BlastPoint's Banking Scorecard

Wisdom Heritage Bank

$100M-$1B Specialty: Agricultural OK FDIC cert 9465

Alva, OK

6 branches across OK · KS

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 +8.2% year over year ($505.8M on the books).
Delinquency rate 1.30%.
Return on assets 1.06%.
Efficiency ratio 64.78% vs a 64.48% peer average.
Loan-to-deposit ratio 59.45% 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) →

Wisdom Heritage Bank faces 4 concerns requiring attention

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

No key strengths identified

Key Concerns

Areas that may need attention

- Margin Compression: Bottom 10.4% in tier
- Cost Spiral: Bottom 74.6% in tier
- Net Interest Margin 0.87% below tier average
- Delinquency Rate 0.38% above tier average

Get updates when Wisdom Heritage 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 ?	$601.3M +9.1% YoY +0.1% QoQ	+$214.8M	$386.6M +1.2% YoY	$1.3B +6.0% YoY	$6.3B +7.7% YoY	81%
Total Loans ?	$300.7M +9.9% YoY +1.4% QoQ	+$42.3M	$258.3M +1.7% YoY	$835.5M +7.1% YoY	$3.2B +9.4% YoY	67%
Total Deposits ?	$505.8M +8.2% YoY -2.2% QoQ	+$179.1M	$326.7M +0.7% YoY	$967.8M +5.8% YoY	$4.9B +7.3% YoY	81%
Return on Assets ?	1.06% -51.2% YoY -12.9% QoQ	-0.26%	1.32% +10.8% YoY	1.35% +7.7% YoY	1.30% +12.1% YoY	38%
Net Interest Margin ?	3.12% -16.2% YoY +2.3% QoQ	-0.87%	3.99% +5.0% YoY	4.27% +1.9% YoY	3.95% +4.9% YoY	Bottom 13.2% in tier
Efficiency Ratio ?	64.78% +37.2% YoY +10.4% QoQ	+0.30%	64.48% -3.2% YoY	64.81% -3.0% YoY	70.05% +2.5% YoY	43%
Delinquency Rate ?	1.30% +69.2% YoY -44.1% QoQ	+0.38%	0.92% +15.7% YoY	1.78% +23.7% YoY	0.98% +16.3% YoY	22%
Loan-to-Deposit Ratio ?	59.45% +1.6% YoY +3.8% QoQ	-18.51%	77.95% +1.0% YoY	74.14% +1.3% YoY	79.03% +2.3% YoY	83%
Non-Interest-Bearing Deposit Share ?	26.34% -0.9% YoY +0.2% QoQ	+4.31%	22.03% -0.6% YoY	23.91% -1.8% YoY	21.98% -0.6% YoY	71%
Nonperforming Asset Ratio ?	0.72% +50.4% YoY -41.3% QoQ	+0.05%	0.67% +16.4% YoY	1.24% +23.1% YoY	0.69% +15.8% YoY	30%
Tier 1 Capital Ratio ?	20.69% -13.4% YoY -0.9% QoQ	+4.78%	15.91% +1.4% YoY	14.18% -3.9% YoY	17.09% +0.8% YoY	Top 12.3% in tier
Non-Interest Income / Assets ?	0.12% -13.3% YoY +87.2% QoQ	-0.45%	0.57% +7.6% YoY	0.31% -11.7% YoY	0.66% +5.2% YoY	24%

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	26.3% -0.2pp YoY +0.1pp QoQ	+4.2pp	22.1%	23.9%	22.2%	71%
Brokered Deposits	8.7% +1.2pp YoY -2.4pp QoQ	+0.9pp	7.9%	9.7%	8.5%	71%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
C&I	6.6% -3.5pp YoY -1.0pp QoQ	-5.0pp	11.6%	15.7%	12.5%	30%
CRE	42.1% +0.4pp YoY 0.0pp QoQ	+2.6pp	39.5%	42.0%	41.4%	57%
1-4 Family	1.7% -0.7pp YoY 0.0pp QoQ	-30.9pp	32.6%	24.0%	31.3%	2%
Consumer	0.8% 0.0pp YoY 0.0pp QoQ	-3.3pp	4.1%	5.6%	5.0%	23%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
CET1 Ratio	20.7% -3.2pp YoY -0.2pp QoQ	+1.9pp	18.8%	17.0%	19.7%	80%
Leverage Ratio	14.2% -1.6pp YoY +0.4pp QoQ	+2.0pp	12.2%	11.7%	12.6%	83%
Total Capital Ratio	21.8% -3.3pp YoY -0.2pp QoQ	+1.9pp	19.9%	18.2%	20.8%	80%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
Full-Time Employees	76 0 YoY 0 QoQ	+17	58	150	482	75%
Assets per Employee ($)	$7.9M +9.1% YoY +0.1% QoQ	+$394K	$7.5M	$6.5M	$8.8M	67%
Branch Count	6 0 YoY 0 QoQ	+1	4	8	18	66%

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	1.3% +1.0pp YoY 0.0pp QoQ	+0.4pp	0.9%	1.5%	1.0%	78%
Allowance Coverage	1.22x -54.0% YoY +78.3% QoQ	-22.93x	24.15x	61.99x	20.23x	33%
Net Charge-off Rate (YTD)	-0.1% +0.1pp YoY 0.0pp QoQ	-0.2pp	0.1%	0.2%	0.2%	3%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
ROE	8.4% -8.2pp YoY -1.4pp QoQ	-3.8pp	12.2%	11.9%	11.6%	28%
Cost of Funds (YTD)	2.5% -0.1pp YoY 0.0pp QoQ	+0.8pp	1.7%	1.8%	1.7%	89%
Net Income ($, YTD)	$3.2M -47.3% YoY — QoQ	+$692K	$2.6M	$8.7M	$40.4M	73%

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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 (2)

Margin Compression

decline

#33 of 307 • Bottom 10.4% 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: 1.06%

(Tier: 1.32%, National: 1.30%)

worse than tier avg

307 of 307 Community banks match · 413 nationally

→ Stable +8 banks QoQ | QoQ rank declining

Cost Spiral

risk

#104 of 138 • Bottom 74.6% 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: 64.78%

(Tier: 64.48%, National: 70.05%)

worse than tier avg

138 of 138 Community banks match · 184 nationally

→ Stable +9 banks QoQ | QoQ rank declining

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 (4 metrics)

326

Tier 1 Capital Ratio

capital

Value: 20.69%

Peer Median: 15.91%

#326 of 2643 Top 12.3% in $100M-$1B

438

Loan-to-Deposit Ratio

liquidity

Value: 59.45%

Peer Median: 77.95%

#438 of 2643 Top 16.5% in $100M-$1B

509

Total Assets

size

Value: $601.35M

Peer Median: $386.57M

#509 of 2643 Top 19.2% in $100M-$1B

516

Total Deposits

size

Value: $505.81M

Peer Median: $326.73M

#516 of 2643 Top 19.5% in $100M-$1B

Top Weaknesses (3 metrics)

2295

Net Interest Margin

profitability

Value: 3.12%

Peer Median: 3.99%

#2295 of 2643 Bottom 13.2% in $100M-$1B

2051

Delinquency Rate

credit_quality

Value: 1.30%

Peer Median: 0.92%

#2051 of 2633 Bottom 22.1% in $100M-$1B

2015

Non-Interest Income / Assets

revenue_mix

Value: 0.12%

Peer Median: 0.57%

#2015 of 2643 Bottom 23.8% in $100M-$1B