BlastPoint's Banking Scorecard
AllNations Bank
Micro
Specialty: Agricultural
OK
FDIC cert 4051
Designations: ✓ Community bank
Calumet, OK
2498
banks in Micro tier nationally
121 in OK
View Micro leaderboard (OK) →
AllNations 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
- - Delinquency Rate 8.42% above tier
- - Nonperforming Asset Ratio 5.35% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$77.1M
+16.0% YoY
-3.1% QoQ
|
-$140.4M |
$217.5M
+2.3% YoY
|
$1.2B
+6.0% YoY
|
$5.9B
+6.5% YoY
|
Bottom 15% in tier |
| Total Loans ? |
$49.4M
+23.3% YoY
+11.9% QoQ
|
-$89.7M |
$139.2M
+2.8% YoY
|
$796.2M
+5.4% YoY
|
$3.1B
+8.5% YoY
|
19% |
| Total Deposits ? |
$69.8M
+15.8% YoY
-3.4% QoQ
|
-$113.9M |
$183.7M
+1.8% YoY
|
$938.6M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
17% |
| Return on Assets ? |
0.83%
-3.2% YoY
-25.4% QoQ
|
-0.25% |
1.08%
+14.7% YoY
|
1.36%
+10.0% YoY
|
1.12%
+15.6% YoY
|
35% |
| Net Interest Margin ? |
4.40%
-2.9% YoY
-5.4% QoQ
|
+0.55% |
3.85%
+6.6% YoY
|
4.26%
+3.2% YoY
|
3.75%
+7.1% YoY
|
76% |
| Efficiency Ratio ? |
70.01%
-13.4% YoY
+10.1% QoQ
|
+2.28% |
67.73%
-4.8% YoY
|
63.62%
-4.9% YoY
|
65.09%
-5.1% YoY
|
40% |
| Delinquency Rate ? |
9.06%
+79.6% YoY
+48.9% QoQ
|
+8.42% |
0.64%
+24.4% YoY
|
0.95%
+12.2% YoY
|
0.66%
+20.3% YoY
|
Bottom 1% in tier |
| Loan-to-Deposit Ratio ? |
70.86%
+6.5% YoY
+15.9% QoQ
|
-3.66% |
74.53%
+0.5% YoY
|
75.78%
+1.6% YoY
|
78.04%
+0.7% YoY
|
40% |
| Non-Interest-Bearing Deposit Share ? |
14.41%
-8.8% YoY
+11.6% QoQ
|
-7.98% |
22.39%
-1.3% YoY
|
23.21%
-2.4% YoY
|
21.79%
-1.3% YoY
|
21% |
| Nonperforming Asset Ratio ? |
5.81%
+91.0% YoY
+71.9% QoQ
|
+5.35% |
0.45%
+25.1% YoY
|
0.71%
+9.7% YoY
|
0.48%
+20.8% YoY
|
Bottom 1% in tier |
| Tier 1 Capital Ratio ? |
11.89%
-15.2% YoY
-18.1% QoQ
|
+3.03% |
8.85%
-3.4% YoY
|
7.74%
-5.6% YoY
|
9.75%
-1.9% YoY
|
58% |
| Non-Interest Income / Assets ? |
0.18%
-13.2% YoY
+44.2% QoQ
|
-0.38% |
0.56%
+0.3% YoY
|
0.68%
-3.1% YoY
|
0.65%
+0.6% YoY
|
20% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Delinquency Rate
metric
Bottom 1%
in Micro
Why this stands out
Current:
9.06%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 1%
in Micro
Why this stands out
Current:
5.81%
(Tier avg: 0.45%, National avg: 0.48%)
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
76
76th pctile
Net Interest Margin
Current: 4.40% · Tier avg: 3.85%
58
58th pctile
Tier 1 Capital Ratio
Current: 11.89% · Tier avg: 8.85%
40
40th pctile
Loan-to-Deposit Ratio
Current: 70.86% · Tier avg: 74.53%
40
40th pctile
Efficiency Ratio
Current: 70.01% · Tier avg: 67.73%
35
35th pctile
Return on Assets
Current: 0.83% · Tier avg: 1.08%
21
21th pctile
Non-Interest-Bearing Deposit Share
Current: 14.41% · Tier avg: 22.39%
20
20th pctile
Non-Interest Income / Assets
Current: 0.18% · Tier avg: 0.56%
19
19th pctile
Total Loans
Current: $49.4M · Tier avg: $139.2M
17
17th pctile
Total Deposits
Current: $69.8M · Tier avg: $183.7M
15
15th pctile
Total Assets
Current: $77.1M · Tier avg: $217.5M
0
0th pctile
Delinquency Rate
Current: 9.06% · Tier avg: 0.64%
0
0th pctile
Nonperforming Asset Ratio
Current: 5.81% · Tier avg: 0.45%
Top Weaknesses
0
0th pctile
Nonperforming Asset Ratio
Current: 5.81% · Tier avg: 0.45%
0
0th pctile
Delinquency Rate
Current: 9.06% · Tier avg: 0.64%
15
15th pctile
Total Assets
Current: $77.1M · Tier avg: $217.5M
17
17th pctile
Total Deposits
Current: $69.8M · Tier avg: $183.7M
19
19th pctile
Total Loans
Current: $49.4M · Tier avg: $139.2M
20
20th pctile
Non-Interest Income / Assets
Current: 0.18% · Tier avg: 0.56%
21
21th pctile
Non-Interest-Bearing Deposit Share
Current: 14.41% · Tier avg: 22.39%
35
35th pctile
Return on Assets
Current: 0.83% · Tier avg: 1.08%
40
40th pctile
Efficiency Ratio
Current: 70.01% · Tier avg: 67.73%
40
40th pctile
Loan-to-Deposit Ratio
Current: 70.86% · Tier avg: 74.53%
58
58th pctile
Tier 1 Capital Ratio
Current: 11.89% · Tier avg: 8.85%
76
76th pctile
Net Interest Margin
Current: 4.40% · Tier avg: 3.85%