BlastPoint's Banking Scorecard
Bank of Commerce
Micro
Specialty: Commercial
OK
FDIC cert 13274
Designations: ✓ Community bank
Chelsea, OK
2498
banks in Micro tier nationally
121 in OK
View Micro leaderboard (OK) →
Bank of Commerce demonstrates 3 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 1.03% above tier
- + Net Interest Margin 2.65% above tier
- + Non-Interest-Bearing Deposit Share 18.72% above 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 ? |
$186.2M
-0.2% YoY
+3.5% QoQ
|
-$31.3M |
$217.5M
+2.3% YoY
|
$1.2B
+6.0% YoY
|
$5.9B
+6.5% YoY
|
47% |
| Total Loans ? |
$131.8M
+9.2% YoY
+8.9% QoQ
|
-$7.4M |
$139.2M
+2.8% YoY
|
$796.2M
+5.4% YoY
|
$3.1B
+8.5% YoY
|
54% |
| Total Deposits ? |
$158.7M
-1.9% YoY
+4.7% QoQ
|
-$24.9M |
$183.7M
+1.8% YoY
|
$938.6M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
48% |
| Return on Assets ? |
2.11%
+11.5% YoY
-2.5% QoQ
|
+1.03% |
1.08%
+14.7% YoY
|
1.36%
+10.0% YoY
|
1.12%
+15.6% YoY
|
Top 7% in tier |
| Net Interest Margin ? |
6.50%
+14.6% YoY
+0.6% QoQ
|
+2.65% |
3.85%
+6.6% YoY
|
4.26%
+3.2% YoY
|
3.75%
+7.1% YoY
|
Top 1% in tier |
| Efficiency Ratio ? |
61.55%
+4.5% YoY
+2.6% QoQ
|
-6.18% |
67.73%
-4.8% YoY
|
63.62%
-4.9% YoY
|
65.09%
-5.1% YoY
|
62% |
| Delinquency Rate ? |
0.58%
-27.1% YoY
-9.5% QoQ
|
-0.06% |
0.64%
+24.4% YoY
|
0.95%
+12.2% YoY
|
0.66%
+20.3% YoY
|
42% |
| Loan-to-Deposit Ratio ? |
83.02%
+11.3% YoY
+4.0% QoQ
|
+8.49% |
74.53%
+0.5% YoY
|
75.78%
+1.6% YoY
|
78.04%
+0.7% YoY
|
36% |
| Non-Interest-Bearing Deposit Share ? |
41.12%
+7.3% YoY
-5.0% QoQ
|
+18.72% |
22.39%
-1.3% YoY
|
23.21%
-2.4% YoY
|
21.79%
-1.3% YoY
|
Top 6% in tier |
| Nonperforming Asset Ratio ? |
0.41%
-20.2% YoY
-4.8% QoQ
|
-0.04% |
0.45%
+25.1% YoY
|
0.71%
+9.7% YoY
|
0.48%
+20.8% YoY
|
42% |
| Tier 1 Capital Ratio ? |
17.48%
-0.8% YoY
-10.5% QoQ
|
+8.63% |
8.85%
-3.4% YoY
|
7.74%
-5.6% YoY
|
9.75%
-1.9% YoY
|
81% |
| Non-Interest Income / Assets ? |
0.87%
-14.4% YoY
+31.3% QoQ
|
+0.31% |
0.56%
+0.3% YoY
|
0.68%
-3.1% YoY
|
0.65%
+0.6% YoY
|
Top 10% in tier |
Signature Analysis
Strengths (3)
Return on Assets
metric
Top 7%
in Micro
Why this stands out
Current:
2.11%
(Tier avg: 1.08%, National avg: 1.12%)
Net Interest Margin
metric
Top 1%
in Micro
Why this stands out
Current:
6.50%
(Tier avg: 3.85%, National avg: 3.75%)
Non-Interest-Bearing Deposit Share
metric
Top 6%
in Micro
Why this stands out
Current:
41.12%
(Tier avg: 22.39%, National avg: 21.79%)
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
99
99th pctile
Net Interest Margin
Current: 6.50% · Tier avg: 3.85%
94
94th pctile
Non-Interest-Bearing Deposit Share
Current: 41.12% · Tier avg: 22.39%
93
93th pctile
Return on Assets
Current: 2.11% · Tier avg: 1.08%
90
90th pctile
Non-Interest Income / Assets
Current: 0.87% · Tier avg: 0.56%
81
81th pctile
Tier 1 Capital Ratio
Current: 17.48% · Tier avg: 8.85%
62
62th pctile
Efficiency Ratio
Current: 61.55% · Tier avg: 67.73%
54
54th pctile
Total Loans
Current: $131.8M · Tier avg: $139.2M
48
48th pctile
Total Deposits
Current: $158.7M · Tier avg: $183.7M
47
47th pctile
Total Assets
Current: $186.2M · Tier avg: $217.5M
42
42th pctile
Nonperforming Asset Ratio
Current: 0.41% · Tier avg: 0.45%
42
42th pctile
Delinquency Rate
Current: 0.58% · Tier avg: 0.64%
36
36th pctile
Loan-to-Deposit Ratio
Current: 83.02% · Tier avg: 74.53%
Top Weaknesses
36
36th pctile
Loan-to-Deposit Ratio
Current: 83.02% · Tier avg: 74.53%
42
42th pctile
Delinquency Rate
Current: 0.58% · Tier avg: 0.64%
42
42th pctile
Nonperforming Asset Ratio
Current: 0.41% · Tier avg: 0.45%
47
47th pctile
Total Assets
Current: $186.2M · Tier avg: $217.5M
48
48th pctile
Total Deposits
Current: $158.7M · Tier avg: $183.7M
54
54th pctile
Total Loans
Current: $131.8M · Tier avg: $139.2M
62
62th pctile
Efficiency Ratio
Current: 61.55% · Tier avg: 67.73%
81
81th pctile
Tier 1 Capital Ratio
Current: 17.48% · Tier avg: 8.85%
90
90th pctile
Non-Interest Income / Assets
Current: 0.87% · Tier avg: 0.56%
93
93th pctile
Return on Assets
Current: 2.11% · Tier avg: 1.08%
94
94th pctile
Non-Interest-Bearing Deposit Share
Current: 41.12% · Tier avg: 22.39%
99
99th pctile
Net Interest Margin
Current: 6.50% · Tier avg: 3.85%