BlastPoint's Banking Scorecard
Cattlemens Bank
Community
Specialty: Agricultural
OK
FDIC cert 12285
Altus, OK
1484
banks in Community tier nationally
45 in OK
View Community leaderboard (OK) →
Cattlemens Bank has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 28.66% above tier
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 30% in Community
- - Non-Interest Income / Assets 0.58% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$579.1M
+10.5% YoY
+4.1% QoQ
|
-$812.3M |
$1.4B
+2.0% YoY
|
$1.2B
+6.0% YoY
|
$5.9B
+6.5% YoY
|
Bottom 11% in tier |
| Total Loans ? |
$511.2M
+10.1% YoY
+6.4% QoQ
|
-$464.3M |
$975.5M
+2.4% YoY
|
$796.2M
+5.4% YoY
|
$3.1B
+8.5% YoY
|
33% |
| Total Deposits ? |
$457.5M
+11.2% YoY
+4.7% QoQ
|
-$707.1M |
$1.2B
+1.7% YoY
|
$938.6M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
Bottom 6% in tier |
| Return on Assets ? |
0.97%
-16.3% YoY
+1.9% QoQ
|
-0.20% |
1.16%
+17.2% YoY
|
1.36%
+10.0% YoY
|
1.12%
+15.6% YoY
|
36% |
| Net Interest Margin ? |
4.02%
+9.7% YoY
+0.8% QoQ
|
+0.36% |
3.66%
+9.1% YoY
|
4.26%
+3.2% YoY
|
3.75%
+7.1% YoY
|
71% |
| Efficiency Ratio ? |
62.93%
-4.5% YoY
+0.6% QoQ
|
+0.29% |
62.63%
-5.3% YoY
|
63.62%
-4.9% YoY
|
65.09%
-5.1% YoY
|
48% |
| Delinquency Rate ? |
0.59%
-64.1% YoY
-76.0% QoQ
|
-0.04% |
0.63%
+18.3% YoY
|
0.95%
+12.2% YoY
|
0.66%
+20.3% YoY
|
41% |
| Loan-to-Deposit Ratio ? |
111.73%
-1.0% YoY
+1.6% QoQ
|
+28.66% |
83.06%
+0.3% YoY
|
75.78%
+1.6% YoY
|
78.04%
+0.7% YoY
|
Top 3% in tier |
| Non-Interest-Bearing Deposit Share ? |
15.50%
-8.4% YoY
+1.0% QoQ
|
-5.54% |
21.05%
-0.9% YoY
|
23.21%
-2.4% YoY
|
21.79%
-1.3% YoY
|
28% |
| Nonperforming Asset Ratio ? |
0.54%
-63.2% YoY
-74.9% QoQ
|
+0.04% |
0.50%
+20.3% YoY
|
0.71%
+9.7% YoY
|
0.48%
+20.8% YoY
|
36% |
| Tier 1 Capital Ratio ? |
0.00%
-100.0% YoY
|
-10.24% |
10.24%
-0.6% YoY
|
7.74%
-5.6% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.16%
-36.5% YoY
+12.0% QoQ
|
-0.58% |
0.74%
-1.3% YoY
|
0.68%
-3.1% YoY
|
0.65%
+0.6% YoY
|
Bottom 8% in tier |
Signature Analysis
Strengths (1)
Loan-to-Deposit Ratio
metric
Top 3%
in Community
Why this stands out
Current:
111.73%
(Tier avg: 83.06%, National avg: 78.04%)
Concerns (2)
Margin Compression
decline
#37 of 120 · Bottom 30% in Community
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:
0.97%
(Tier: 1.16%, National: 1.12%)
120 of 120 Community banks match
·
147 nationally
→ Stable
-9 banks QoQ
|
QoQ rank declining
Non-Interest Income / Assets
metric
Bottom 8%
in Community
Why this stands out
Current:
0.16%
(Tier avg: 0.74%, National avg: 0.65%)
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
97
97th pctile
Loan-to-Deposit Ratio
Current: 111.73% · Tier avg: 83.06%
71
71th pctile
Net Interest Margin
Current: 4.02% · Tier avg: 3.66%
48
48th pctile
Efficiency Ratio
Current: 62.93% · Tier avg: 62.63%
41
41th pctile
Delinquency Rate
Current: 0.59% · Tier avg: 0.63%
36
36th pctile
Return on Assets
Current: 0.97% · Tier avg: 1.16%
36
36th pctile
Nonperforming Asset Ratio
Current: 0.54% · Tier avg: 0.50%
33
33th pctile
Total Loans
Current: $511.2M · Tier avg: $975.5M
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
28
28th pctile
Non-Interest-Bearing Deposit Share
Current: 15.50% · Tier avg: 21.05%
11
11th pctile
Total Assets
Current: $579.1M · Tier avg: $1.4B
8
8th pctile
Non-Interest Income / Assets
Current: 0.16% · Tier avg: 0.74%
6
6th pctile
Total Deposits
Current: $457.5M · Tier avg: $1.2B
Top Weaknesses
6
6th pctile
Total Deposits
Current: $457.5M · Tier avg: $1.2B
8
8th pctile
Non-Interest Income / Assets
Current: 0.16% · Tier avg: 0.74%
11
11th pctile
Total Assets
Current: $579.1M · Tier avg: $1.4B
28
28th pctile
Non-Interest-Bearing Deposit Share
Current: 15.50% · Tier avg: 21.05%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
33
33th pctile
Total Loans
Current: $511.2M · Tier avg: $975.5M
36
36th pctile
Nonperforming Asset Ratio
Current: 0.54% · Tier avg: 0.50%
36
36th pctile
Return on Assets
Current: 0.97% · Tier avg: 1.16%
41
41th pctile
Delinquency Rate
Current: 0.59% · Tier avg: 0.63%
48
48th pctile
Efficiency Ratio
Current: 62.93% · Tier avg: 62.63%
71
71th pctile
Net Interest Margin
Current: 4.02% · Tier avg: 3.66%
97
97th pctile
Loan-to-Deposit Ratio
Current: 111.73% · Tier avg: 83.06%