%
-0.3% YoY
-73.2% QoQ
|
-0.22% |
0.28%
+9.3% YoY
|
0.15%
-5.6% YoY
|
0.32%
+4.1% YoY
|
27% |
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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 (2)
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Cost Spiral
riskHistorically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.