BlastPoint's Banking Scorecard
Peoples State Bank
Micro
Specialty: Agricultural
OK
FDIC cert 17138
Designations: ✓ Community bank
Blair, OK
2498
banks in Micro tier nationally
121 in OK
View Micro leaderboard (OK) →
Peoples State Bank demonstrates 4 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 2.69% above tier
- + Delinquency Rate 0.64% below tier
- + Non-Interest-Bearing Deposit Share 17.67% above tier
- + Nonperforming Asset Ratio 0.45% below 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 ? |
$13.6M
-9.6% YoY
+2.1% QoQ
|
-$203.9M |
$217.5M
+2.3% YoY
|
$1.2B
+6.0% YoY
|
$5.9B
+6.5% YoY
|
Bottom 1% in tier |
| Total Loans ? |
$9.8M
-4.9% YoY
-4.7% QoQ
|
-$129.4M |
$139.2M
+2.8% YoY
|
$796.2M
+5.4% YoY
|
$3.1B
+8.5% YoY
|
Bottom 3% in tier |
| Total Deposits ? |
$11.9M
-11.5% YoY
+2.6% QoQ
|
-$171.8M |
$183.7M
+1.8% YoY
|
$938.6M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
Bottom 1% in tier |
| Return on Assets ? |
1.64%
+32.1% YoY
-12.7% QoQ
|
+0.56% |
1.08%
+14.7% YoY
|
1.36%
+10.0% YoY
|
1.12%
+15.6% YoY
|
80% |
| Net Interest Margin ? |
6.54%
-6.9% YoY
-0.6% QoQ
|
+2.69% |
3.85%
+6.6% YoY
|
4.26%
+3.2% YoY
|
3.75%
+7.1% YoY
|
Top 1% in tier |
| Efficiency Ratio ? |
75.50%
-8.6% YoY
+4.8% QoQ
|
+7.78% |
67.73%
-4.8% YoY
|
63.62%
-4.9% YoY
|
65.09%
-5.1% YoY
|
27% |
| Delinquency Rate ? | 0.00% | -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 ? |
82.36%
+7.5% YoY
-7.0% QoQ
|
+7.83% |
74.53%
+0.5% YoY
|
75.78%
+1.6% YoY
|
78.04%
+0.7% YoY
|
38% |
| Non-Interest-Bearing Deposit Share ? |
40.07%
+3.1% YoY
-1.5% QoQ
|
+17.67% |
22.39%
-1.3% YoY
|
23.21%
-2.4% YoY
|
21.79%
-1.3% YoY
|
Top 7% in tier |
| Nonperforming Asset Ratio ? | 0.00% | -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 ? |
0.73%
-7.2% YoY
+32.8% QoQ
|
+0.16% |
0.56%
+0.3% YoY
|
0.68%
-3.1% YoY
|
0.65%
+0.6% YoY
|
84% |
Signature Analysis
Strengths (4)
Net Interest Margin
metric
Top 1%
in Micro
Why this stands out
Current:
6.54%
(Tier avg: 3.85%, National avg: 3.75%)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Non-Interest-Bearing Deposit Share
metric
Top 7%
in Micro
Why this stands out
Current:
40.07%
(Tier avg: 22.39%, National avg: 21.79%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
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
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%
99
99th pctile
Net Interest Margin
Current: 6.54% · Tier avg: 3.85%
93
93th pctile
Non-Interest-Bearing Deposit Share
Current: 40.07% · Tier avg: 22.39%
84
84th pctile
Non-Interest Income / Assets
Current: 0.73% · Tier avg: 0.56%
80
80th pctile
Return on Assets
Current: 1.64% · Tier avg: 1.08%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
38
38th pctile
Loan-to-Deposit Ratio
Current: 82.36% · Tier avg: 74.53%
27
27th pctile
Efficiency Ratio
Current: 75.50% · Tier avg: 67.73%
3
3th pctile
Total Loans
Current: $9.8M · Tier avg: $139.2M
1
1th pctile
Total Deposits
Current: $11.9M · Tier avg: $183.7M
0
0th pctile
Total Assets
Current: $13.6M · Tier avg: $217.5M
Top Weaknesses
0
0th pctile
Total Assets
Current: $13.6M · Tier avg: $217.5M
1
1th pctile
Total Deposits
Current: $11.9M · Tier avg: $183.7M
3
3th pctile
Total Loans
Current: $9.8M · Tier avg: $139.2M
27
27th pctile
Efficiency Ratio
Current: 75.50% · Tier avg: 67.73%
38
38th pctile
Loan-to-Deposit Ratio
Current: 82.36% · Tier avg: 74.53%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
80
80th pctile
Return on Assets
Current: 1.64% · Tier avg: 1.08%
84
84th pctile
Non-Interest Income / Assets
Current: 0.73% · Tier avg: 0.56%
93
93th pctile
Non-Interest-Bearing Deposit Share
Current: 40.07% · Tier avg: 22.39%
99
99th pctile
Net Interest Margin
Current: 6.54% · Tier avg: 3.85%
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%