BlastPoint's Banking Scorecard
Oklahoma Capital Bank
Micro
Specialty: Commercial
OK
FDIC cert 18856
Designations: ✓ Community bank
Tulsa, OK
2498
banks in Micro tier nationally
121 in OK
View Micro leaderboard (OK) →
Oklahoma Capital Bank faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 26.12% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$176.3M
+22.2% YoY
+4.8% QoQ
|
-$41.2M |
$217.5M
+2.3% YoY
|
$1.2B
+6.0% YoY
|
$5.9B
+6.5% YoY
|
45% |
| Total Loans ? |
$143.7M
+37.8% YoY
+9.9% QoQ
|
+$4.5M |
$139.2M
+2.8% YoY
|
$796.2M
+5.4% YoY
|
$3.1B
+8.5% YoY
|
58% |
| Total Deposits ? |
$142.7M
+24.8% YoY
-0.0% QoQ
|
-$40.9M |
$183.7M
+1.8% YoY
|
$938.6M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
43% |
| Return on Assets ? |
1.25%
+10.6% YoY
+5.3% QoQ
|
+0.17% |
1.08%
+14.7% YoY
|
1.36%
+10.0% YoY
|
1.12%
+15.6% YoY
|
62% |
| Net Interest Margin ? |
4.85%
+4.1% YoY
+1.9% QoQ
|
+0.99% |
3.85%
+6.6% YoY
|
4.26%
+3.2% YoY
|
3.75%
+7.1% YoY
|
Top 12% in tier |
| Efficiency Ratio ? |
54.98%
-8.3% YoY
-2.9% QoQ
|
-12.75% |
67.73%
-4.8% YoY
|
63.62%
-4.9% YoY
|
65.09%
-5.1% YoY
|
81% |
| Delinquency Rate ? |
0.33%
-74.1% YoY
-6.2% QoQ
|
-0.31% |
0.64%
+24.4% YoY
|
0.95%
+12.2% YoY
|
0.66%
+20.3% YoY
|
53% |
| Loan-to-Deposit Ratio ? |
100.64%
+10.4% YoY
+9.9% QoQ
|
+26.12% |
74.53%
+0.5% YoY
|
75.78%
+1.6% YoY
|
78.04%
+0.7% YoY
|
Bottom 8% in tier |
| Non-Interest-Bearing Deposit Share ? |
17.51%
-4.6% YoY
+12.0% QoQ
|
-4.88% |
22.39%
-1.3% YoY
|
23.21%
-2.4% YoY
|
21.79%
-1.3% YoY
|
32% |
| Nonperforming Asset Ratio ? |
0.27%
-70.8% YoY
-1.7% QoQ
|
-0.18% |
0.45%
+25.1% YoY
|
0.71%
+9.7% YoY
|
0.48%
+20.8% YoY
|
50% |
| 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 ? |
0.18%
+100.5% YoY
+20.7% QoQ
|
-0.38% |
0.56%
+0.3% YoY
|
0.68%
-3.1% YoY
|
0.65%
+0.6% YoY
|
20% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Loan-to-Deposit Ratio
metric
Bottom 8%
in Micro
Why this stands out
Current:
100.64%
(Tier avg: 74.53%, National avg: 78.04%)
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
88
88th pctile
Net Interest Margin
Current: 4.85% · Tier avg: 3.85%
81
81th pctile
Efficiency Ratio
Current: 54.98% · Tier avg: 67.73%
62
62th pctile
Return on Assets
Current: 1.25% · Tier avg: 1.08%
58
58th pctile
Total Loans
Current: $143.7M · Tier avg: $139.2M
53
53th pctile
Delinquency Rate
Current: 0.33% · Tier avg: 0.64%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
50
50th pctile
Nonperforming Asset Ratio
Current: 0.27% · Tier avg: 0.45%
45
45th pctile
Total Assets
Current: $176.3M · Tier avg: $217.5M
43
43th pctile
Total Deposits
Current: $142.7M · Tier avg: $183.7M
32
32th pctile
Non-Interest-Bearing Deposit Share
Current: 17.51% · Tier avg: 22.39%
20
20th pctile
Non-Interest Income / Assets
Current: 0.18% · Tier avg: 0.56%
8
8th pctile
Loan-to-Deposit Ratio
Current: 100.64% · Tier avg: 74.53%
Top Weaknesses
8
8th pctile
Loan-to-Deposit Ratio
Current: 100.64% · Tier avg: 74.53%
20
20th pctile
Non-Interest Income / Assets
Current: 0.18% · Tier avg: 0.56%
32
32th pctile
Non-Interest-Bearing Deposit Share
Current: 17.51% · Tier avg: 22.39%
43
43th pctile
Total Deposits
Current: $142.7M · Tier avg: $183.7M
45
45th pctile
Total Assets
Current: $176.3M · Tier avg: $217.5M
50
50th pctile
Nonperforming Asset Ratio
Current: 0.27% · Tier avg: 0.45%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
53
53th pctile
Delinquency Rate
Current: 0.33% · Tier avg: 0.64%
58
58th pctile
Total Loans
Current: $143.7M · Tier avg: $139.2M
62
62th pctile
Return on Assets
Current: 1.25% · Tier avg: 1.08%
81
81th pctile
Efficiency Ratio
Current: 54.98% · Tier avg: 67.73%
88
88th pctile
Net Interest Margin
Current: 4.85% · Tier avg: 3.85%