BlastPoint's Banking Scorecard
Great Plains National Bank
Community
Specialty: Commercial
OK
FDIC cert 34207
Elk City, OK
1484
banks in Community tier nationally
45 in OK
View Community leaderboard (OK) →
Great Plains National Bank shows strong momentum with 3 strengths and 7.2% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 26% in Community
- + Profitability Leader: Top 42% in Community
- + Net Interest Margin 1.76% 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 ? |
$1.9B
+7.2% YoY
+0.7% QoQ
|
+$458.6M |
$1.4B
+2.0% YoY
|
$1.2B
+6.0% YoY
|
$5.9B
+6.5% YoY
|
77% |
| Total Loans ? |
$1.6B
+11.0% YoY
+5.2% QoQ
|
+$586.8M |
$975.5M
+2.4% YoY
|
$796.2M
+5.4% YoY
|
$3.1B
+8.5% YoY
|
82% |
| Total Deposits ? |
$1.6B
+6.7% YoY
+0.5% QoQ
|
+$470.6M |
$1.2B
+1.7% YoY
|
$938.6M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
79% |
| Return on Assets ? |
1.73%
+23.2% YoY
+0.0% QoQ
|
+0.56% |
1.16%
+17.2% YoY
|
1.36%
+10.0% YoY
|
1.12%
+15.6% YoY
|
84% |
| Net Interest Margin ? |
5.43%
+3.4% YoY
+1.0% QoQ
|
+1.76% |
3.66%
+9.1% YoY
|
4.26%
+3.2% YoY
|
3.75%
+7.1% YoY
|
Top 2% in tier |
| Efficiency Ratio ? |
64.69%
-1.3% YoY
-2.0% QoQ
|
+2.05% |
62.63%
-5.3% YoY
|
63.62%
-4.9% YoY
|
65.09%
-5.1% YoY
|
42% |
| Delinquency Rate ? |
1.58%
+222.5% YoY
+57.4% QoQ
|
+0.95% |
0.63%
+18.3% YoY
|
0.95%
+12.2% YoY
|
0.66%
+20.3% YoY
|
Bottom 14% in tier |
| Loan-to-Deposit Ratio ? |
95.54%
+4.1% YoY
+4.6% QoQ
|
+12.48% |
83.06%
+0.3% YoY
|
75.78%
+1.6% YoY
|
78.04%
+0.7% YoY
|
78% |
| Non-Interest-Bearing Deposit Share ? |
18.83%
+4.8% YoY
+5.3% QoQ
|
-2.21% |
21.05%
-0.9% YoY
|
23.21%
-2.4% YoY
|
21.79%
-1.3% YoY
|
43% |
| Nonperforming Asset Ratio ? |
1.37%
+139.5% YoY
+31.7% QoQ
|
+0.87% |
0.50%
+20.3% YoY
|
0.71%
+9.7% YoY
|
0.48%
+20.8% YoY
|
Bottom 12% in tier |
| Tier 1 Capital Ratio ? |
10.99%
-0.6% YoY
+2.5% QoQ
|
+0.75% |
10.24%
-0.6% YoY
|
7.74%
-5.6% YoY
|
9.75%
-1.9% YoY
|
37% |
| Non-Interest Income / Assets ? |
1.34%
+19.0% YoY
+34.5% QoQ
|
+0.60% |
0.74%
-1.3% YoY
|
0.68%
-3.1% YoY
|
0.65%
+0.6% YoY
|
Top 8% in tier |
Signature Analysis
Strengths (3)
Revenue Diversifier
growth
#96 of 371 · Top 26% in Community
Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Why this signature
Noninterest Income / Assets:
1.34%
(Tier: 0.74%, National: 0.65%)
Return on Assets:
1.73%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
441 nationally
→ Stable
+4 banks QoQ
|
QoQ rank improving
Profitability Leader
growth
#157 of 371 · Top 42% in Community
Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Why this signature
Return on Assets:
1.73%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
444 nationally
→ Stable
+5 banks QoQ
|
QoQ rank improving
Net Interest Margin
metric
Top 2%
in Community
Why this stands out
Current:
5.43%
(Tier avg: 3.66%, National avg: 3.75%)
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
98
98th pctile
Net Interest Margin
Current: 5.43% · Tier avg: 3.66%
92
92th pctile
Non-Interest Income / Assets
Current: 1.34% · Tier avg: 0.74%
84
84th pctile
Return on Assets
Current: 1.73% · Tier avg: 1.16%
82
82th pctile
Total Loans
Current: $1.6B · Tier avg: $975.5M
79
79th pctile
Total Deposits
Current: $1.6B · Tier avg: $1.2B
78
78th pctile
Loan-to-Deposit Ratio
Current: 95.54% · Tier avg: 83.06%
77
77th pctile
Total Assets
Current: $1.9B · Tier avg: $1.4B
43
43th pctile
Non-Interest-Bearing Deposit Share
Current: 18.83% · Tier avg: 21.05%
42
42th pctile
Efficiency Ratio
Current: 64.69% · Tier avg: 62.63%
37
37th pctile
Tier 1 Capital Ratio
Current: 10.99% · Tier avg: 10.24%
14
14th pctile
Delinquency Rate
Current: 1.58% · Tier avg: 0.63%
12
12th pctile
Nonperforming Asset Ratio
Current: 1.37% · Tier avg: 0.50%
Top Weaknesses
12
12th pctile
Nonperforming Asset Ratio
Current: 1.37% · Tier avg: 0.50%
14
14th pctile
Delinquency Rate
Current: 1.58% · Tier avg: 0.63%
37
37th pctile
Tier 1 Capital Ratio
Current: 10.99% · Tier avg: 10.24%
42
42th pctile
Efficiency Ratio
Current: 64.69% · Tier avg: 62.63%
43
43th pctile
Non-Interest-Bearing Deposit Share
Current: 18.83% · Tier avg: 21.05%
77
77th pctile
Total Assets
Current: $1.9B · Tier avg: $1.4B
78
78th pctile
Loan-to-Deposit Ratio
Current: 95.54% · Tier avg: 83.06%
79
79th pctile
Total Deposits
Current: $1.6B · Tier avg: $1.2B
82
82th pctile
Total Loans
Current: $1.6B · Tier avg: $975.5M
84
84th pctile
Return on Assets
Current: 1.73% · Tier avg: 1.16%
92
92th pctile
Non-Interest Income / Assets
Current: 1.34% · Tier avg: 0.74%
98
98th pctile
Net Interest Margin
Current: 5.43% · Tier avg: 3.66%