BlastPoint's Banking Scorecard
Oklahoma Bank and Trust Company
Micro
Specialty: Agricultural
OK
FDIC cert 4067
Designations: ✓ Community bank
Clinton, OK
2498
banks in Micro tier nationally
121 in OK
View Micro leaderboard (OK) →
Oklahoma Bank and Trust Company has 2 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 33.45% below tier
- + Tier 1 Capital Ratio 28.46% above tier
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.27% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$208.8M
+1.9% YoY
+11.9% QoQ
|
-$8.7M |
$217.5M
+2.3% YoY
|
$1.2B
+6.0% YoY
|
$5.9B
+6.5% YoY
|
54% |
| Total Loans ? |
$74.0M
+6.2% YoY
+3.4% QoQ
|
-$65.2M |
$139.2M
+2.8% YoY
|
$796.2M
+5.4% YoY
|
$3.1B
+8.5% YoY
|
31% |
| Total Deposits ? |
$180.2M
+0.7% YoY
+13.8% QoQ
|
-$3.5M |
$183.7M
+1.8% YoY
|
$938.6M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
54% |
| Return on Assets ? |
1.15%
+4.2% YoY
-3.6% QoQ
|
+0.07% |
1.08%
+14.7% YoY
|
1.36%
+10.0% YoY
|
1.12%
+15.6% YoY
|
56% |
| Net Interest Margin ? |
2.58%
+1.0% YoY
-0.4% QoQ
|
-1.27% |
3.85%
+6.6% YoY
|
4.26%
+3.2% YoY
|
3.75%
+7.1% YoY
|
Bottom 7% in tier |
| Efficiency Ratio ? |
58.65%
-1.3% YoY
+1.7% QoQ
|
-9.08% |
67.73%
-4.8% YoY
|
63.62%
-4.9% YoY
|
65.09%
-5.1% YoY
|
71% |
| Delinquency Rate ? |
0.08%
-89.0% YoY
-89.8% QoQ
|
-0.56% |
0.64%
+24.4% YoY
|
0.95%
+12.2% YoY
|
0.66%
+20.3% YoY
|
73% |
| Loan-to-Deposit Ratio ? |
41.08%
+5.5% YoY
-9.2% QoQ
|
-33.45% |
74.53%
+0.5% YoY
|
75.78%
+1.6% YoY
|
78.04%
+0.7% YoY
|
Top 7% in tier |
| Non-Interest-Bearing Deposit Share ? |
18.75%
-10.2% YoY
-15.8% QoQ
|
-3.64% |
22.39%
-1.3% YoY
|
23.21%
-2.4% YoY
|
21.79%
-1.3% YoY
|
37% |
| Nonperforming Asset Ratio ? |
0.12%
-49.4% YoY
-58.3% QoQ
|
-0.33% |
0.45%
+25.1% YoY
|
0.71%
+9.7% YoY
|
0.48%
+20.8% YoY
|
65% |
| Tier 1 Capital Ratio ? |
37.31%
-1.4% YoY
-4.2% QoQ
|
+28.46% |
8.85%
-3.4% YoY
|
7.74%
-5.6% YoY
|
9.75%
-1.9% YoY
|
Top 2% in tier |
| Non-Interest Income / Assets ? |
0.27%
-8.2% YoY
+20.6% QoQ
|
-0.29% |
0.56%
+0.3% YoY
|
0.68%
-3.1% YoY
|
0.65%
+0.6% YoY
|
36% |
Signature Analysis
Strengths (2)
Loan-to-Deposit Ratio
metric
Top 7%
in Micro
Why this stands out
Current:
41.08%
(Tier avg: 74.53%, National avg: 78.04%)
Tier 1 Capital Ratio
metric
Top 2%
in Micro
Why this stands out
Current:
37.31%
(Tier avg: 8.85%, National avg: 9.75%)
Concerns (1)
Net Interest Margin
metric
Bottom 7%
in Micro
Why this stands out
Current:
2.58%
(Tier avg: 3.85%, National avg: 3.75%)
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
Tier 1 Capital Ratio
Current: 37.31% · Tier avg: 8.85%
93
93th pctile
Loan-to-Deposit Ratio
Current: 41.08% · Tier avg: 74.53%
73
73th pctile
Delinquency Rate
Current: 0.08% · Tier avg: 0.64%
71
71th pctile
Efficiency Ratio
Current: 58.65% · Tier avg: 67.73%
65
65th pctile
Nonperforming Asset Ratio
Current: 0.12% · Tier avg: 0.45%
56
56th pctile
Return on Assets
Current: 1.15% · Tier avg: 1.08%
54
54th pctile
Total Deposits
Current: $180.2M · Tier avg: $183.7M
54
54th pctile
Total Assets
Current: $208.8M · Tier avg: $217.5M
37
37th pctile
Non-Interest-Bearing Deposit Share
Current: 18.75% · Tier avg: 22.39%
36
36th pctile
Non-Interest Income / Assets
Current: 0.27% · Tier avg: 0.56%
31
31th pctile
Total Loans
Current: $74.0M · Tier avg: $139.2M
7
7th pctile
Net Interest Margin
Current: 2.58% · Tier avg: 3.85%
Top Weaknesses
7
7th pctile
Net Interest Margin
Current: 2.58% · Tier avg: 3.85%
31
31th pctile
Total Loans
Current: $74.0M · Tier avg: $139.2M
36
36th pctile
Non-Interest Income / Assets
Current: 0.27% · Tier avg: 0.56%
37
37th pctile
Non-Interest-Bearing Deposit Share
Current: 18.75% · Tier avg: 22.39%
54
54th pctile
Total Assets
Current: $208.8M · Tier avg: $217.5M
54
54th pctile
Total Deposits
Current: $180.2M · Tier avg: $183.7M
56
56th pctile
Return on Assets
Current: 1.15% · Tier avg: 1.08%
65
65th pctile
Nonperforming Asset Ratio
Current: 0.12% · Tier avg: 0.45%
71
71th pctile
Efficiency Ratio
Current: 58.65% · Tier avg: 67.73%
73
73th pctile
Delinquency Rate
Current: 0.08% · Tier avg: 0.64%
93
93th pctile
Loan-to-Deposit Ratio
Current: 41.08% · Tier avg: 74.53%
98
98th pctile
Tier 1 Capital Ratio
Current: 37.31% · Tier avg: 8.85%