BlastPoint's Banking Scorecard
Oklahoma State Bank
Micro
Specialty: Agricultural
OK
FDIC cert 13416
Designations: ✓ Community bank
Buffalo, OK
2498
banks in Micro tier nationally
121 in OK
View Micro leaderboard (OK) →
Oklahoma State Bank shows strong momentum with 2 strengths and 7.4% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 2.01% above tier
- + Net Interest Margin 2.30% 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 ? |
$63.8M
+7.4% YoY
+1.0% QoQ
|
-$153.7M |
$217.5M
+2.3% YoY
|
$1.2B
+6.0% YoY
|
$5.9B
+6.5% YoY
|
Bottom 11% in tier |
| Total Loans ? |
$49.3M
+7.8% YoY
+12.5% QoQ
|
-$89.9M |
$139.2M
+2.8% YoY
|
$796.2M
+5.4% YoY
|
$3.1B
+8.5% YoY
|
19% |
| Total Deposits ? |
$57.2M
+8.0% YoY
+2.5% QoQ
|
-$126.5M |
$183.7M
+1.8% YoY
|
$938.6M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
Bottom 13% in tier |
| Return on Assets ? |
3.09%
-6.7% YoY
-0.8% QoQ
|
+2.01% |
1.08%
+14.7% YoY
|
1.36%
+10.0% YoY
|
1.12%
+15.6% YoY
|
Top 1% in tier |
| Net Interest Margin ? |
6.15%
-5.2% YoY
-0.3% QoQ
|
+2.30% |
3.85%
+6.6% YoY
|
4.26%
+3.2% YoY
|
3.75%
+7.1% YoY
|
Top 2% in tier |
| Efficiency Ratio ? |
51.93%
+0.9% YoY
+1.1% QoQ
|
-15.80% |
67.73%
-4.8% YoY
|
63.62%
-4.9% YoY
|
65.09%
-5.1% YoY
|
Top 13% in tier |
| Delinquency Rate ? |
0.08%
-84.9% YoY
-44.4% QoQ
|
-0.56% |
0.64%
+24.4% YoY
|
0.95%
+12.2% YoY
|
0.66%
+20.3% YoY
|
72% |
| Loan-to-Deposit Ratio ? |
86.20%
-0.2% YoY
+9.7% QoQ
|
+11.67% |
74.53%
+0.5% YoY
|
75.78%
+1.6% YoY
|
78.04%
+0.7% YoY
|
30% |
| Non-Interest-Bearing Deposit Share ? |
33.89%
-6.1% YoY
-3.6% QoQ
|
+11.50% |
22.39%
-1.3% YoY
|
23.21%
-2.4% YoY
|
21.79%
-1.3% YoY
|
Top 14% in tier |
| Nonperforming Asset Ratio ? |
0.06%
-84.9% YoY
-38.1% QoQ
|
-0.39% |
0.45%
+25.1% YoY
|
0.71%
+9.7% YoY
|
0.48%
+20.8% YoY
|
72% |
| Tier 1 Capital Ratio ? |
12.87%
-5.1% YoY
-19.8% QoQ
|
+4.01% |
8.85%
-3.4% YoY
|
7.74%
-5.6% YoY
|
9.75%
-1.9% YoY
|
63% |
| Non-Interest Income / Assets ? |
0.56%
-22.2% YoY
+33.5% QoQ
|
0 |
0.56%
+0.3% YoY
|
0.68%
-3.1% YoY
|
0.65%
+0.6% YoY
|
74% |
Signature Analysis
Strengths (2)
Return on Assets
metric
Top 1%
in Micro
Why this stands out
Current:
3.09%
(Tier avg: 1.08%, National avg: 1.12%)
Net Interest Margin
metric
Top 2%
in Micro
Why this stands out
Current:
6.15%
(Tier avg: 3.85%, National avg: 3.75%)
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
Return on Assets
Current: 3.09% · Tier avg: 1.08%
98
98th pctile
Net Interest Margin
Current: 6.15% · Tier avg: 3.85%
87
87th pctile
Efficiency Ratio
Current: 51.93% · Tier avg: 67.73%
86
86th pctile
Non-Interest-Bearing Deposit Share
Current: 33.89% · Tier avg: 22.39%
74
74th pctile
Non-Interest Income / Assets
Current: 0.56% · Tier avg: 0.56%
72
72th pctile
Delinquency Rate
Current: 0.08% · Tier avg: 0.64%
72
72th pctile
Nonperforming Asset Ratio
Current: 0.06% · Tier avg: 0.45%
63
63th pctile
Tier 1 Capital Ratio
Current: 12.87% · Tier avg: 8.85%
30
30th pctile
Loan-to-Deposit Ratio
Current: 86.20% · Tier avg: 74.53%
19
19th pctile
Total Loans
Current: $49.3M · Tier avg: $139.2M
13
13th pctile
Total Deposits
Current: $57.2M · Tier avg: $183.7M
11
11th pctile
Total Assets
Current: $63.8M · Tier avg: $217.5M
Top Weaknesses
11
11th pctile
Total Assets
Current: $63.8M · Tier avg: $217.5M
13
13th pctile
Total Deposits
Current: $57.2M · Tier avg: $183.7M
19
19th pctile
Total Loans
Current: $49.3M · Tier avg: $139.2M
30
30th pctile
Loan-to-Deposit Ratio
Current: 86.20% · Tier avg: 74.53%
63
63th pctile
Tier 1 Capital Ratio
Current: 12.87% · Tier avg: 8.85%
72
72th pctile
Nonperforming Asset Ratio
Current: 0.06% · Tier avg: 0.45%
72
72th pctile
Delinquency Rate
Current: 0.08% · Tier avg: 0.64%
74
74th pctile
Non-Interest Income / Assets
Current: 0.56% · Tier avg: 0.56%
86
86th pctile
Non-Interest-Bearing Deposit Share
Current: 33.89% · Tier avg: 22.39%
87
87th pctile
Efficiency Ratio
Current: 51.93% · Tier avg: 67.73%
98
98th pctile
Net Interest Margin
Current: 6.15% · Tier avg: 3.85%
99
99th pctile
Return on Assets
Current: 3.09% · Tier avg: 1.08%