BlastPoint's Banking Scorecard
All America Bank
Community
Specialty: Agricultural
OK
FDIC cert 20093
Oklahoma City, OK
1484
banks in Community tier nationally
45 in OK
View Community leaderboard (OK) →
All America Bank faces 4 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 19% in Community
- - Deposit Outflow: Bottom 44% in Community
- - Delinquency Rate 4.76% above tier
- - Nonperforming Asset Ratio 3.80% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$593.7M
-0.3% YoY
-1.0% QoQ
|
-$797.7M |
$1.4B
+2.0% YoY
|
$1.2B
+6.0% YoY
|
$5.9B
+6.5% YoY
|
Bottom 14% in tier |
| Total Loans ? |
$462.4M
-4.7% YoY
+2.9% QoQ
|
-$513.1M |
$975.5M
+2.4% YoY
|
$796.2M
+5.4% YoY
|
$3.1B
+8.5% YoY
|
24% |
| Total Deposits ? |
$528.4M
-0.5% YoY
-1.1% QoQ
|
-$636.2M |
$1.2B
+1.7% YoY
|
$938.6M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
17% |
| Return on Assets ? |
0.79%
+4.5% YoY
+6.9% QoQ
|
-0.38% |
1.16%
+17.2% YoY
|
1.36%
+10.0% YoY
|
1.12%
+15.6% YoY
|
24% |
| Net Interest Margin ? |
3.87%
+5.3% YoY
+0.9% QoQ
|
+0.21% |
3.66%
+9.1% YoY
|
4.26%
+3.2% YoY
|
3.75%
+7.1% YoY
|
64% |
| Efficiency Ratio ? |
66.48%
+2.4% YoY
-0.6% QoQ
|
+3.85% |
62.63%
-5.3% YoY
|
63.62%
-4.9% YoY
|
65.09%
-5.1% YoY
|
36% |
| Delinquency Rate ? |
5.39%
+47.8% YoY
-4.5% QoQ
|
+4.76% |
0.63%
+18.3% YoY
|
0.95%
+12.2% YoY
|
0.66%
+20.3% YoY
|
Bottom 1% in tier |
| Loan-to-Deposit Ratio ? |
87.51%
-4.2% YoY
+4.1% QoQ
|
+4.45% |
83.06%
+0.3% YoY
|
75.78%
+1.6% YoY
|
78.04%
+0.7% YoY
|
42% |
| Non-Interest-Bearing Deposit Share ? |
11.44%
-10.9% YoY
-10.4% QoQ
|
-9.61% |
21.05%
-0.9% YoY
|
23.21%
-2.4% YoY
|
21.79%
-1.3% YoY
|
Bottom 14% in tier |
| Nonperforming Asset Ratio ? |
4.30%
+35.9% YoY
-2.8% QoQ
|
+3.80% |
0.50%
+20.3% YoY
|
0.71%
+9.7% YoY
|
0.48%
+20.8% YoY
|
Bottom 1% in tier |
| Tier 1 Capital Ratio ? |
13.43%
+8.0% YoY
+1.4% QoQ
|
+3.19% |
10.24%
-0.6% YoY
|
7.74%
-5.6% YoY
|
9.75%
-1.9% YoY
|
62% |
| Non-Interest Income / Assets ? |
0.23%
-30.4% YoY
+12.5% QoQ
|
-0.51% |
0.74%
-1.3% YoY
|
0.68%
-3.1% YoY
|
0.65%
+0.6% YoY
|
Bottom 15% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (4)
Flatlined Growth
risk
#47 of 245 · Bottom 19% in Community
Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Why this signature
Return on Assets:
0.79%
(Tier: 1.16%, National: 1.12%)
245 of 245 Community banks match
·
308 nationally
↓ Shrinking
-35 banks QoQ
|
QoQ rank improving
Deposit Outflow
decline
#109 of 248 · Bottom 44% in Community
Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
248 of 248 Community banks match
·
294 nationally
↑ Growing
+37 banks QoQ
Delinquency Rate
metric
Bottom 1%
in Community
Why this stands out
Current:
5.39%
(Tier avg: 0.63%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 1%
in Community
Why this stands out
Current:
4.30%
(Tier avg: 0.50%, 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
64
64th pctile
Net Interest Margin
Current: 3.87% · Tier avg: 3.66%
62
62th pctile
Tier 1 Capital Ratio
Current: 13.43% · Tier avg: 10.24%
42
42th pctile
Loan-to-Deposit Ratio
Current: 87.51% · Tier avg: 83.06%
36
36th pctile
Efficiency Ratio
Current: 66.48% · Tier avg: 62.63%
24
24th pctile
Total Loans
Current: $462.4M · Tier avg: $975.5M
24
24th pctile
Return on Assets
Current: 0.79% · Tier avg: 1.16%
17
17th pctile
Total Deposits
Current: $528.4M · Tier avg: $1.2B
15
15th pctile
Non-Interest Income / Assets
Current: 0.23% · Tier avg: 0.74%
14
14th pctile
Total Assets
Current: $593.7M · Tier avg: $1.4B
14
14th pctile
Non-Interest-Bearing Deposit Share
Current: 11.44% · Tier avg: 21.05%
0
0th pctile
Delinquency Rate
Current: 5.39% · Tier avg: 0.63%
0
0th pctile
Nonperforming Asset Ratio
Current: 4.30% · Tier avg: 0.50%
Top Weaknesses
0
0th pctile
Nonperforming Asset Ratio
Current: 4.30% · Tier avg: 0.50%
0
0th pctile
Delinquency Rate
Current: 5.39% · Tier avg: 0.63%
14
14th pctile
Non-Interest-Bearing Deposit Share
Current: 11.44% · Tier avg: 21.05%
14
14th pctile
Total Assets
Current: $593.7M · Tier avg: $1.4B
15
15th pctile
Non-Interest Income / Assets
Current: 0.23% · Tier avg: 0.74%
17
17th pctile
Total Deposits
Current: $528.4M · Tier avg: $1.2B
24
24th pctile
Return on Assets
Current: 0.79% · Tier avg: 1.16%
24
24th pctile
Total Loans
Current: $462.4M · Tier avg: $975.5M
36
36th pctile
Efficiency Ratio
Current: 66.48% · Tier avg: 62.63%
42
42th pctile
Loan-to-Deposit Ratio
Current: 87.51% · Tier avg: 83.06%
62
62th pctile
Tier 1 Capital Ratio
Current: 13.43% · Tier avg: 10.24%
64
64th pctile
Net Interest Margin
Current: 3.87% · Tier avg: 3.66%