BlastPoint's Banking Scorecard
McCurtain County National Bank
Micro
Specialty: Other
OK
FDIC cert 23798
Designations: ✓ Community bank
Broken Bow, OK
2498
banks in Micro tier nationally
121 in OK
View Micro leaderboard (OK) →
McCurtain County National 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
- - Loan-to-Deposit Ratio 29.19% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$383.1M
+2.4% YoY
+4.0% QoQ
|
+$165.6M |
$217.5M
+2.3% YoY
|
$1.2B
+6.0% YoY
|
$5.9B
+6.5% YoY
|
Top 14% in tier |
| Total Loans ? |
$146.8M
-4.9% YoY
-1.5% QoQ
|
+$7.6M |
$139.2M
+2.8% YoY
|
$796.2M
+5.4% YoY
|
$3.1B
+8.5% YoY
|
59% |
| Total Deposits ? |
$323.8M
+1.0% YoY
+4.4% QoQ
|
+$140.2M |
$183.7M
+1.8% YoY
|
$938.6M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
Top 15% in tier |
| Return on Assets ? |
1.34%
-5.9% YoY
-4.7% QoQ
|
+0.26% |
1.08%
+14.7% YoY
|
1.36%
+10.0% YoY
|
1.12%
+15.6% YoY
|
67% |
| Net Interest Margin ? |
3.72%
+0.6% YoY
+0.3% QoQ
|
-0.13% |
3.85%
+6.6% YoY
|
4.26%
+3.2% YoY
|
3.75%
+7.1% YoY
|
45% |
| Efficiency Ratio ? |
55.08%
+4.9% YoY
+3.8% QoQ
|
-12.65% |
67.73%
-4.8% YoY
|
63.62%
-4.9% YoY
|
65.09%
-5.1% YoY
|
81% |
| Delinquency Rate ? |
1.64%
+231.8% YoY
+27.8% QoQ
|
+1.00% |
0.64%
+24.4% YoY
|
0.95%
+12.2% YoY
|
0.66%
+20.3% YoY
|
17% |
| Loan-to-Deposit Ratio ? |
45.33%
-5.8% YoY
-5.6% QoQ
|
-29.19% |
74.53%
+0.5% YoY
|
75.78%
+1.6% YoY
|
78.04%
+0.7% YoY
|
Bottom 9% in tier |
| Non-Interest-Bearing Deposit Share ? |
29.76%
-14.4% YoY
-5.9% QoQ
|
+7.36% |
22.39%
-1.3% YoY
|
23.21%
-2.4% YoY
|
21.79%
-1.3% YoY
|
78% |
| Nonperforming Asset Ratio ? |
0.63%
+208.2% YoY
+21.1% QoQ
|
+0.18% |
0.45%
+25.1% YoY
|
0.71%
+9.7% YoY
|
0.48%
+20.8% YoY
|
31% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
7.74%
-5.6% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.41%
-6.8% YoY
+29.2% QoQ
|
-0.15% |
0.56%
+0.3% YoY
|
0.68%
-3.1% YoY
|
0.65%
+0.6% YoY
|
58% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Loan-to-Deposit Ratio
metric
Bottom 9%
in Micro
Why this stands out
Current:
45.33%
(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
86
86th pctile
Total Assets
Current: $383.1M · Tier avg: $217.5M
85
85th pctile
Total Deposits
Current: $323.8M · Tier avg: $183.7M
81
81th pctile
Efficiency Ratio
Current: 55.08% · Tier avg: 67.73%
78
78th pctile
Non-Interest-Bearing Deposit Share
Current: 29.76% · Tier avg: 22.39%
67
67th pctile
Return on Assets
Current: 1.34% · Tier avg: 1.08%
59
59th pctile
Total Loans
Current: $146.8M · Tier avg: $139.2M
58
58th pctile
Non-Interest Income / Assets
Current: 0.41% · Tier avg: 0.56%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
45
45th pctile
Net Interest Margin
Current: 3.72% · Tier avg: 3.85%
31
31th pctile
Nonperforming Asset Ratio
Current: 0.63% · Tier avg: 0.45%
17
17th pctile
Delinquency Rate
Current: 1.64% · Tier avg: 0.64%
9
9th pctile
Loan-to-Deposit Ratio
Current: 45.33% · Tier avg: 74.53%
Top Weaknesses
9
9th pctile
Loan-to-Deposit Ratio
Current: 45.33% · Tier avg: 74.53%
17
17th pctile
Delinquency Rate
Current: 1.64% · Tier avg: 0.64%
31
31th pctile
Nonperforming Asset Ratio
Current: 0.63% · Tier avg: 0.45%
45
45th pctile
Net Interest Margin
Current: 3.72% · Tier avg: 3.85%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
58
58th pctile
Non-Interest Income / Assets
Current: 0.41% · Tier avg: 0.56%
59
59th pctile
Total Loans
Current: $146.8M · Tier avg: $139.2M
67
67th pctile
Return on Assets
Current: 1.34% · Tier avg: 1.08%
78
78th pctile
Non-Interest-Bearing Deposit Share
Current: 29.76% · Tier avg: 22.39%
81
81th pctile
Efficiency Ratio
Current: 55.08% · Tier avg: 67.73%
85
85th pctile
Total Deposits
Current: $323.8M · Tier avg: $183.7M
86
86th pctile
Total Assets
Current: $383.1M · Tier avg: $217.5M