BlastPoint's Banking Scorecard
The Hopeton State Bank
Micro
Specialty: Agricultural
OK
FDIC cert 12585
Designations: ✓ Community bank
Hopeton, OK
2498
banks in Micro tier nationally
121 in OK
View Micro leaderboard (OK) →
The Hopeton State Bank has 2 strengths but faces 3 concerns
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
- - Net Interest Margin 1.65% below tier
- - Efficiency Ratio 61.29% above tier
- - Non-Interest Income / Assets 0.50% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$31.6M
+19.9% YoY
+0.2% QoQ
|
-$185.9M |
$217.5M
+2.3% YoY
|
$1.2B
+6.0% YoY
|
$5.9B
+6.5% YoY
|
Bottom 3% in tier |
| Total Loans ? |
$13.6M
+0.7% YoY
+8.6% QoQ
|
-$125.6M |
$139.2M
+2.8% YoY
|
$796.2M
+5.4% YoY
|
$3.1B
+8.5% YoY
|
Bottom 4% in tier |
| Total Deposits ? |
$25.5M
+5.8% YoY
+0.3% QoQ
|
-$158.2M |
$183.7M
+1.8% YoY
|
$938.6M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
Bottom 4% in tier |
| Return on Assets ? |
0.30%
+443.5% YoY
+151.4% QoQ
|
-0.78% |
1.08%
+14.7% YoY
|
1.36%
+10.0% YoY
|
1.12%
+15.6% YoY
|
Bottom 12% in tier |
| Net Interest Margin ? |
2.20%
-39.5% YoY
+30.0% QoQ
|
-1.65% |
3.85%
+6.6% YoY
|
4.26%
+3.2% YoY
|
3.75%
+7.1% YoY
|
Bottom 3% in tier |
| Efficiency Ratio ? |
129.02%
+28.7% YoY
+7.6% QoQ
|
+61.29% |
67.73%
-4.8% YoY
|
63.62%
-4.9% YoY
|
65.09%
-5.1% YoY
|
Bottom 1% in tier |
| 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 ? |
53.48%
-4.8% YoY
+8.3% QoQ
|
-21.04% |
74.53%
+0.5% YoY
|
75.78%
+1.6% YoY
|
78.04%
+0.7% YoY
|
83% |
| Non-Interest-Bearing Deposit Share ? |
24.23%
+7.5% YoY
-3.7% QoQ
|
+1.83% |
22.39%
-1.3% YoY
|
23.21%
-2.4% YoY
|
21.79%
-1.3% YoY
|
60% |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% YoY
|
-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 ? |
0.07%
-68.1% YoY
+90.5% QoQ
|
-0.50% |
0.56%
+0.3% YoY
|
0.68%
-3.1% YoY
|
0.65%
+0.6% YoY
|
Bottom 4% in tier |
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 (3)
Net Interest Margin
metric
Bottom 3%
in Micro
Why this stands out
Current:
2.20%
(Tier avg: 3.85%, National avg: 3.75%)
Efficiency Ratio
metric
Bottom 1%
in Micro
Why this stands out
Current:
129.02%
(Tier avg: 67.73%, National avg: 65.09%)
Non-Interest Income / Assets
metric
Bottom 4%
in Micro
Why this stands out
Current:
0.07%
(Tier avg: 0.56%, 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
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
Loan-to-Deposit Ratio
Current: 53.48% · Tier avg: 74.53%
60
60th pctile
Non-Interest-Bearing Deposit Share
Current: 24.23% · Tier avg: 22.39%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
12
12th pctile
Return on Assets
Current: 0.30% · Tier avg: 1.08%
4
4th pctile
Non-Interest Income / Assets
Current: 0.07% · Tier avg: 0.56%
4
4th pctile
Total Loans
Current: $13.6M · Tier avg: $139.2M
4
4th pctile
Total Deposits
Current: $25.5M · Tier avg: $183.7M
3
3th pctile
Total Assets
Current: $31.6M · Tier avg: $217.5M
3
3th pctile
Net Interest Margin
Current: 2.20% · Tier avg: 3.85%
1
1th pctile
Efficiency Ratio
Current: 129.02% · Tier avg: 67.73%
Top Weaknesses
1
1th pctile
Efficiency Ratio
Current: 129.02% · Tier avg: 67.73%
3
3th pctile
Net Interest Margin
Current: 2.20% · Tier avg: 3.85%
3
3th pctile
Total Assets
Current: $31.6M · Tier avg: $217.5M
4
4th pctile
Total Deposits
Current: $25.5M · Tier avg: $183.7M
4
4th pctile
Total Loans
Current: $13.6M · Tier avg: $139.2M
4
4th pctile
Non-Interest Income / Assets
Current: 0.07% · Tier avg: 0.56%
12
12th pctile
Return on Assets
Current: 0.30% · Tier avg: 1.08%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
60
60th pctile
Non-Interest-Bearing Deposit Share
Current: 24.23% · Tier avg: 22.39%
83
83th pctile
Loan-to-Deposit Ratio
Current: 53.48% · Tier avg: 74.53%
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%