BlastPoint's Banking Scorecard
Bank 7
Community
Specialty: Commercial
OK
FDIC cert 4147
Oklahoma City, OK
1484
banks in Community tier nationally
45 in OK
View Community leaderboard (OK) →
Bank 7 shows strong momentum with 3 strengths and 12.9% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 1.17% above tier
- + Net Interest Margin 1.37% above tier
- + Efficiency Ratio 22.26% below tier
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 ? |
$2.0B
+12.9% YoY
+3.8% QoQ
|
+$571.2M |
$1.4B
+2.0% YoY
|
$1.2B
+6.0% YoY
|
$5.9B
+6.5% YoY
|
78% |
| Total Loans ? |
$1.6B
+15.2% YoY
+4.8% QoQ
|
+$613.6M |
$975.5M
+2.4% YoY
|
$796.2M
+5.4% YoY
|
$3.1B
+8.5% YoY
|
82% |
| Total Deposits ? |
$1.7B
+12.2% YoY
+3.9% QoQ
|
+$536.3M |
$1.2B
+1.7% YoY
|
$938.6M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
80% |
| Return on Assets ? |
2.34%
-10.9% YoY
-1.6% QoQ
|
+1.17% |
1.16%
+17.2% YoY
|
1.36%
+10.0% YoY
|
1.12%
+15.6% YoY
|
Top 4% in tier |
| Net Interest Margin ? |
5.03%
-3.2% YoY
-1.2% QoQ
|
+1.37% |
3.66%
+9.1% YoY
|
4.26%
+3.2% YoY
|
3.75%
+7.1% YoY
|
Top 5% in tier |
| Efficiency Ratio ? |
40.37%
+6.1% YoY
+0.7% QoQ
|
-22.26% |
62.63%
-5.3% YoY
|
63.62%
-4.9% YoY
|
65.09%
-5.1% YoY
|
Top 5% in tier |
| Delinquency Rate ? |
0.41%
-21.8% YoY
+16.0% QoQ
|
-0.22% |
0.63%
+18.3% YoY
|
0.95%
+12.2% YoY
|
0.66%
+20.3% YoY
|
53% |
| Loan-to-Deposit Ratio ? |
93.43%
+2.6% YoY
+0.8% QoQ
|
+10.37% |
83.06%
+0.3% YoY
|
75.78%
+1.6% YoY
|
78.04%
+0.7% YoY
|
74% |
| Non-Interest-Bearing Deposit Share ? |
20.08%
-2.9% YoY
-3.6% QoQ
|
-0.97% |
21.05%
-0.9% YoY
|
23.21%
-2.4% YoY
|
21.79%
-1.3% YoY
|
50% |
| Nonperforming Asset Ratio ? |
0.35%
-18.1% YoY
+15.4% QoQ
|
-0.15% |
0.50%
+20.3% YoY
|
0.71%
+9.7% YoY
|
0.48%
+20.8% YoY
|
50% |
| Tier 1 Capital Ratio ? |
14.09%
+0.7% YoY
-0.9% QoQ
|
+3.85% |
10.24%
-0.6% YoY
|
7.74%
-5.6% YoY
|
9.75%
-1.9% YoY
|
69% |
| Non-Interest Income / Assets ? |
0.43%
-33.0% YoY
+22.9% QoQ
|
-0.31% |
0.74%
-1.3% YoY
|
0.68%
-3.1% YoY
|
0.65%
+0.6% YoY
|
40% |
Signature Analysis
Strengths (3)
Return on Assets
metric
Top 4%
in Community
Why this stands out
Current:
2.34%
(Tier avg: 1.16%, National avg: 1.12%)
Net Interest Margin
metric
Top 5%
in Community
Why this stands out
Current:
5.03%
(Tier avg: 3.66%, National avg: 3.75%)
Efficiency Ratio
metric
Top 5%
in Community
Why this stands out
Current:
40.37%
(Tier avg: 62.63%, National avg: 65.09%)
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
96
96th pctile
Return on Assets
Current: 2.34% · Tier avg: 1.16%
95
95th pctile
Efficiency Ratio
Current: 40.37% · Tier avg: 62.63%
95
95th pctile
Net Interest Margin
Current: 5.03% · Tier avg: 3.66%
82
82th pctile
Total Loans
Current: $1.6B · Tier avg: $975.5M
80
80th pctile
Total Deposits
Current: $1.7B · Tier avg: $1.2B
78
78th pctile
Total Assets
Current: $2.0B · Tier avg: $1.4B
74
74th pctile
Loan-to-Deposit Ratio
Current: 93.43% · Tier avg: 83.06%
69
69th pctile
Tier 1 Capital Ratio
Current: 14.09% · Tier avg: 10.24%
53
53th pctile
Delinquency Rate
Current: 0.41% · Tier avg: 0.63%
50
50th pctile
Non-Interest-Bearing Deposit Share
Current: 20.08% · Tier avg: 21.05%
50
50th pctile
Nonperforming Asset Ratio
Current: 0.35% · Tier avg: 0.50%
40
40th pctile
Non-Interest Income / Assets
Current: 0.43% · Tier avg: 0.74%
Top Weaknesses
40
40th pctile
Non-Interest Income / Assets
Current: 0.43% · Tier avg: 0.74%
50
50th pctile
Nonperforming Asset Ratio
Current: 0.35% · Tier avg: 0.50%
50
50th pctile
Non-Interest-Bearing Deposit Share
Current: 20.08% · Tier avg: 21.05%
53
53th pctile
Delinquency Rate
Current: 0.41% · Tier avg: 0.63%
69
69th pctile
Tier 1 Capital Ratio
Current: 14.09% · Tier avg: 10.24%
74
74th pctile
Loan-to-Deposit Ratio
Current: 93.43% · Tier avg: 83.06%
78
78th pctile
Total Assets
Current: $2.0B · Tier avg: $1.4B
80
80th pctile
Total Deposits
Current: $1.7B · Tier avg: $1.2B
82
82th pctile
Total Loans
Current: $1.6B · Tier avg: $975.5M
95
95th pctile
Net Interest Margin
Current: 5.03% · Tier avg: 3.66%
95
95th pctile
Efficiency Ratio
Current: 40.37% · Tier avg: 62.63%
96
96th pctile
Return on Assets
Current: 2.34% · Tier avg: 1.16%