BlastPoint's Banking Scorecard
Quail Creek Bank
Community
Specialty: Commercial
OK
FDIC cert 21848
Oklahoma City, OK
1484
banks in Community tier nationally
45 in OK
View Community leaderboard (OK) →
Quail Creek 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
- - Margin Compression: Bottom 69% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$821.9M
+5.2% YoY
+2.9% QoQ
|
-$569.6M |
$1.4B
+2.0% YoY
|
$1.2B
+6.0% YoY
|
$5.9B
+6.5% YoY
|
37% |
| Total Loans ? |
$610.4M
+2.4% YoY
+0.2% QoQ
|
-$365.0M |
$975.5M
+2.4% YoY
|
$796.2M
+5.4% YoY
|
$3.1B
+8.5% YoY
|
42% |
| Total Deposits ? |
$743.3M
+5.6% YoY
+2.6% QoQ
|
-$421.3M |
$1.2B
+1.7% YoY
|
$938.6M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
42% |
| Return on Assets ? |
1.75%
-7.1% YoY
-2.0% QoQ
|
+0.58% |
1.16%
+17.2% YoY
|
1.36%
+10.0% YoY
|
1.12%
+15.6% YoY
|
85% |
| Net Interest Margin ? |
4.31%
-0.6% YoY
-0.1% QoQ
|
+0.65% |
3.66%
+9.1% YoY
|
4.26%
+3.2% YoY
|
3.75%
+7.1% YoY
|
81% |
| Efficiency Ratio ? |
57.74%
+8.3% YoY
+0.3% QoQ
|
-4.90% |
62.63%
-5.3% YoY
|
63.62%
-4.9% YoY
|
65.09%
-5.1% YoY
|
65% |
| Delinquency Rate ? |
1.22%
+238.9% YoY
+5.0% QoQ
|
+0.59% |
0.63%
+18.3% YoY
|
0.95%
+12.2% YoY
|
0.66%
+20.3% YoY
|
21% |
| Loan-to-Deposit Ratio ? |
82.13%
-3.0% YoY
-2.3% QoQ
|
-0.93% |
83.06%
+0.3% YoY
|
75.78%
+1.6% YoY
|
78.04%
+0.7% YoY
|
43% |
| Non-Interest-Bearing Deposit Share ? |
23.97%
-7.5% YoY
-6.5% QoQ
|
+2.93% |
21.05%
-0.9% YoY
|
23.21%
-2.4% YoY
|
21.79%
-1.3% YoY
|
66% |
| Nonperforming Asset Ratio ? |
0.94%
+242.3% YoY
+6.1% QoQ
|
+0.44% |
0.50%
+20.3% YoY
|
0.71%
+9.7% YoY
|
0.48%
+20.8% YoY
|
21% |
| Tier 1 Capital Ratio ? |
13.85%
-1.0% YoY
+5.5% QoQ
|
+3.61% |
10.24%
-0.6% YoY
|
7.74%
-5.6% YoY
|
9.75%
-1.9% YoY
|
66% |
| Non-Interest Income / Assets ? |
0.25%
-11.9% YoY
+32.2% QoQ
|
-0.49% |
0.74%
-1.3% YoY
|
0.68%
-3.1% YoY
|
0.65%
+0.6% YoY
|
17% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Margin Compression
decline
#83 of 120 · Bottom 69% in Community
Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Why this signature
Return on Assets:
1.75%
(Tier: 1.16%, National: 1.12%)
120 of 120 Community banks match
·
147 nationally
→ Stable
-9 banks QoQ
|
QoQ rank declining
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
85
85th pctile
Return on Assets
Current: 1.75% · Tier avg: 1.16%
81
81th pctile
Net Interest Margin
Current: 4.31% · Tier avg: 3.66%
66
66th pctile
Tier 1 Capital Ratio
Current: 13.85% · Tier avg: 10.24%
66
66th pctile
Non-Interest-Bearing Deposit Share
Current: 23.97% · Tier avg: 21.05%
65
65th pctile
Efficiency Ratio
Current: 57.74% · Tier avg: 62.63%
43
43th pctile
Loan-to-Deposit Ratio
Current: 82.13% · Tier avg: 83.06%
42
42th pctile
Total Loans
Current: $610.4M · Tier avg: $975.5M
42
42th pctile
Total Deposits
Current: $743.3M · Tier avg: $1.2B
37
37th pctile
Total Assets
Current: $821.9M · Tier avg: $1.4B
21
21th pctile
Nonperforming Asset Ratio
Current: 0.94% · Tier avg: 0.50%
21
21th pctile
Delinquency Rate
Current: 1.22% · Tier avg: 0.63%
17
17th pctile
Non-Interest Income / Assets
Current: 0.25% · Tier avg: 0.74%
Top Weaknesses
17
17th pctile
Non-Interest Income / Assets
Current: 0.25% · Tier avg: 0.74%
21
21th pctile
Delinquency Rate
Current: 1.22% · Tier avg: 0.63%
21
21th pctile
Nonperforming Asset Ratio
Current: 0.94% · Tier avg: 0.50%
37
37th pctile
Total Assets
Current: $821.9M · Tier avg: $1.4B
42
42th pctile
Total Deposits
Current: $743.3M · Tier avg: $1.2B
42
42th pctile
Total Loans
Current: $610.4M · Tier avg: $975.5M
43
43th pctile
Loan-to-Deposit Ratio
Current: 82.13% · Tier avg: 83.06%
65
65th pctile
Efficiency Ratio
Current: 57.74% · Tier avg: 62.63%
66
66th pctile
Non-Interest-Bearing Deposit Share
Current: 23.97% · Tier avg: 21.05%
66
66th pctile
Tier 1 Capital Ratio
Current: 13.85% · Tier avg: 10.24%
81
81th pctile
Net Interest Margin
Current: 4.31% · Tier avg: 3.66%
85
85th pctile
Return on Assets
Current: 1.75% · Tier avg: 1.16%