BlastPoint's Banking Scorecard
Kirkpatrick Bank
Community
Specialty: Commercial
OK
FDIC cert 20156
Edmond, OK
1484
banks in Community tier nationally
45 in OK
View Community leaderboard (OK) →
Kirkpatrick Bank demonstrates 2 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.63% below tier
- + Nonperforming Asset Ratio 0.50% 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 ? |
$1.0B
+4.5% YoY
+1.9% QoQ
|
-$353.4M |
$1.4B
+2.0% YoY
|
$1.2B
+6.0% YoY
|
$5.9B
+6.5% YoY
|
52% |
| Total Loans ? |
$760.8M
+6.1% YoY
+7.9% QoQ
|
-$214.7M |
$975.5M
+2.4% YoY
|
$796.2M
+5.4% YoY
|
$3.1B
+8.5% YoY
|
54% |
| Total Deposits ? |
$932.5M
+11.5% YoY
+1.7% QoQ
|
-$232.1M |
$1.2B
+1.7% YoY
|
$938.6M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
55% |
| Return on Assets ? |
0.98%
+7.3% YoY
+11.0% QoQ
|
-0.19% |
1.16%
+17.2% YoY
|
1.36%
+10.0% YoY
|
1.12%
+15.6% YoY
|
37% |
| Net Interest Margin ? |
3.27%
+2.6% YoY
+1.4% QoQ
|
-0.39% |
3.66%
+9.1% YoY
|
4.26%
+3.2% YoY
|
3.75%
+7.1% YoY
|
28% |
| Efficiency Ratio ? |
71.02%
-1.3% YoY
-3.4% QoQ
|
+8.39% |
62.63%
-5.3% YoY
|
63.62%
-4.9% YoY
|
65.09%
-5.1% YoY
|
25% |
| Delinquency Rate ? |
0.00%
-100.0% QoQ
|
-0.63% |
0.63%
+18.3% YoY
|
0.95%
+12.2% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
81.58%
-4.8% YoY
+6.2% QoQ
|
-1.48% |
83.06%
+0.3% YoY
|
75.78%
+1.6% YoY
|
78.04%
+0.7% YoY
|
41% |
| Non-Interest-Bearing Deposit Share ? |
17.53%
-1.3% YoY
+12.1% QoQ
|
-3.51% |
21.05%
-0.9% YoY
|
23.21%
-2.4% YoY
|
21.79%
-1.3% YoY
|
37% |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% QoQ
|
-0.50% |
0.50%
+20.3% YoY
|
0.71%
+9.7% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? |
13.70%
+1.6% YoY
-5.7% QoQ
|
+3.45% |
10.24%
-0.6% YoY
|
7.74%
-5.6% YoY
|
9.75%
-1.9% YoY
|
65% |
| Non-Interest Income / Assets ? |
0.19%
-3.9% YoY
+32.7% QoQ
|
-0.55% |
0.74%
-1.3% YoY
|
0.68%
-3.1% YoY
|
0.65%
+0.6% YoY
|
Bottom 10% in tier |
Signature Analysis
Strengths (2)
Delinquency Rate
metric
Top 1%
in Community
Why this stands out
Current:
0.00%
(Tier avg: 0.63%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 1%
in Community
Why this stands out
Current:
0.00%
(Tier avg: 0.50%, 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: 0.63%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.50%
65
65th pctile
Tier 1 Capital Ratio
Current: 13.70% · Tier avg: 10.24%
55
55th pctile
Total Deposits
Current: $932.5M · Tier avg: $1.2B
54
54th pctile
Total Loans
Current: $760.8M · Tier avg: $975.5M
52
52th pctile
Total Assets
Current: $1.0B · Tier avg: $1.4B
41
41th pctile
Loan-to-Deposit Ratio
Current: 81.58% · Tier avg: 83.06%
37
37th pctile
Return on Assets
Current: 0.98% · Tier avg: 1.16%
37
37th pctile
Non-Interest-Bearing Deposit Share
Current: 17.53% · Tier avg: 21.05%
28
28th pctile
Net Interest Margin
Current: 3.27% · Tier avg: 3.66%
25
25th pctile
Efficiency Ratio
Current: 71.02% · Tier avg: 62.63%
10
10th pctile
Non-Interest Income / Assets
Current: 0.19% · Tier avg: 0.74%
Top Weaknesses
10
10th pctile
Non-Interest Income / Assets
Current: 0.19% · Tier avg: 0.74%
25
25th pctile
Efficiency Ratio
Current: 71.02% · Tier avg: 62.63%
28
28th pctile
Net Interest Margin
Current: 3.27% · Tier avg: 3.66%
37
37th pctile
Non-Interest-Bearing Deposit Share
Current: 17.53% · Tier avg: 21.05%
37
37th pctile
Return on Assets
Current: 0.98% · Tier avg: 1.16%
41
41th pctile
Loan-to-Deposit Ratio
Current: 81.58% · Tier avg: 83.06%
52
52th pctile
Total Assets
Current: $1.0B · Tier avg: $1.4B
54
54th pctile
Total Loans
Current: $760.8M · Tier avg: $975.5M
55
55th pctile
Total Deposits
Current: $932.5M · Tier avg: $1.2B
65
65th pctile
Tier 1 Capital Ratio
Current: 13.70% · Tier avg: 10.24%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.50%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.63%