BlastPoint's Banking Scorecard
Latimer State Bank
Micro
Specialty: Other
OK
FDIC cert 22839
Designations: ✓ Community bank
Wilburton, OK
2498
banks in Micro tier nationally
121 in OK
View Micro leaderboard (OK) →
Latimer State Bank has 2 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 1.50% above tier
- + Efficiency Ratio 31.20% below tier
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 48.17% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$65.4M
-2.7% YoY
-0.4% QoQ
|
-$152.1M |
$217.5M
+2.3% YoY
|
$1.2B
+6.0% YoY
|
$5.9B
+6.5% YoY
|
Bottom 12% in tier |
| Total Loans ? |
$12.9M
+0.0% YoY
+2.1% QoQ
|
-$126.3M |
$139.2M
+2.8% YoY
|
$796.2M
+5.4% YoY
|
$3.1B
+8.5% YoY
|
Bottom 4% in tier |
| Total Deposits ? |
$48.9M
-4.9% YoY
-1.2% QoQ
|
-$134.7M |
$183.7M
+1.8% YoY
|
$938.6M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
Bottom 10% in tier |
| Return on Assets ? |
2.59%
+12.7% YoY
-6.2% QoQ
|
+1.50% |
1.08%
+14.7% YoY
|
1.36%
+10.0% YoY
|
1.12%
+15.6% YoY
|
Top 3% in tier |
| Net Interest Margin ? |
4.16%
+10.4% YoY
-0.8% QoQ
|
+0.30% |
3.85%
+6.6% YoY
|
4.26%
+3.2% YoY
|
3.75%
+7.1% YoY
|
66% |
| Efficiency Ratio ? |
36.52%
-4.2% YoY
+11.4% QoQ
|
-31.20% |
67.73%
-4.8% YoY
|
63.62%
-4.9% YoY
|
65.09%
-5.1% YoY
|
Top 1% in tier |
| Delinquency Rate ? |
0.59%
-42.0% YoY
-47.2% QoQ
|
-0.05% |
0.64%
+24.4% YoY
|
0.95%
+12.2% YoY
|
0.66%
+20.3% YoY
|
42% |
| Loan-to-Deposit Ratio ? |
26.36%
+5.1% YoY
+3.3% QoQ
|
-48.17% |
74.53%
+0.5% YoY
|
75.78%
+1.6% YoY
|
78.04%
+0.7% YoY
|
Bottom 1% in tier |
| Non-Interest-Bearing Deposit Share ? |
20.51%
-16.4% YoY
-4.9% QoQ
|
-1.88% |
22.39%
-1.3% YoY
|
23.21%
-2.4% YoY
|
21.79%
-1.3% YoY
|
45% |
| Nonperforming Asset Ratio ? |
0.12%
-49.3% YoY
-45.9% QoQ
|
-0.34% |
0.45%
+25.1% YoY
|
0.71%
+9.7% YoY
|
0.48%
+20.8% YoY
|
65% |
| Tier 1 Capital Ratio ? |
72.39%
+6.1% YoY
+1.5% QoQ
|
+63.54% |
8.85%
-3.4% YoY
|
7.74%
-5.6% YoY
|
9.75%
-1.9% YoY
|
- |
| Non-Interest Income / Assets ? |
0.16%
-8.0% YoY
+23.4% QoQ
|
-0.41% |
0.56%
+0.3% YoY
|
0.68%
-3.1% YoY
|
0.65%
+0.6% YoY
|
16% |
Signature Analysis
Strengths (2)
Return on Assets
metric
Top 3%
in Micro
Why this stands out
Current:
2.59%
(Tier avg: 1.08%, National avg: 1.12%)
Efficiency Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
36.52%
(Tier avg: 67.73%, National avg: 65.09%)
Concerns (1)
Loan-to-Deposit Ratio
metric
Bottom 1%
in Micro
Why this stands out
Current:
26.36%
(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
99
99th pctile
Efficiency Ratio
Current: 36.52% · Tier avg: 67.73%
97
97th pctile
Return on Assets
Current: 2.59% · Tier avg: 1.08%
66
66th pctile
Net Interest Margin
Current: 4.16% · Tier avg: 3.85%
65
65th pctile
Nonperforming Asset Ratio
Current: 0.12% · Tier avg: 0.45%
45
45th pctile
Non-Interest-Bearing Deposit Share
Current: 20.51% · Tier avg: 22.39%
42
42th pctile
Delinquency Rate
Current: 0.59% · Tier avg: 0.64%
16
16th pctile
Non-Interest Income / Assets
Current: 0.16% · Tier avg: 0.56%
12
12th pctile
Total Assets
Current: $65.4M · Tier avg: $217.5M
10
10th pctile
Total Deposits
Current: $48.9M · Tier avg: $183.7M
4
4th pctile
Total Loans
Current: $12.9M · Tier avg: $139.2M
1
1th pctile
Loan-to-Deposit Ratio
Current: 26.36% · Tier avg: 74.53%
Top Weaknesses
1
1th pctile
Loan-to-Deposit Ratio
Current: 26.36% · Tier avg: 74.53%
4
4th pctile
Total Loans
Current: $12.9M · Tier avg: $139.2M
10
10th pctile
Total Deposits
Current: $48.9M · Tier avg: $183.7M
12
12th pctile
Total Assets
Current: $65.4M · Tier avg: $217.5M
16
16th pctile
Non-Interest Income / Assets
Current: 0.16% · Tier avg: 0.56%
42
42th pctile
Delinquency Rate
Current: 0.59% · Tier avg: 0.64%
45
45th pctile
Non-Interest-Bearing Deposit Share
Current: 20.51% · Tier avg: 22.39%
65
65th pctile
Nonperforming Asset Ratio
Current: 0.12% · Tier avg: 0.45%
66
66th pctile
Net Interest Margin
Current: 4.16% · Tier avg: 3.85%
97
97th pctile
Return on Assets
Current: 2.59% · Tier avg: 1.08%
99
99th pctile
Efficiency Ratio
Current: 36.52% · Tier avg: 67.73%