BlastPoint's Banking Scorecard
American Nation Bank
Community
Specialty: Commercial
OK
FDIC cert 24472
Ardmore, OK
1484
banks in Community tier nationally
45 in OK
View Community leaderboard (OK) →
American Nation 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
- - Capital Thin: Bottom 48% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$684.1M
+5.0% YoY
+0.3% QoQ
|
-$707.3M |
$1.4B
+2.0% YoY
|
$1.2B
+6.0% YoY
|
$5.9B
+6.5% YoY
|
26% |
| Total Loans ? |
$468.0M
+4.3% YoY
+2.6% QoQ
|
-$507.5M |
$975.5M
+2.4% YoY
|
$796.2M
+5.4% YoY
|
$3.1B
+8.5% YoY
|
25% |
| Total Deposits ? |
$565.8M
+2.3% YoY
-1.9% QoQ
|
-$598.8M |
$1.2B
+1.7% YoY
|
$938.6M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
24% |
| Return on Assets ? |
1.52%
+12.3% YoY
+0.6% QoQ
|
+0.36% |
1.16%
+17.2% YoY
|
1.36%
+10.0% YoY
|
1.12%
+15.6% YoY
|
75% |
| Net Interest Margin ? |
3.72%
+10.3% YoY
+1.6% QoQ
|
+0.05% |
3.66%
+9.1% YoY
|
4.26%
+3.2% YoY
|
3.75%
+7.1% YoY
|
55% |
| Efficiency Ratio ? |
60.30%
-3.0% YoY
+1.1% QoQ
|
-2.33% |
62.63%
-5.3% YoY
|
63.62%
-4.9% YoY
|
65.09%
-5.1% YoY
|
55% |
| Delinquency Rate ? |
0.04%
-55.0% YoY
-10.0% QoQ
|
-0.58% |
0.63%
+18.3% YoY
|
0.95%
+12.2% YoY
|
0.66%
+20.3% YoY
|
Top 11% in tier |
| Loan-to-Deposit Ratio ? |
82.72%
+1.9% YoY
+4.5% QoQ
|
-0.35% |
83.06%
+0.3% YoY
|
75.78%
+1.6% YoY
|
78.04%
+0.7% YoY
|
56% |
| Non-Interest-Bearing Deposit Share ? |
19.40%
+2.3% YoY
+2.4% QoQ
|
-1.64% |
21.05%
-0.9% YoY
|
23.21%
-2.4% YoY
|
21.79%
-1.3% YoY
|
46% |
| Nonperforming Asset Ratio ? |
0.80%
-14.6% YoY
-0.6% QoQ
|
+0.30% |
0.50%
+20.3% YoY
|
0.71%
+9.7% YoY
|
0.48%
+20.8% YoY
|
25% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
7.74%
-5.6% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.49%
-0.6% YoY
+33.4% QoQ
|
-0.25% |
0.74%
-1.3% YoY
|
0.68%
-3.1% YoY
|
0.65%
+0.6% YoY
|
47% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Capital Thin
risk
#209 of 432 · Bottom 48% in Community
Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Why this signature
Tier 1 Risk-Based Capital Ratio:
0.00%
(Tier: 10.24%, National: 9.75%)
432 of 432 Community banks match
·
505 nationally
→ Stable
+11 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
89
89th pctile
Delinquency Rate
Current: 0.04% · Tier avg: 0.63%
75
75th pctile
Return on Assets
Current: 1.52% · Tier avg: 1.16%
56
56th pctile
Loan-to-Deposit Ratio
Current: 82.72% · Tier avg: 83.06%
55
55th pctile
Efficiency Ratio
Current: 60.30% · Tier avg: 62.63%
55
55th pctile
Net Interest Margin
Current: 3.72% · Tier avg: 3.66%
47
47th pctile
Non-Interest Income / Assets
Current: 0.49% · Tier avg: 0.74%
46
46th pctile
Non-Interest-Bearing Deposit Share
Current: 19.40% · Tier avg: 21.05%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
26
26th pctile
Total Assets
Current: $684.1M · Tier avg: $1.4B
25
25th pctile
Total Loans
Current: $468.0M · Tier avg: $975.5M
25
25th pctile
Nonperforming Asset Ratio
Current: 0.80% · Tier avg: 0.50%
24
24th pctile
Total Deposits
Current: $565.8M · Tier avg: $1.2B
Top Weaknesses
24
24th pctile
Total Deposits
Current: $565.8M · Tier avg: $1.2B
25
25th pctile
Nonperforming Asset Ratio
Current: 0.80% · Tier avg: 0.50%
25
25th pctile
Total Loans
Current: $468.0M · Tier avg: $975.5M
26
26th pctile
Total Assets
Current: $684.1M · Tier avg: $1.4B
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
46
46th pctile
Non-Interest-Bearing Deposit Share
Current: 19.40% · Tier avg: 21.05%
47
47th pctile
Non-Interest Income / Assets
Current: 0.49% · Tier avg: 0.74%
55
55th pctile
Net Interest Margin
Current: 3.72% · Tier avg: 3.66%
55
55th pctile
Efficiency Ratio
Current: 60.30% · Tier avg: 62.63%
56
56th pctile
Loan-to-Deposit Ratio
Current: 82.72% · Tier avg: 83.06%
75
75th pctile
Return on Assets
Current: 1.52% · Tier avg: 1.16%
89
89th pctile
Delinquency Rate
Current: 0.04% · Tier avg: 0.63%