BlastPoint's Banking Scorecard
The Peoples National Bank of Checotah
Micro
Specialty: Other
OK
FDIC cert 4059
Designations: ✓ Community bank
Checotah, OK
2498
banks in Micro tier nationally
121 in OK
View Micro leaderboard (OK) →
The Peoples National Bank of Checotah has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Tier 1 Capital Ratio 34.13% above tier
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 41.11% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$169.1M
+5.0% YoY
+2.9% QoQ
|
-$48.4M |
$217.5M
+2.3% YoY
|
$1.2B
+6.0% YoY
|
$5.9B
+6.5% YoY
|
43% |
| Total Loans ? |
$45.7M
-0.7% YoY
-1.4% QoQ
|
-$93.5M |
$139.2M
+2.8% YoY
|
$796.2M
+5.4% YoY
|
$3.1B
+8.5% YoY
|
17% |
| Total Deposits ? |
$136.7M
+3.5% YoY
+4.0% QoQ
|
-$47.0M |
$183.7M
+1.8% YoY
|
$938.6M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
41% |
| Return on Assets ? |
1.22%
+23.9% YoY
+0.1% QoQ
|
+0.14% |
1.08%
+14.7% YoY
|
1.36%
+10.0% YoY
|
1.12%
+15.6% YoY
|
60% |
| Net Interest Margin ? |
3.15%
+15.3% YoY
+0.8% QoQ
|
-0.70% |
3.85%
+6.6% YoY
|
4.26%
+3.2% YoY
|
3.75%
+7.1% YoY
|
21% |
| Efficiency Ratio ? |
65.14%
-6.3% YoY
-1.7% QoQ
|
-2.58% |
67.73%
-4.8% YoY
|
63.62%
-4.9% YoY
|
65.09%
-5.1% YoY
|
53% |
| Delinquency Rate ? |
0.41%
-13.2% YoY
+73.9% QoQ
|
-0.23% |
0.64%
+24.4% YoY
|
0.95%
+12.2% YoY
|
0.66%
+20.3% YoY
|
49% |
| Loan-to-Deposit Ratio ? |
33.42%
-4.1% YoY
-5.1% QoQ
|
-41.11% |
74.53%
+0.5% YoY
|
75.78%
+1.6% YoY
|
78.04%
+0.7% YoY
|
Bottom 3% in tier |
| Non-Interest-Bearing Deposit Share ? |
30.60%
-1.8% YoY
-1.6% QoQ
|
+8.21% |
22.39%
-1.3% YoY
|
23.21%
-2.4% YoY
|
21.79%
-1.3% YoY
|
81% |
| Nonperforming Asset Ratio ? |
0.11%
-17.9% YoY
+66.7% QoQ
|
-0.34% |
0.45%
+25.1% YoY
|
0.71%
+9.7% YoY
|
0.48%
+20.8% YoY
|
66% |
| Tier 1 Capital Ratio ? |
42.98%
+1.6% YoY
+0.5% QoQ
|
+34.13% |
8.85%
-3.4% YoY
|
7.74%
-5.6% YoY
|
9.75%
-1.9% YoY
|
Top 1% in tier |
| Non-Interest Income / Assets ? |
0.78%
-11.9% YoY
+30.3% QoQ
|
+0.22% |
0.56%
+0.3% YoY
|
0.68%
-3.1% YoY
|
0.65%
+0.6% YoY
|
Top 14% in tier |
Signature Analysis
Strengths (1)
Tier 1 Capital Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
42.98%
(Tier avg: 8.85%, National avg: 9.75%)
Concerns (1)
Loan-to-Deposit Ratio
metric
Bottom 3%
in Micro
Why this stands out
Current:
33.42%
(Tier avg: 74.53%, National avg: 78.04%)
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
Tier 1 Capital Ratio
Current: 42.98% · Tier avg: 8.85%
86
86th pctile
Non-Interest Income / Assets
Current: 0.78% · Tier avg: 0.56%
81
81th pctile
Non-Interest-Bearing Deposit Share
Current: 30.60% · Tier avg: 22.39%
66
66th pctile
Nonperforming Asset Ratio
Current: 0.11% · Tier avg: 0.45%
60
60th pctile
Return on Assets
Current: 1.22% · Tier avg: 1.08%
53
53th pctile
Efficiency Ratio
Current: 65.14% · Tier avg: 67.73%
49
49th pctile
Delinquency Rate
Current: 0.41% · Tier avg: 0.64%
43
43th pctile
Total Assets
Current: $169.1M · Tier avg: $217.5M
41
41th pctile
Total Deposits
Current: $136.7M · Tier avg: $183.7M
21
21th pctile
Net Interest Margin
Current: 3.15% · Tier avg: 3.85%
17
17th pctile
Total Loans
Current: $45.7M · Tier avg: $139.2M
3
3th pctile
Loan-to-Deposit Ratio
Current: 33.42% · Tier avg: 74.53%
Top Weaknesses
3
3th pctile
Loan-to-Deposit Ratio
Current: 33.42% · Tier avg: 74.53%
17
17th pctile
Total Loans
Current: $45.7M · Tier avg: $139.2M
21
21th pctile
Net Interest Margin
Current: 3.15% · Tier avg: 3.85%
41
41th pctile
Total Deposits
Current: $136.7M · Tier avg: $183.7M
43
43th pctile
Total Assets
Current: $169.1M · Tier avg: $217.5M
49
49th pctile
Delinquency Rate
Current: 0.41% · Tier avg: 0.64%
53
53th pctile
Efficiency Ratio
Current: 65.14% · Tier avg: 67.73%
60
60th pctile
Return on Assets
Current: 1.22% · Tier avg: 1.08%
66
66th pctile
Nonperforming Asset Ratio
Current: 0.11% · Tier avg: 0.45%
81
81th pctile
Non-Interest-Bearing Deposit Share
Current: 30.60% · Tier avg: 22.39%
86
86th pctile
Non-Interest Income / Assets
Current: 0.78% · Tier avg: 0.56%
100
100th pctile
Tier 1 Capital Ratio
Current: 42.98% · Tier avg: 8.85%