BlastPoint's Banking Scorecard
The Bank of Beaver City
Micro
Specialty: Agricultural
OK
FDIC cert 11862
Designations: ✓ Community bank
Beaver, OK
2498
banks in Micro tier nationally
121 in OK
View Micro leaderboard (OK) →
The Bank of Beaver City demonstrates 1 strength
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$180.2M
+2.4% YoY
+3.5% QoQ
|
-$37.3M |
$217.5M
+2.3% YoY
|
$1.2B
+6.0% YoY
|
$5.9B
+6.5% YoY
|
46% |
| Total Loans ? |
$106.6M
+2.6% YoY
-0.6% QoQ
|
-$32.6M |
$139.2M
+2.8% YoY
|
$796.2M
+5.4% YoY
|
$3.1B
+8.5% YoY
|
45% |
| Total Deposits ? |
$162.3M
+0.6% YoY
+3.7% QoQ
|
-$21.4M |
$183.7M
+1.8% YoY
|
$938.6M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
49% |
| Return on Assets ? |
1.23%
+72.1% YoY
+0.7% QoQ
|
+0.15% |
1.08%
+14.7% YoY
|
1.36%
+10.0% YoY
|
1.12%
+15.6% YoY
|
60% |
| Net Interest Margin ? |
3.72%
+22.7% YoY
+1.0% QoQ
|
-0.14% |
3.85%
+6.6% YoY
|
4.26%
+3.2% YoY
|
3.75%
+7.1% YoY
|
45% |
| Efficiency Ratio ? |
67.58%
-15.1% YoY
-0.4% QoQ
|
-0.15% |
67.73%
-4.8% YoY
|
63.62%
-4.9% YoY
|
65.09%
-5.1% YoY
|
46% |
| Delinquency Rate ? |
0.00%
-100.0% YoY
|
-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 ? |
65.70%
+2.1% YoY
-4.2% QoQ
|
-8.83% |
74.53%
+0.5% YoY
|
75.78%
+1.6% YoY
|
78.04%
+0.7% YoY
|
68% |
| Non-Interest-Bearing Deposit Share ? |
27.64%
+11.6% YoY
+15.0% QoQ
|
+5.24% |
22.39%
-1.3% YoY
|
23.21%
-2.4% YoY
|
21.79%
-1.3% YoY
|
72% |
| Nonperforming Asset Ratio ? |
0.02%
-91.5% YoY
-51.7% QoQ
|
-0.43% |
0.45%
+25.1% YoY
|
0.71%
+9.7% YoY
|
0.48%
+20.8% YoY
|
78% |
| Tier 1 Capital Ratio ? |
0.00%
-100.0% YoY
|
-8.85% |
8.85%
-3.4% YoY
|
7.74%
-5.6% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.47%
-32.8% YoY
+25.1% QoQ
|
-0.09% |
0.56%
+0.3% YoY
|
0.68%
-3.1% YoY
|
0.65%
+0.6% YoY
|
66% |
Signature Analysis
Strengths (1)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Concerns (0)
No concerns identified
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%
78
78th pctile
Nonperforming Asset Ratio
Current: 0.02% · Tier avg: 0.45%
72
72th pctile
Non-Interest-Bearing Deposit Share
Current: 27.64% · Tier avg: 22.39%
68
68th pctile
Loan-to-Deposit Ratio
Current: 65.70% · Tier avg: 74.53%
66
66th pctile
Non-Interest Income / Assets
Current: 0.47% · Tier avg: 0.56%
60
60th pctile
Return on Assets
Current: 1.23% · Tier avg: 1.08%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
49
49th pctile
Total Deposits
Current: $162.3M · Tier avg: $183.7M
46
46th pctile
Efficiency Ratio
Current: 67.58% · Tier avg: 67.73%
46
46th pctile
Total Assets
Current: $180.2M · Tier avg: $217.5M
45
45th pctile
Total Loans
Current: $106.6M · Tier avg: $139.2M
45
45th pctile
Net Interest Margin
Current: 3.72% · Tier avg: 3.85%
Top Weaknesses
45
45th pctile
Net Interest Margin
Current: 3.72% · Tier avg: 3.85%
45
45th pctile
Total Loans
Current: $106.6M · Tier avg: $139.2M
46
46th pctile
Total Assets
Current: $180.2M · Tier avg: $217.5M
46
46th pctile
Efficiency Ratio
Current: 67.58% · Tier avg: 67.73%
49
49th pctile
Total Deposits
Current: $162.3M · Tier avg: $183.7M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
60
60th pctile
Return on Assets
Current: 1.23% · Tier avg: 1.08%
66
66th pctile
Non-Interest Income / Assets
Current: 0.47% · Tier avg: 0.56%
68
68th pctile
Loan-to-Deposit Ratio
Current: 65.70% · Tier avg: 74.53%
72
72th pctile
Non-Interest-Bearing Deposit Share
Current: 27.64% · Tier avg: 22.39%
78
78th pctile
Nonperforming Asset Ratio
Current: 0.02% · Tier avg: 0.45%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%