BlastPoint's Banking Scorecard
MapleMark Bank
Community
Specialty: Commercial
OK
FDIC cert 3182
Tulsa, OK
1484
banks in Community tier nationally
45 in OK
View Community leaderboard (OK) →
MapleMark Bank faces 3 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 5% in Community
- - Deposit Outflow: Bottom 29% in Community
- - Efficiency Drag: 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 ? |
$1.0B
-5.3% YoY
-5.0% QoQ
|
-$386.5M |
$1.4B
+2.0% YoY
|
$1.2B
+6.0% YoY
|
$5.9B
+6.5% YoY
|
50% |
| Total Loans ? |
$788.6M
-2.7% YoY
-0.7% QoQ
|
-$186.9M |
$975.5M
+2.4% YoY
|
$796.2M
+5.4% YoY
|
$3.1B
+8.5% YoY
|
56% |
| Total Deposits ? |
$836.1M
-2.2% YoY
-4.2% QoQ
|
-$328.5M |
$1.2B
+1.7% YoY
|
$938.6M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
50% |
| Return on Assets ? |
0.50%
+106.8% YoY
-8.0% QoQ
|
-0.67% |
1.16%
+17.2% YoY
|
1.36%
+10.0% YoY
|
1.12%
+15.6% YoY
|
Bottom 11% in tier |
| Net Interest Margin ? |
3.57%
+50.1% YoY
-3.1% QoQ
|
-0.09% |
3.66%
+9.1% YoY
|
4.26%
+3.2% YoY
|
3.75%
+7.1% YoY
|
45% |
| Efficiency Ratio ? |
80.83%
-10.8% YoY
+2.0% QoQ
|
+18.20% |
62.63%
-5.3% YoY
|
63.62%
-4.9% YoY
|
65.09%
-5.1% YoY
|
Bottom 10% in tier |
| Delinquency Rate ? |
0.56%
+219.6% YoY
|
-0.07% |
0.63%
+18.3% YoY
|
0.95%
+12.2% YoY
|
0.66%
+20.3% YoY
|
42% |
| Loan-to-Deposit Ratio ? |
94.32%
-0.5% YoY
+3.7% QoQ
|
+11.26% |
83.06%
+0.3% YoY
|
75.78%
+1.6% YoY
|
78.04%
+0.7% YoY
|
24% |
| Non-Interest-Bearing Deposit Share ? |
18.10%
-6.2% YoY
+1.6% QoQ
|
-2.95% |
21.05%
-0.9% YoY
|
23.21%
-2.4% YoY
|
21.79%
-1.3% YoY
|
39% |
| Nonperforming Asset Ratio ? |
0.47%
+248.9% YoY
+754.3% QoQ
|
-0.03% |
0.50%
+20.3% YoY
|
0.71%
+9.7% YoY
|
0.48%
+20.8% YoY
|
41% |
| Tier 1 Capital Ratio ? |
14.51%
+7.3% YoY
+0.1% QoQ
|
+4.26% |
10.24%
-0.6% YoY
|
7.74%
-5.6% YoY
|
9.75%
-1.9% YoY
|
72% |
| Non-Interest Income / Assets ? |
0.30%
+23.0% YoY
+47.4% QoQ
|
-0.44% |
0.74%
-1.3% YoY
|
0.68%
-3.1% YoY
|
0.65%
+0.6% YoY
|
23% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (3)
Liquidity Strain
risk
#26 of 513 · Bottom 5% in Community
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
94.32%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank declining
Deposit Outflow
decline
#72 of 248 · Bottom 29% in Community
Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
248 of 248 Community banks match
·
294 nationally
↑ Growing
+37 banks QoQ
|
QoQ rank declining
Efficiency Drag
risk
#74 of 152 · Bottom 48% in Community
Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Why this signature
Efficiency Ratio:
80.83%
(Tier: 62.63%, National: 65.09%)
152 of 152 Community banks match
·
163 nationally
→ Stable
-9 banks QoQ
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
72
72th pctile
Tier 1 Capital Ratio
Current: 14.51% · Tier avg: 10.24%
56
56th pctile
Total Loans
Current: $788.6M · Tier avg: $975.5M
50
50th pctile
Total Assets
Current: $1.0B · Tier avg: $1.4B
50
50th pctile
Total Deposits
Current: $836.1M · Tier avg: $1.2B
45
45th pctile
Net Interest Margin
Current: 3.57% · Tier avg: 3.66%
42
42th pctile
Delinquency Rate
Current: 0.56% · Tier avg: 0.63%
41
41th pctile
Nonperforming Asset Ratio
Current: 0.47% · Tier avg: 0.50%
39
39th pctile
Non-Interest-Bearing Deposit Share
Current: 18.10% · Tier avg: 21.05%
24
24th pctile
Loan-to-Deposit Ratio
Current: 94.32% · Tier avg: 83.06%
23
23th pctile
Non-Interest Income / Assets
Current: 0.30% · Tier avg: 0.74%
11
11th pctile
Return on Assets
Current: 0.50% · Tier avg: 1.16%
10
10th pctile
Efficiency Ratio
Current: 80.83% · Tier avg: 62.63%
Top Weaknesses
10
10th pctile
Efficiency Ratio
Current: 80.83% · Tier avg: 62.63%
11
11th pctile
Return on Assets
Current: 0.50% · Tier avg: 1.16%
23
23th pctile
Non-Interest Income / Assets
Current: 0.30% · Tier avg: 0.74%
24
24th pctile
Loan-to-Deposit Ratio
Current: 94.32% · Tier avg: 83.06%
39
39th pctile
Non-Interest-Bearing Deposit Share
Current: 18.10% · Tier avg: 21.05%
41
41th pctile
Nonperforming Asset Ratio
Current: 0.47% · Tier avg: 0.50%
42
42th pctile
Delinquency Rate
Current: 0.56% · Tier avg: 0.63%
45
45th pctile
Net Interest Margin
Current: 3.57% · Tier avg: 3.66%
50
50th pctile
Total Deposits
Current: $836.1M · Tier avg: $1.2B
50
50th pctile
Total Assets
Current: $1.0B · Tier avg: $1.4B
56
56th pctile
Total Loans
Current: $788.6M · Tier avg: $975.5M
72
72th pctile
Tier 1 Capital Ratio
Current: 14.51% · Tier avg: 10.24%