BlastPoint's Banking Scorecard
The State Exchange Bank
Micro
Specialty: Agricultural
OK
FDIC cert 13551
Designations: ✓ Community bank
Lamont, OK
2498
banks in Micro tier nationally
121 in OK
View Micro leaderboard (OK) →
The State Exchange Bank faces 3 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Return on Assets 2.25% below tier
- - Delinquency Rate 5.02% above tier
- - Nonperforming Asset Ratio 3.66% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$95.1M
-18.4% YoY
+1.6% QoQ
|
-$122.4M |
$217.5M
+2.3% YoY
|
$1.2B
+6.0% YoY
|
$5.9B
+6.5% YoY
|
21% |
| Total Loans ? |
$69.0M
-22.4% YoY
-6.1% QoQ
|
-$70.2M |
$139.2M
+2.8% YoY
|
$796.2M
+5.4% YoY
|
$3.1B
+8.5% YoY
|
28% |
| Total Deposits ? |
$84.1M
-13.3% YoY
+1.2% QoQ
|
-$99.6M |
$183.7M
+1.8% YoY
|
$938.6M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
23% |
| Return on Assets ? |
-1.17%
+48.2% QoQ
|
-2.25% |
1.08%
+14.7% YoY
|
1.36%
+10.0% YoY
|
1.12%
+15.6% YoY
|
Bottom 2% in tier |
| Net Interest Margin ? |
3.34%
+1.8% YoY
+12.6% QoQ
|
-0.51% |
3.85%
+6.6% YoY
|
4.26%
+3.2% YoY
|
3.75%
+7.1% YoY
|
27% |
| Efficiency Ratio ? |
70.89%
+17.6% YoY
-12.4% QoQ
|
+3.16% |
67.73%
-4.8% YoY
|
63.62%
-4.9% YoY
|
65.09%
-5.1% YoY
|
38% |
| Delinquency Rate ? |
5.66%
-36.9% YoY
-49.2% QoQ
|
+5.02% |
0.64%
+24.4% YoY
|
0.95%
+12.2% YoY
|
0.66%
+20.3% YoY
|
Bottom 1% in tier |
| Loan-to-Deposit Ratio ? |
82.05%
-10.5% YoY
-7.2% QoQ
|
+7.52% |
74.53%
+0.5% YoY
|
75.78%
+1.6% YoY
|
78.04%
+0.7% YoY
|
38% |
| Non-Interest-Bearing Deposit Share ? |
17.99%
-10.7% YoY
-12.7% QoQ
|
-4.40% |
22.39%
-1.3% YoY
|
23.21%
-2.4% YoY
|
21.79%
-1.3% YoY
|
34% |
| Nonperforming Asset Ratio ? |
4.11%
-40.0% YoY
-53.1% QoQ
|
+3.66% |
0.45%
+25.1% YoY
|
0.71%
+9.7% YoY
|
0.48%
+20.8% YoY
|
Bottom 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 ? |
0.29%
+45.1% YoY
+18.1% QoQ
|
-0.27% |
0.56%
+0.3% YoY
|
0.68%
-3.1% YoY
|
0.65%
+0.6% YoY
|
39% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (3)
Return on Assets
metric
Bottom 2%
in Micro
Why this stands out
Current:
-1.17%
(Tier avg: 1.08%, National avg: 1.12%)
Delinquency Rate
metric
Bottom 1%
in Micro
Why this stands out
Current:
5.66%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 1%
in Micro
Why this stands out
Current:
4.11%
(Tier avg: 0.45%, National avg: 0.48%)
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
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
39
39th pctile
Non-Interest Income / Assets
Current: 0.29% · Tier avg: 0.56%
38
38th pctile
Loan-to-Deposit Ratio
Current: 82.05% · Tier avg: 74.53%
38
38th pctile
Efficiency Ratio
Current: 70.89% · Tier avg: 67.73%
34
34th pctile
Non-Interest-Bearing Deposit Share
Current: 17.99% · Tier avg: 22.39%
28
28th pctile
Total Loans
Current: $69.0M · Tier avg: $139.2M
27
27th pctile
Net Interest Margin
Current: 3.34% · Tier avg: 3.85%
23
23th pctile
Total Deposits
Current: $84.1M · Tier avg: $183.7M
21
21th pctile
Total Assets
Current: $95.1M · Tier avg: $217.5M
2
2th pctile
Return on Assets
Current: -1.17% · Tier avg: 1.08%
0
0th pctile
Delinquency Rate
Current: 5.66% · Tier avg: 0.64%
0
0th pctile
Nonperforming Asset Ratio
Current: 4.11% · Tier avg: 0.45%
Top Weaknesses
0
0th pctile
Nonperforming Asset Ratio
Current: 4.11% · Tier avg: 0.45%
0
0th pctile
Delinquency Rate
Current: 5.66% · Tier avg: 0.64%
2
2th pctile
Return on Assets
Current: -1.17% · Tier avg: 1.08%
21
21th pctile
Total Assets
Current: $95.1M · Tier avg: $217.5M
23
23th pctile
Total Deposits
Current: $84.1M · Tier avg: $183.7M
27
27th pctile
Net Interest Margin
Current: 3.34% · Tier avg: 3.85%
28
28th pctile
Total Loans
Current: $69.0M · Tier avg: $139.2M
34
34th pctile
Non-Interest-Bearing Deposit Share
Current: 17.99% · Tier avg: 22.39%
38
38th pctile
Efficiency Ratio
Current: 70.89% · Tier avg: 67.73%
38
38th pctile
Loan-to-Deposit Ratio
Current: 82.05% · Tier avg: 74.53%
39
39th pctile
Non-Interest Income / Assets
Current: 0.29% · Tier avg: 0.56%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%