BlastPoint's Banking Scorecard
The Exchange Bank
Micro
Specialty: Other
OK
FDIC cert 10672
Designations: ✓ Community bank
Skiatook, OK
2498
banks in Micro tier nationally
121 in OK
View Micro leaderboard (OK) →
The Exchange Bank has 2 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Nonperforming Asset Ratio 0.45% below tier
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 36.10% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$153.1M
+5.8% YoY
-0.7% QoQ
|
-$64.3M |
$217.5M
+2.3% YoY
|
$1.2B
+6.0% YoY
|
$5.9B
+6.5% YoY
|
39% |
| Total Loans ? |
$52.7M
-5.6% YoY
+3.4% QoQ
|
-$86.5M |
$139.2M
+2.8% YoY
|
$796.2M
+5.4% YoY
|
$3.1B
+8.5% YoY
|
21% |
| Total Deposits ? |
$137.2M
+4.4% YoY
-1.3% QoQ
|
-$46.5M |
$183.7M
+1.8% YoY
|
$938.6M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
41% |
| Return on Assets ? |
1.02%
+24.6% YoY
+9.3% QoQ
|
-0.06% |
1.08%
+14.7% YoY
|
1.36%
+10.0% YoY
|
1.12%
+15.6% YoY
|
48% |
| Net Interest Margin ? |
3.99%
+1.7% YoY
+0.3% QoQ
|
+0.14% |
3.85%
+6.6% YoY
|
4.26%
+3.2% YoY
|
3.75%
+7.1% YoY
|
58% |
| Efficiency Ratio ? |
68.22%
-8.2% YoY
+0.3% QoQ
|
+0.49% |
67.73%
-4.8% YoY
|
63.62%
-4.9% YoY
|
65.09%
-5.1% YoY
|
44% |
| Delinquency Rate ? |
0.00%
-100.0% YoY
-100.0% QoQ
|
-0.64% |
0.64%
+24.4% YoY
|
0.95%
+12.2% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
38.42%
-9.5% YoY
+4.8% QoQ
|
-36.10% |
74.53%
+0.5% YoY
|
75.78%
+1.6% YoY
|
78.04%
+0.7% YoY
|
Bottom 5% in tier |
| Non-Interest-Bearing Deposit Share ? |
20.72%
-9.3% YoY
+2.5% QoQ
|
-1.68% |
22.39%
-1.3% YoY
|
23.21%
-2.4% YoY
|
21.79%
-1.3% YoY
|
46% |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% YoY
-100.0% QoQ
|
-0.45% |
0.45%
+25.1% YoY
|
0.71%
+9.7% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
7.74%
-5.6% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.71%
-1.6% YoY
+31.5% QoQ
|
+0.15% |
0.56%
+0.3% YoY
|
0.68%
-3.1% YoY
|
0.65%
+0.6% YoY
|
83% |
Signature Analysis
Strengths (2)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
Concerns (1)
Loan-to-Deposit Ratio
metric
Bottom 5%
in Micro
Why this stands out
Current:
38.42%
(Tier avg: 74.53%, National avg: 78.04%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
83
83th pctile
Non-Interest Income / Assets
Current: 0.71% · Tier avg: 0.56%
58
58th pctile
Net Interest Margin
Current: 3.99% · Tier avg: 3.85%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
48
48th pctile
Return on Assets
Current: 1.02% · Tier avg: 1.08%
46
46th pctile
Non-Interest-Bearing Deposit Share
Current: 20.72% · Tier avg: 22.39%
44
44th pctile
Efficiency Ratio
Current: 68.22% · Tier avg: 67.73%
41
41th pctile
Total Deposits
Current: $137.2M · Tier avg: $183.7M
39
39th pctile
Total Assets
Current: $153.1M · Tier avg: $217.5M
21
21th pctile
Total Loans
Current: $52.7M · Tier avg: $139.2M
5
5th pctile
Loan-to-Deposit Ratio
Current: 38.42% · Tier avg: 74.53%
Top Weaknesses
5
5th pctile
Loan-to-Deposit Ratio
Current: 38.42% · Tier avg: 74.53%
21
21th pctile
Total Loans
Current: $52.7M · Tier avg: $139.2M
39
39th pctile
Total Assets
Current: $153.1M · Tier avg: $217.5M
41
41th pctile
Total Deposits
Current: $137.2M · Tier avg: $183.7M
44
44th pctile
Efficiency Ratio
Current: 68.22% · Tier avg: 67.73%
46
46th pctile
Non-Interest-Bearing Deposit Share
Current: 20.72% · Tier avg: 22.39%
48
48th pctile
Return on Assets
Current: 1.02% · Tier avg: 1.08%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
58
58th pctile
Net Interest Margin
Current: 3.99% · Tier avg: 3.85%
83
83th pctile
Non-Interest Income / Assets
Current: 0.71% · Tier avg: 0.56%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%