BlastPoint's Banking Scorecard
AVB Bank
Community
Specialty: Commercial
OK
FDIC cert 2326
Broken Arrow, OK
1484
banks in Community tier nationally
45 in OK
View Community leaderboard (OK) →
AVB 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
- - Credit Risk Growth: Bottom 37% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$548.0M
+7.5% YoY
+3.5% QoQ
|
-$843.5M |
$1.4B
+2.0% YoY
|
$1.2B
+6.0% YoY
|
$5.9B
+6.5% YoY
|
Bottom 7% in tier |
| Total Loans ? |
$418.9M
+4.5% YoY
-0.0% QoQ
|
-$556.5M |
$975.5M
+2.4% YoY
|
$796.2M
+5.4% YoY
|
$3.1B
+8.5% YoY
|
17% |
| Total Deposits ? |
$477.5M
+8.0% YoY
+3.6% QoQ
|
-$687.1M |
$1.2B
+1.7% YoY
|
$938.6M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
Bottom 9% in tier |
| Return on Assets ? |
1.13%
+98.4% YoY
+15.7% QoQ
|
-0.03% |
1.16%
+17.2% YoY
|
1.36%
+10.0% YoY
|
1.12%
+15.6% YoY
|
50% |
| Net Interest Margin ? |
4.37%
+14.6% YoY
+0.3% QoQ
|
+0.71% |
3.66%
+9.1% YoY
|
4.26%
+3.2% YoY
|
3.75%
+7.1% YoY
|
83% |
| Efficiency Ratio ? |
71.49%
-10.8% YoY
+1.2% QoQ
|
+8.86% |
62.63%
-5.3% YoY
|
63.62%
-4.9% YoY
|
65.09%
-5.1% YoY
|
24% |
| Delinquency Rate ? |
0.45%
+694.0% YoY
-1.0% QoQ
|
-0.18% |
0.63%
+18.3% YoY
|
0.95%
+12.2% YoY
|
0.66%
+20.3% YoY
|
50% |
| Loan-to-Deposit Ratio ? |
87.73%
-3.2% YoY
-3.5% QoQ
|
+4.67% |
83.06%
+0.3% YoY
|
75.78%
+1.6% YoY
|
78.04%
+0.7% YoY
|
58% |
| Non-Interest-Bearing Deposit Share ? |
14.92%
-1.2% YoY
-1.6% QoQ
|
-6.13% |
21.05%
-0.9% YoY
|
23.21%
-2.4% YoY
|
21.79%
-1.3% YoY
|
25% |
| Nonperforming Asset Ratio ? |
0.34%
+672.0% YoY
-4.4% QoQ
|
-0.15% |
0.50%
+20.3% YoY
|
0.71%
+9.7% YoY
|
0.48%
+20.8% YoY
|
50% |
| Tier 1 Capital Ratio ? |
12.63%
+3.4% YoY
+4.9% QoQ
|
+2.39% |
10.24%
-0.6% YoY
|
7.74%
-5.6% YoY
|
9.75%
-1.9% YoY
|
54% |
| Non-Interest Income / Assets ? |
0.35%
-5.4% YoY
+26.8% QoQ
|
-0.39% |
0.74%
-1.3% YoY
|
0.68%
-3.1% YoY
|
0.65%
+0.6% YoY
|
30% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Credit Risk Growth
risk
#237 of 642 · Bottom 37% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 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
83
83th pctile
Net Interest Margin
Current: 4.37% · Tier avg: 3.66%
58
58th pctile
Loan-to-Deposit Ratio
Current: 87.73% · Tier avg: 83.06%
54
54th pctile
Tier 1 Capital Ratio
Current: 12.63% · Tier avg: 10.24%
50
50th pctile
Return on Assets
Current: 1.13% · Tier avg: 1.16%
50
50th pctile
Delinquency Rate
Current: 0.45% · Tier avg: 0.63%
50
50th pctile
Nonperforming Asset Ratio
Current: 0.34% · Tier avg: 0.50%
30
30th pctile
Non-Interest Income / Assets
Current: 0.35% · Tier avg: 0.74%
25
25th pctile
Non-Interest-Bearing Deposit Share
Current: 14.92% · Tier avg: 21.05%
24
24th pctile
Efficiency Ratio
Current: 71.49% · Tier avg: 62.63%
17
17th pctile
Total Loans
Current: $418.9M · Tier avg: $975.5M
9
9th pctile
Total Deposits
Current: $477.5M · Tier avg: $1.2B
7
7th pctile
Total Assets
Current: $548.0M · Tier avg: $1.4B
Top Weaknesses
7
7th pctile
Total Assets
Current: $548.0M · Tier avg: $1.4B
9
9th pctile
Total Deposits
Current: $477.5M · Tier avg: $1.2B
17
17th pctile
Total Loans
Current: $418.9M · Tier avg: $975.5M
24
24th pctile
Efficiency Ratio
Current: 71.49% · Tier avg: 62.63%
25
25th pctile
Non-Interest-Bearing Deposit Share
Current: 14.92% · Tier avg: 21.05%
30
30th pctile
Non-Interest Income / Assets
Current: 0.35% · Tier avg: 0.74%
50
50th pctile
Nonperforming Asset Ratio
Current: 0.34% · Tier avg: 0.50%
50
50th pctile
Delinquency Rate
Current: 0.45% · Tier avg: 0.63%
50
50th pctile
Return on Assets
Current: 1.13% · Tier avg: 1.16%
54
54th pctile
Tier 1 Capital Ratio
Current: 12.63% · Tier avg: 10.24%
58
58th pctile
Loan-to-Deposit Ratio
Current: 87.73% · Tier avg: 83.06%
83
83th pctile
Net Interest Margin
Current: 4.37% · Tier avg: 3.66%