BlastPoint's Banking Scorecard
The Bank, National Association
Micro
Specialty: Commercial
OK
FDIC cert 4146
Designations: ✓ Community bank
Mcalester, OK
2498
banks in Micro tier nationally
121 in OK
View Micro leaderboard (OK) →
The Bank, National Association shows stable performance across key metrics
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$476.5M
+4.5% YoY
+5.4% QoQ
|
+$259.0M |
$217.5M
+2.3% YoY
|
$1.2B
+6.0% YoY
|
$5.9B
+6.5% YoY
|
Top 3% in tier |
| Total Loans ? |
$276.0M
+15.0% YoY
+5.7% QoQ
|
+$136.8M |
$139.2M
+2.8% YoY
|
$796.2M
+5.4% YoY
|
$3.1B
+8.5% YoY
|
Top 11% in tier |
| Total Deposits ? |
$435.2M
+3.9% YoY
+6.6% QoQ
|
+$251.5M |
$183.7M
+1.8% YoY
|
$938.6M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
Top 1% in tier |
| Return on Assets ? |
1.35%
+14.5% YoY
-14.4% QoQ
|
+0.27% |
1.08%
+14.7% YoY
|
1.36%
+10.0% YoY
|
1.12%
+15.6% YoY
|
68% |
| Net Interest Margin ? |
3.91%
+7.5% YoY
+1.1% QoQ
|
+0.06% |
3.85%
+6.6% YoY
|
4.26%
+3.2% YoY
|
3.75%
+7.1% YoY
|
55% |
| Efficiency Ratio ? |
67.40%
-3.7% YoY
+5.5% QoQ
|
-0.33% |
67.73%
-4.8% YoY
|
63.62%
-4.9% YoY
|
65.09%
-5.1% YoY
|
47% |
| Delinquency Rate ? |
0.86%
-6.5% YoY
-19.3% QoQ
|
+0.22% |
0.64%
+24.4% YoY
|
0.95%
+12.2% YoY
|
0.66%
+20.3% YoY
|
32% |
| Loan-to-Deposit Ratio ? |
63.43%
+10.7% YoY
-0.8% QoQ
|
-11.10% |
74.53%
+0.5% YoY
|
75.78%
+1.6% YoY
|
78.04%
+0.7% YoY
|
29% |
| Non-Interest-Bearing Deposit Share ? |
9.55%
-7.1% YoY
+17.9% QoQ
|
-12.85% |
22.39%
-1.3% YoY
|
23.21%
-2.4% YoY
|
21.79%
-1.3% YoY
|
Bottom 11% in tier |
| Nonperforming Asset Ratio ? |
0.50%
-1.3% YoY
-19.1% QoQ
|
+0.05% |
0.45%
+25.1% YoY
|
0.71%
+9.7% YoY
|
0.48%
+20.8% YoY
|
37% |
| 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 ? |
0.72%
-6.0% YoY
+25.3% QoQ
|
+0.16% |
0.56%
+0.3% YoY
|
0.68%
-3.1% YoY
|
0.65%
+0.6% YoY
|
84% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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
Total Deposits
Current: $435.2M · Tier avg: $183.7M
97
97th pctile
Total Assets
Current: $476.5M · Tier avg: $217.5M
89
89th pctile
Total Loans
Current: $276.0M · Tier avg: $139.2M
84
84th pctile
Non-Interest Income / Assets
Current: 0.72% · Tier avg: 0.56%
68
68th pctile
Return on Assets
Current: 1.35% · Tier avg: 1.08%
55
55th pctile
Net Interest Margin
Current: 3.91% · Tier avg: 3.85%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
47
47th pctile
Efficiency Ratio
Current: 67.40% · Tier avg: 67.73%
37
37th pctile
Nonperforming Asset Ratio
Current: 0.50% · Tier avg: 0.45%
32
32th pctile
Delinquency Rate
Current: 0.86% · Tier avg: 0.64%
29
29th pctile
Loan-to-Deposit Ratio
Current: 63.43% · Tier avg: 74.53%
11
11th pctile
Non-Interest-Bearing Deposit Share
Current: 9.55% · Tier avg: 22.39%
Top Weaknesses
11
11th pctile
Non-Interest-Bearing Deposit Share
Current: 9.55% · Tier avg: 22.39%
29
29th pctile
Loan-to-Deposit Ratio
Current: 63.43% · Tier avg: 74.53%
32
32th pctile
Delinquency Rate
Current: 0.86% · Tier avg: 0.64%
37
37th pctile
Nonperforming Asset Ratio
Current: 0.50% · Tier avg: 0.45%
47
47th pctile
Efficiency Ratio
Current: 67.40% · Tier avg: 67.73%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
55
55th pctile
Net Interest Margin
Current: 3.91% · Tier avg: 3.85%
68
68th pctile
Return on Assets
Current: 1.35% · Tier avg: 1.08%
84
84th pctile
Non-Interest Income / Assets
Current: 0.72% · Tier avg: 0.56%
89
89th pctile
Total Loans
Current: $276.0M · Tier avg: $139.2M
97
97th pctile
Total Assets
Current: $476.5M · Tier avg: $217.5M
99
99th pctile
Total Deposits
Current: $435.2M · Tier avg: $183.7M