BlastPoint's Banking Scorecard
The City National Bank and Trust Company of Lawton, Oklahoma
Micro
Specialty: Commercial
OK
FDIC cert 4132
Designations: ✓ Community bank
Lawton, OK
2498
banks in Micro tier nationally
121 in OK
View Micro leaderboard (OK) →
The City National Bank and Trust Company of Lawton, Oklahoma has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest Income / Assets 7.00% above tier
Key Concerns
Areas that may need attention
- - Nonperforming Asset Ratio 2.05% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$434.8M
+1.5% YoY
-1.8% QoQ
|
+$217.3M |
$217.5M
+2.3% YoY
|
$1.2B
+6.0% YoY
|
$5.9B
+6.5% YoY
|
Top 7% in tier |
| Total Loans ? |
$297.0M
-5.0% YoY
-1.1% QoQ
|
+$157.8M |
$139.2M
+2.8% YoY
|
$796.2M
+5.4% YoY
|
$3.1B
+8.5% YoY
|
Top 8% in tier |
| Total Deposits ? |
$361.9M
+5.3% YoY
-1.9% QoQ
|
+$178.3M |
$183.7M
+1.8% YoY
|
$938.6M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
Top 8% in tier |
| Return on Assets ? |
1.76%
+11.0% YoY
+13.0% QoQ
|
+0.67% |
1.08%
+14.7% YoY
|
1.36%
+10.0% YoY
|
1.12%
+15.6% YoY
|
84% |
| Net Interest Margin ? |
4.10%
+3.2% YoY
+2.2% QoQ
|
+0.25% |
3.85%
+6.6% YoY
|
4.26%
+3.2% YoY
|
3.75%
+7.1% YoY
|
63% |
| Efficiency Ratio ? |
81.53%
-1.8% YoY
-2.0% QoQ
|
+13.80% |
67.73%
-4.8% YoY
|
63.62%
-4.9% YoY
|
65.09%
-5.1% YoY
|
18% |
| Delinquency Rate ? |
0.61%
-41.6% YoY
+5.5% QoQ
|
-0.03% |
0.64%
+24.4% YoY
|
0.95%
+12.2% YoY
|
0.66%
+20.3% YoY
|
40% |
| Loan-to-Deposit Ratio ? |
82.06%
-9.8% YoY
+0.8% QoQ
|
+7.54% |
74.53%
+0.5% YoY
|
75.78%
+1.6% YoY
|
78.04%
+0.7% YoY
|
38% |
| Non-Interest-Bearing Deposit Share ? |
24.93%
-0.4% YoY
+2.1% QoQ
|
+2.54% |
22.39%
-1.3% YoY
|
23.21%
-2.4% YoY
|
21.79%
-1.3% YoY
|
63% |
| Nonperforming Asset Ratio ? |
2.50%
-2.1% YoY
+2.0% QoQ
|
+2.05% |
0.45%
+25.1% YoY
|
0.71%
+9.7% YoY
|
0.48%
+20.8% YoY
|
Bottom 1% in tier |
| 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 ? |
7.56%
-2.0% YoY
+38.1% QoQ
|
+7.00% |
0.56%
+0.3% YoY
|
0.68%
-3.1% YoY
|
0.65%
+0.6% YoY
|
Top 1% in tier |
Signature Analysis
Strengths (1)
Non-Interest Income / Assets
metric
Top 1%
in Micro
Why this stands out
Current:
7.56%
(Tier avg: 0.56%, National avg: 0.65%)
Concerns (1)
Nonperforming Asset Ratio
metric
Bottom 1%
in Micro
Why this stands out
Current:
2.50%
(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
99
99th pctile
Non-Interest Income / Assets
Current: 7.56% · Tier avg: 0.56%
93
93th pctile
Total Assets
Current: $434.8M · Tier avg: $217.5M
92
92th pctile
Total Deposits
Current: $361.9M · Tier avg: $183.7M
92
92th pctile
Total Loans
Current: $297.0M · Tier avg: $139.2M
84
84th pctile
Return on Assets
Current: 1.76% · Tier avg: 1.08%
63
63th pctile
Net Interest Margin
Current: 4.10% · Tier avg: 3.85%
63
63th pctile
Non-Interest-Bearing Deposit Share
Current: 24.93% · Tier avg: 22.39%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
40
40th pctile
Delinquency Rate
Current: 0.61% · Tier avg: 0.64%
38
38th pctile
Loan-to-Deposit Ratio
Current: 82.06% · Tier avg: 74.53%
18
18th pctile
Efficiency Ratio
Current: 81.53% · Tier avg: 67.73%
0
0th pctile
Nonperforming Asset Ratio
Current: 2.50% · Tier avg: 0.45%
Top Weaknesses
0
0th pctile
Nonperforming Asset Ratio
Current: 2.50% · Tier avg: 0.45%
18
18th pctile
Efficiency Ratio
Current: 81.53% · Tier avg: 67.73%
38
38th pctile
Loan-to-Deposit Ratio
Current: 82.06% · Tier avg: 74.53%
40
40th pctile
Delinquency Rate
Current: 0.61% · Tier avg: 0.64%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
63
63th pctile
Non-Interest-Bearing Deposit Share
Current: 24.93% · Tier avg: 22.39%
63
63th pctile
Net Interest Margin
Current: 4.10% · Tier avg: 3.85%
84
84th pctile
Return on Assets
Current: 1.76% · Tier avg: 1.08%
92
92th pctile
Total Loans
Current: $297.0M · Tier avg: $139.2M
92
92th pctile
Total Deposits
Current: $361.9M · Tier avg: $183.7M
93
93th pctile
Total Assets
Current: $434.8M · Tier avg: $217.5M
99
99th pctile
Non-Interest Income / Assets
Current: 7.56% · Tier avg: 0.56%