BlastPoint's Banking Scorecard
Community Bank
Micro
Specialty: Commercial
OK
FDIC cert 25750
Designations: ✓ Community bank
Alva, OK
2498
banks in Micro tier nationally
121 in OK
View Micro leaderboard (OK) →
Community Bank faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Return on Assets 4.71% below tier
- - Net Interest Margin 1.21% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$133.3M
+3.1% YoY
+6.6% QoQ
|
-$84.2M |
$217.5M
+2.3% YoY
|
$1.2B
+6.0% YoY
|
$5.9B
+6.5% YoY
|
32% |
| Total Loans ? |
$81.9M
+48.4% YoY
+63.9% QoQ
|
-$57.2M |
$139.2M
+2.8% YoY
|
$796.2M
+5.4% YoY
|
$3.1B
+8.5% YoY
|
35% |
| Total Deposits ? |
$114.4M
-3.3% YoY
-0.0% QoQ
|
-$69.2M |
$183.7M
+1.8% YoY
|
$938.6M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
34% |
| Return on Assets ? |
-3.63%
+20.1% QoQ
|
-4.71% |
1.08%
+14.7% YoY
|
1.36%
+10.0% YoY
|
1.12%
+15.6% YoY
|
Bottom 1% in tier |
| Net Interest Margin ? |
2.64%
+26.3% YoY
+12.2% QoQ
|
-1.21% |
3.85%
+6.6% YoY
|
4.26%
+3.2% YoY
|
3.75%
+7.1% YoY
|
Bottom 7% in tier |
| Efficiency Ratio ? |
69.87%
-19.6% YoY
+3.0% QoQ
|
+2.14% |
67.73%
-4.8% YoY
|
63.62%
-4.9% YoY
|
65.09%
-5.1% YoY
|
40% |
| Delinquency Rate ? |
1.67%
+645.6% YoY
-20.5% QoQ
|
+1.03% |
0.64%
+24.4% YoY
|
0.95%
+12.2% YoY
|
0.66%
+20.3% YoY
|
16% |
| Loan-to-Deposit Ratio ? |
71.61%
+53.5% YoY
+63.9% QoQ
|
-2.92% |
74.53%
+0.5% YoY
|
75.78%
+1.6% YoY
|
78.04%
+0.7% YoY
|
59% |
| Non-Interest-Bearing Deposit Share ? |
20.03%
-1.2% YoY
-13.3% QoQ
|
-2.37% |
22.39%
-1.3% YoY
|
23.21%
-2.4% YoY
|
21.79%
-1.3% YoY
|
42% |
| Nonperforming Asset Ratio ? |
1.03%
+972.9% YoY
+18.3% QoQ
|
+0.58% |
0.45%
+25.1% YoY
|
0.71%
+9.7% YoY
|
0.48%
+20.8% YoY
|
19% |
| Tier 1 Capital Ratio ? |
0.00%
-100.0% YoY
-100.0% QoQ
|
-8.85% |
8.85%
-3.4% YoY
|
7.74%
-5.6% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.28%
+34.3% YoY
+35.9% QoQ
|
-0.28% |
0.56%
+0.3% YoY
|
0.68%
-3.1% YoY
|
0.65%
+0.6% YoY
|
37% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Return on Assets
metric
Bottom 1%
in Micro
Why this stands out
Current:
-3.63%
(Tier avg: 1.08%, National avg: 1.12%)
Net Interest Margin
metric
Bottom 7%
in Micro
Why this stands out
Current:
2.64%
(Tier avg: 3.85%, National avg: 3.75%)
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
59
59th pctile
Loan-to-Deposit Ratio
Current: 71.61% · Tier avg: 74.53%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
42
42th pctile
Non-Interest-Bearing Deposit Share
Current: 20.03% · Tier avg: 22.39%
40
40th pctile
Efficiency Ratio
Current: 69.87% · Tier avg: 67.73%
37
37th pctile
Non-Interest Income / Assets
Current: 0.28% · Tier avg: 0.56%
35
35th pctile
Total Loans
Current: $81.9M · Tier avg: $139.2M
34
34th pctile
Total Deposits
Current: $114.4M · Tier avg: $183.7M
32
32th pctile
Total Assets
Current: $133.3M · Tier avg: $217.5M
19
19th pctile
Nonperforming Asset Ratio
Current: 1.03% · Tier avg: 0.45%
16
16th pctile
Delinquency Rate
Current: 1.67% · Tier avg: 0.64%
7
7th pctile
Net Interest Margin
Current: 2.64% · Tier avg: 3.85%
0
0th pctile
Return on Assets
Current: -3.63% · Tier avg: 1.08%
Top Weaknesses
0
0th pctile
Return on Assets
Current: -3.63% · Tier avg: 1.08%
7
7th pctile
Net Interest Margin
Current: 2.64% · Tier avg: 3.85%
16
16th pctile
Delinquency Rate
Current: 1.67% · Tier avg: 0.64%
19
19th pctile
Nonperforming Asset Ratio
Current: 1.03% · Tier avg: 0.45%
32
32th pctile
Total Assets
Current: $133.3M · Tier avg: $217.5M
34
34th pctile
Total Deposits
Current: $114.4M · Tier avg: $183.7M
35
35th pctile
Total Loans
Current: $81.9M · Tier avg: $139.2M
37
37th pctile
Non-Interest Income / Assets
Current: 0.28% · Tier avg: 0.56%
40
40th pctile
Efficiency Ratio
Current: 69.87% · Tier avg: 67.73%
42
42th pctile
Non-Interest-Bearing Deposit Share
Current: 20.03% · Tier avg: 22.39%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
59
59th pctile
Loan-to-Deposit Ratio
Current: 71.61% · Tier avg: 74.53%