BlastPoint's Banking Scorecard
Old Glory Bank
Micro
Specialty: Other
OK
FDIC cert 18924
Designations: ✓ Community bank
Elmore City, OK
2498
banks in Micro tier nationally
121 in OK
View Micro leaderboard (OK) →
Old Glory Bank has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 15.05% above tier
- + Non-Interest Income / Assets 0.67% above tier
Key Concerns
Areas that may need attention
- - Return on Assets 7.09% below tier
- - Delinquency Rate 2.06% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$257.4M
+40.3% YoY
+8.4% QoQ
|
+$39.9M |
$217.5M
+2.3% YoY
|
$1.2B
+6.0% YoY
|
$5.9B
+6.5% YoY
|
64% |
| Total Loans ? |
$18.1M
+303.3% YoY
-2.7% QoQ
|
-$121.1M |
$139.2M
+2.8% YoY
|
$796.2M
+5.4% YoY
|
$3.1B
+8.5% YoY
|
Bottom 6% in tier |
| Total Deposits ? |
$246.9M
+42.6% YoY
+9.0% QoQ
|
+$63.2M |
$183.7M
+1.8% YoY
|
$938.6M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
70% |
| Return on Assets ? |
-6.00%
+34.6% YoY
+16.2% QoQ
|
-7.09% |
1.08%
+14.7% YoY
|
1.36%
+10.0% YoY
|
1.12%
+15.6% YoY
|
Bottom 1% in tier |
| Net Interest Margin ? |
3.78%
-12.0% YoY
+2.8% QoQ
|
-0.07% |
3.85%
+6.6% YoY
|
4.26%
+3.2% YoY
|
3.75%
+7.1% YoY
|
48% |
| Efficiency Ratio ? |
216.80%
-22.6% YoY
-11.5% QoQ
|
+149.07% |
67.73%
-4.8% YoY
|
63.62%
-4.9% YoY
|
65.09%
-5.1% YoY
|
- |
| Delinquency Rate ? |
2.70%
+49.4% YoY
|
+2.06% |
0.64%
+24.4% YoY
|
0.95%
+12.2% YoY
|
0.66%
+20.3% YoY
|
Bottom 8% in tier |
| Loan-to-Deposit Ratio ? |
7.32%
+182.9% YoY
-10.7% QoQ
|
-67.21% |
74.53%
+0.5% YoY
|
75.78%
+1.6% YoY
|
78.04%
+0.7% YoY
|
- |
| Non-Interest-Bearing Deposit Share ? |
37.44%
+7.0% YoY
+0.8% QoQ
|
+15.05% |
22.39%
-1.3% YoY
|
23.21%
-2.4% YoY
|
21.79%
-1.3% YoY
|
Top 9% in tier |
| Nonperforming Asset Ratio ? |
0.19%
+329.3% YoY
|
-0.26% |
0.45%
+25.1% YoY
|
0.71%
+9.7% YoY
|
0.48%
+20.8% YoY
|
58% |
| Tier 1 Capital Ratio ? |
18.34%
-70.0% YoY
-4.6% QoQ
|
+9.48% |
8.85%
-3.4% YoY
|
7.74%
-5.6% YoY
|
9.75%
-1.9% YoY
|
83% |
| Non-Interest Income / Assets ? |
1.23%
+65.9% YoY
+29.3% QoQ
|
+0.67% |
0.56%
+0.3% YoY
|
0.68%
-3.1% YoY
|
0.65%
+0.6% YoY
|
Top 6% in tier |
Signature Analysis
Strengths (2)
Non-Interest-Bearing Deposit Share
metric
Top 9%
in Micro
Why this stands out
Current:
37.44%
(Tier avg: 22.39%, National avg: 21.79%)
Non-Interest Income / Assets
metric
Top 6%
in Micro
Why this stands out
Current:
1.23%
(Tier avg: 0.56%, National avg: 0.65%)
Concerns (2)
Return on Assets
metric
Bottom 1%
in Micro
Why this stands out
Current:
-6.00%
(Tier avg: 1.08%, National avg: 1.12%)
Delinquency Rate
metric
Bottom 8%
in Micro
Why this stands out
Current:
2.70%
(Tier avg: 0.64%, National avg: 0.66%)
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
94
94th pctile
Non-Interest Income / Assets
Current: 1.23% · Tier avg: 0.56%
91
91th pctile
Non-Interest-Bearing Deposit Share
Current: 37.44% · Tier avg: 22.39%
83
83th pctile
Tier 1 Capital Ratio
Current: 18.34% · Tier avg: 8.85%
70
70th pctile
Total Deposits
Current: $246.9M · Tier avg: $183.7M
64
64th pctile
Total Assets
Current: $257.4M · Tier avg: $217.5M
58
58th pctile
Nonperforming Asset Ratio
Current: 0.19% · Tier avg: 0.45%
48
48th pctile
Net Interest Margin
Current: 3.78% · Tier avg: 3.85%
8
8th pctile
Delinquency Rate
Current: 2.70% · Tier avg: 0.64%
6
6th pctile
Total Loans
Current: $18.1M · Tier avg: $139.2M
0
0th pctile
Return on Assets
Current: -6.00% · Tier avg: 1.08%
Top Weaknesses
0
0th pctile
Return on Assets
Current: -6.00% · Tier avg: 1.08%
6
6th pctile
Total Loans
Current: $18.1M · Tier avg: $139.2M
8
8th pctile
Delinquency Rate
Current: 2.70% · Tier avg: 0.64%
48
48th pctile
Net Interest Margin
Current: 3.78% · Tier avg: 3.85%
58
58th pctile
Nonperforming Asset Ratio
Current: 0.19% · Tier avg: 0.45%
64
64th pctile
Total Assets
Current: $257.4M · Tier avg: $217.5M
70
70th pctile
Total Deposits
Current: $246.9M · Tier avg: $183.7M
83
83th pctile
Tier 1 Capital Ratio
Current: 18.34% · Tier avg: 8.85%
91
91th pctile
Non-Interest-Bearing Deposit Share
Current: 37.44% · Tier avg: 22.39%
94
94th pctile
Non-Interest Income / Assets
Current: 1.23% · Tier avg: 0.56%