BlastPoint's Banking Scorecard
The Bankers Bank
Micro
Specialty: Commercial
OK
FDIC cert 26677
Oklahoma City, OK
2498
banks in Micro tier nationally
121 in OK
View Micro leaderboard (OK) →
The Bankers Bank shows strong momentum with 4 strengths and 19.5% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Loan-to-Deposit Ratio 45.05% above tier
- + Nonperforming Asset Ratio 0.45% below tier
- + Non-Interest Income / Assets 2.78% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$329.8M
+19.5% YoY
+11.3% QoQ
|
+$112.3M |
$217.5M
+2.3% YoY
|
$1.2B
+6.0% YoY
|
$5.9B
+6.5% YoY
|
77% |
| Total Loans ? |
$261.3M
+28.6% YoY
+10.1% QoQ
|
+$122.1M |
$139.2M
+2.8% YoY
|
$796.2M
+5.4% YoY
|
$3.1B
+8.5% YoY
|
Top 13% in tier |
| Total Deposits ? |
$218.5M
-6.1% YoY
+0.7% QoQ
|
+$34.9M |
$183.7M
+1.8% YoY
|
$938.6M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
64% |
| Return on Assets ? |
1.15%
-29.4% YoY
-4.5% QoQ
|
+0.06% |
1.08%
+14.7% YoY
|
1.36%
+10.0% YoY
|
1.12%
+15.6% YoY
|
56% |
| Net Interest Margin ? |
4.04%
+2.7% YoY
-1.2% QoQ
|
+0.19% |
3.85%
+6.6% YoY
|
4.26%
+3.2% YoY
|
3.75%
+7.1% YoY
|
60% |
| Efficiency Ratio ? |
76.11%
-2.2% YoY
+0.4% QoQ
|
+8.38% |
67.73%
-4.8% YoY
|
63.62%
-4.9% YoY
|
65.09%
-5.1% YoY
|
26% |
| Delinquency Rate ? | 0.00% | -0.64% |
0.64%
+24.4% YoY
|
0.95%
+12.2% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
119.58%
+37.0% YoY
+9.3% QoQ
|
+45.05% |
74.53%
+0.5% YoY
|
75.78%
+1.6% YoY
|
78.04%
+0.7% YoY
|
Top 1% in tier |
| Non-Interest-Bearing Deposit Share ? |
28.68%
-28.6% YoY
+7.9% QoQ
|
+6.29% |
22.39%
-1.3% YoY
|
23.21%
-2.4% YoY
|
21.79%
-1.3% YoY
|
75% |
| Nonperforming Asset Ratio ? | 0.00% | -0.45% |
0.45%
+25.1% YoY
|
0.71%
+9.7% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? |
12.78%
-17.9% YoY
-7.2% QoQ
|
+3.92% |
8.85%
-3.4% YoY
|
7.74%
-5.6% YoY
|
9.75%
-1.9% YoY
|
62% |
| Non-Interest Income / Assets ? |
3.35%
-14.5% YoY
+25.8% QoQ
|
+2.78% |
0.56%
+0.3% YoY
|
0.68%
-3.1% YoY
|
0.65%
+0.6% YoY
|
Top 2% in tier |
Signature Analysis
Strengths (4)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Loan-to-Deposit Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
119.58%
(Tier avg: 74.53%, National avg: 78.04%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
Non-Interest Income / Assets
metric
Top 2%
in Micro
Why this stands out
Current:
3.35%
(Tier avg: 0.56%, National avg: 0.65%)
Concerns (0)
No concerns identified
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
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
99
99th pctile
Loan-to-Deposit Ratio
Current: 119.58% · Tier avg: 74.53%
98
98th pctile
Non-Interest Income / Assets
Current: 3.35% · Tier avg: 0.56%
87
87th pctile
Total Loans
Current: $261.3M · Tier avg: $139.2M
77
77th pctile
Total Assets
Current: $329.8M · Tier avg: $217.5M
75
75th pctile
Non-Interest-Bearing Deposit Share
Current: 28.68% · Tier avg: 22.39%
64
64th pctile
Total Deposits
Current: $218.5M · Tier avg: $183.7M
62
62th pctile
Tier 1 Capital Ratio
Current: 12.78% · Tier avg: 8.85%
60
60th pctile
Net Interest Margin
Current: 4.04% · Tier avg: 3.85%
56
56th pctile
Return on Assets
Current: 1.15% · Tier avg: 1.08%
26
26th pctile
Efficiency Ratio
Current: 76.11% · Tier avg: 67.73%
Top Weaknesses
26
26th pctile
Efficiency Ratio
Current: 76.11% · Tier avg: 67.73%
56
56th pctile
Return on Assets
Current: 1.15% · Tier avg: 1.08%
60
60th pctile
Net Interest Margin
Current: 4.04% · Tier avg: 3.85%
62
62th pctile
Tier 1 Capital Ratio
Current: 12.78% · Tier avg: 8.85%
64
64th pctile
Total Deposits
Current: $218.5M · Tier avg: $183.7M
75
75th pctile
Non-Interest-Bearing Deposit Share
Current: 28.68% · Tier avg: 22.39%
77
77th pctile
Total Assets
Current: $329.8M · Tier avg: $217.5M
87
87th pctile
Total Loans
Current: $261.3M · Tier avg: $139.2M
98
98th pctile
Non-Interest Income / Assets
Current: 3.35% · Tier avg: 0.56%
99
99th pctile
Loan-to-Deposit Ratio
Current: 119.58% · Tier avg: 74.53%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%