BlastPoint's Banking Scorecard
Bank of Eufaula
Micro
Specialty: Other
OK
FDIC cert 4094
Designations: ✓ Community bank
Eufaula, OK
2498
banks in Micro tier nationally
121 in OK
View Micro leaderboard (OK) →
Bank of Eufaula has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 46.99% below tier
Key Concerns
Areas that may need attention
- - Return on Assets 1.03% below tier
- - Efficiency Ratio 29.62% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$91.9M
-10.2% YoY
+0.2% QoQ
|
-$125.6M |
$217.5M
+2.3% YoY
|
$1.2B
+6.0% YoY
|
$5.9B
+6.5% YoY
|
20% |
| Total Loans ? |
$22.4M
-14.5% YoY
-2.7% QoQ
|
-$116.7M |
$139.2M
+2.8% YoY
|
$796.2M
+5.4% YoY
|
$3.1B
+8.5% YoY
|
Bottom 8% in tier |
| Total Deposits ? |
$81.5M
-13.6% YoY
+0.1% QoQ
|
-$102.2M |
$183.7M
+1.8% YoY
|
$938.6M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
22% |
| Return on Assets ? |
0.05%
+104.9% YoY
-17.6% QoQ
|
-1.03% |
1.08%
+14.7% YoY
|
1.36%
+10.0% YoY
|
1.12%
+15.6% YoY
|
Bottom 7% in tier |
| Net Interest Margin ? |
3.45%
+4.1% YoY
-1.5% QoQ
|
-0.40% |
3.85%
+6.6% YoY
|
4.26%
+3.2% YoY
|
3.75%
+7.1% YoY
|
31% |
| Efficiency Ratio ? |
97.35%
-7.0% YoY
+1.9% QoQ
|
+29.62% |
67.73%
-4.8% YoY
|
63.62%
-4.9% YoY
|
65.09%
-5.1% YoY
|
Bottom 6% in tier |
| Delinquency Rate ? |
1.13%
-86.5% YoY
-50.6% QoQ
|
+0.49% |
0.64%
+24.4% YoY
|
0.95%
+12.2% YoY
|
0.66%
+20.3% YoY
|
26% |
| Loan-to-Deposit Ratio ? |
27.54%
-1.0% YoY
-2.8% QoQ
|
-46.99% |
74.53%
+0.5% YoY
|
75.78%
+1.6% YoY
|
78.04%
+0.7% YoY
|
Top 1% in tier |
| Non-Interest-Bearing Deposit Share ? |
31.93%
+10.5% YoY
-0.5% QoQ
|
+9.54% |
22.39%
-1.3% YoY
|
23.21%
-2.4% YoY
|
21.79%
-1.3% YoY
|
83% |
| Nonperforming Asset Ratio ? |
0.66%
-72.7% YoY
-31.2% QoQ
|
+0.21% |
0.45%
+25.1% YoY
|
0.71%
+9.7% YoY
|
0.48%
+20.8% YoY
|
30% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
7.74%
-5.6% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.41%
+50.6% YoY
+29.0% QoQ
|
-0.15% |
0.56%
+0.3% YoY
|
0.68%
-3.1% YoY
|
0.65%
+0.6% YoY
|
57% |
Signature Analysis
Strengths (1)
Loan-to-Deposit Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
27.54%
(Tier avg: 74.53%, National avg: 78.04%)
Concerns (2)
Return on Assets
metric
Bottom 7%
in Micro
Why this stands out
Current:
0.05%
(Tier avg: 1.08%, National avg: 1.12%)
Efficiency Ratio
metric
Bottom 6%
in Micro
Why this stands out
Current:
97.35%
(Tier avg: 67.73%, National avg: 65.09%)
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
99
99th pctile
Loan-to-Deposit Ratio
Current: 27.54% · Tier avg: 74.53%
83
83th pctile
Non-Interest-Bearing Deposit Share
Current: 31.93% · Tier avg: 22.39%
57
57th pctile
Non-Interest Income / Assets
Current: 0.41% · Tier avg: 0.56%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
31
31th pctile
Net Interest Margin
Current: 3.45% · Tier avg: 3.85%
30
30th pctile
Nonperforming Asset Ratio
Current: 0.66% · Tier avg: 0.45%
26
26th pctile
Delinquency Rate
Current: 1.13% · Tier avg: 0.64%
22
22th pctile
Total Deposits
Current: $81.5M · Tier avg: $183.7M
20
20th pctile
Total Assets
Current: $91.9M · Tier avg: $217.5M
8
8th pctile
Total Loans
Current: $22.4M · Tier avg: $139.2M
7
7th pctile
Return on Assets
Current: 0.05% · Tier avg: 1.08%
6
6th pctile
Efficiency Ratio
Current: 97.35% · Tier avg: 67.73%
Top Weaknesses
6
6th pctile
Efficiency Ratio
Current: 97.35% · Tier avg: 67.73%
7
7th pctile
Return on Assets
Current: 0.05% · Tier avg: 1.08%
8
8th pctile
Total Loans
Current: $22.4M · Tier avg: $139.2M
20
20th pctile
Total Assets
Current: $91.9M · Tier avg: $217.5M
22
22th pctile
Total Deposits
Current: $81.5M · Tier avg: $183.7M
26
26th pctile
Delinquency Rate
Current: 1.13% · Tier avg: 0.64%
30
30th pctile
Nonperforming Asset Ratio
Current: 0.66% · Tier avg: 0.45%
31
31th pctile
Net Interest Margin
Current: 3.45% · Tier avg: 3.85%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
57
57th pctile
Non-Interest Income / Assets
Current: 0.41% · Tier avg: 0.56%
83
83th pctile
Non-Interest-Bearing Deposit Share
Current: 31.93% · Tier avg: 22.39%
99
99th pctile
Loan-to-Deposit Ratio
Current: 27.54% · Tier avg: 74.53%