BlastPoint's Banking Scorecard
BANK360
Designations: ✓ Community bank
Cordell, OK
2 branches across OK
BANK360 has 3 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.84% above tier average
- + Net Interest Margin 0.98% above tier average
- + Efficiency Ratio 24.56% below tier average
Key Concerns
Areas that may need attention
- - Delinquency Rate 2.54% above tier average
- - Loan-to-Deposit Ratio 41.12% above tier average
- - Nonperforming Asset Ratio 2.77% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$59.6M
-6.7% YoY
-5.9% QoQ
|
-$2.6M |
$62.2M
-0.6% YoY
|
$1.2B
+6.7% YoY
|
$6.2B
+9.1% YoY
|
45% |
| Total Loans ? |
$54.1M
+13.3% YoY
+6.1% QoQ
|
+$19.9M |
$34.2M
-1.4% YoY
|
$822.6M
+7.2% YoY
|
$3.2B
+10.8% YoY
|
82% |
| Total Deposits ? |
$51.4M
-8.1% YoY
-6.8% QoQ
|
-$375K |
$51.7M
-0.7% YoY
|
$956.7M
+4.7% YoY
|
$4.8B
+8.2% YoY
|
48% |
| Return on Assets ? |
1.67%
-28.2% YoY
+10.1% QoQ
|
+0.84% |
0.84%
-2.3% YoY
|
1.34%
+7.6% YoY
|
1.23%
+13.4% YoY
|
83% |
| Net Interest Margin ? |
4.84%
-7.2% YoY
+2.0% QoQ
|
+0.98% |
3.86%
+2.8% YoY
|
4.25%
+2.4% YoY
|
3.89%
+5.7% YoY
|
85% |
| Efficiency Ratio ? |
63.78%
+14.4% YoY
-6.2% QoQ
|
-24.56% |
88.34%
+0.3% YoY
|
65.16%
-1.8% YoY
|
66.95%
-4.1% YoY
|
67% |
| Delinquency Rate ? |
3.92%
-7.4% YoY
-5.4% QoQ
|
+2.54% |
1.37%
+33.8% YoY
|
1.61%
+16.3% YoY
|
0.95%
+18.8% YoY
|
Bottom 8.8% in tier |
| Loan-to-Deposit Ratio ? |
105.34%
+23.3% YoY
+13.8% QoQ
|
+41.12% |
64.22%
-0.7% YoY
|
73.83%
+1.6% YoY
|
76.70%
+0.9% YoY
|
Bottom 4.4% in tier |
| Non-Interest-Bearing Deposit Share ? |
17.67%
+21.0% YoY
+4.5% QoQ
|
-6.05% |
23.71%
+0.3% YoY
|
23.68%
-1.7% YoY
|
22.01%
-1.2% YoY
|
32% |
| Nonperforming Asset Ratio ? |
3.56%
+12.4% YoY
+6.7% QoQ
|
+2.77% |
0.79%
+28.2% YoY
|
1.12%
+15.3% YoY
|
0.67%
+19.3% YoY
|
Bottom 3.7% in tier |
| Tier 1 Capital Ratio ? |
14.53%
-15.0% YoY
-5.1% QoQ
|
-12.15% |
26.68%
+2.0% YoY
|
14.36%
-1.8% YoY
|
17.06%
+0.8% YoY
|
43% |
| Non-Interest Income / Assets ? |
0.07%
+7.2% YoY
-75.1% QoQ
|
-0.60% |
0.67%
+1.9% YoY
|
0.15%
-5.6% YoY
|
0.32%
+4.1% YoY
|
54% |
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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.