BlastPoint's Banking Scorecard
Patrons Bank, National Association
Micro
Specialty: Commercial
OK
FDIC cert 4170
Designations: ✓ Community bank
Okmulgee, OK
2498
banks in Micro tier nationally
121 in OK
View Micro leaderboard (OK) →
Patrons Bank, National Association shows strong momentum with 1 strength and 5.9% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest Income / Assets 0.34% above 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 ? |
$298.2M
+5.9% YoY
+1.4% QoQ
|
+$80.7M |
$217.5M
+2.3% YoY
|
$1.2B
+6.0% YoY
|
$5.9B
+6.5% YoY
|
72% |
| Total Loans ? |
$171.2M
+5.2% YoY
+10.6% QoQ
|
+$32.0M |
$139.2M
+2.8% YoY
|
$796.2M
+5.4% YoY
|
$3.1B
+8.5% YoY
|
67% |
| Total Deposits ? |
$259.9M
+3.9% YoY
-0.0% QoQ
|
+$76.3M |
$183.7M
+1.8% YoY
|
$938.6M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
73% |
| Return on Assets ? |
0.98%
-19.9% YoY
-9.6% QoQ
|
-0.10% |
1.08%
+14.7% YoY
|
1.36%
+10.0% YoY
|
1.12%
+15.6% YoY
|
45% |
| Net Interest Margin ? |
4.09%
+4.2% YoY
+0.3% QoQ
|
+0.23% |
3.85%
+6.6% YoY
|
4.26%
+3.2% YoY
|
3.75%
+7.1% YoY
|
62% |
| Efficiency Ratio ? |
78.81%
+3.3% YoY
+2.9% QoQ
|
+11.08% |
67.73%
-4.8% YoY
|
63.62%
-4.9% YoY
|
65.09%
-5.1% YoY
|
22% |
| Delinquency Rate ? |
1.08%
-19.1% YoY
-13.5% QoQ
|
+0.44% |
0.64%
+24.4% YoY
|
0.95%
+12.2% YoY
|
0.66%
+20.3% YoY
|
27% |
| Loan-to-Deposit Ratio ? |
65.86%
+1.3% YoY
+10.6% QoQ
|
-8.67% |
74.53%
+0.5% YoY
|
75.78%
+1.6% YoY
|
78.04%
+0.7% YoY
|
68% |
| Non-Interest-Bearing Deposit Share ? |
23.35%
-0.9% YoY
+1.0% QoQ
|
+0.95% |
22.39%
-1.3% YoY
|
23.21%
-2.4% YoY
|
21.79%
-1.3% YoY
|
57% |
| Nonperforming Asset Ratio ? |
0.62%
-20.0% YoY
-5.5% QoQ
|
+0.17% |
0.45%
+25.1% YoY
|
0.71%
+9.7% YoY
|
0.48%
+20.8% YoY
|
31% |
| Tier 1 Capital Ratio ? |
14.20%
-2.9% YoY
-9.1% QoQ
|
+5.34% |
8.85%
-3.4% YoY
|
7.74%
-5.6% YoY
|
9.75%
-1.9% YoY
|
69% |
| Non-Interest Income / Assets ? |
0.91%
-8.8% YoY
+30.5% QoQ
|
+0.34% |
0.56%
+0.3% YoY
|
0.68%
-3.1% YoY
|
0.65%
+0.6% YoY
|
Top 10% in tier |
Signature Analysis
Strengths (1)
Non-Interest Income / Assets
metric
Top 10%
in Micro
Why this stands out
Current:
0.91%
(Tier avg: 0.56%, National avg: 0.65%)
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
90
90th pctile
Non-Interest Income / Assets
Current: 0.91% · Tier avg: 0.56%
73
73th pctile
Total Deposits
Current: $259.9M · Tier avg: $183.7M
72
72th pctile
Total Assets
Current: $298.2M · Tier avg: $217.5M
69
69th pctile
Tier 1 Capital Ratio
Current: 14.20% · Tier avg: 8.85%
68
68th pctile
Loan-to-Deposit Ratio
Current: 65.86% · Tier avg: 74.53%
67
67th pctile
Total Loans
Current: $171.2M · Tier avg: $139.2M
62
62th pctile
Net Interest Margin
Current: 4.09% · Tier avg: 3.85%
57
57th pctile
Non-Interest-Bearing Deposit Share
Current: 23.35% · Tier avg: 22.39%
45
45th pctile
Return on Assets
Current: 0.98% · Tier avg: 1.08%
31
31th pctile
Nonperforming Asset Ratio
Current: 0.62% · Tier avg: 0.45%
27
27th pctile
Delinquency Rate
Current: 1.08% · Tier avg: 0.64%
22
22th pctile
Efficiency Ratio
Current: 78.81% · Tier avg: 67.73%
Top Weaknesses
22
22th pctile
Efficiency Ratio
Current: 78.81% · Tier avg: 67.73%
27
27th pctile
Delinquency Rate
Current: 1.08% · Tier avg: 0.64%
31
31th pctile
Nonperforming Asset Ratio
Current: 0.62% · Tier avg: 0.45%
45
45th pctile
Return on Assets
Current: 0.98% · Tier avg: 1.08%
57
57th pctile
Non-Interest-Bearing Deposit Share
Current: 23.35% · Tier avg: 22.39%
62
62th pctile
Net Interest Margin
Current: 4.09% · Tier avg: 3.85%
67
67th pctile
Total Loans
Current: $171.2M · Tier avg: $139.2M
68
68th pctile
Loan-to-Deposit Ratio
Current: 65.86% · Tier avg: 74.53%
69
69th pctile
Tier 1 Capital Ratio
Current: 14.20% · Tier avg: 8.85%
72
72th pctile
Total Assets
Current: $298.2M · Tier avg: $217.5M
73
73th pctile
Total Deposits
Current: $259.9M · Tier avg: $183.7M
90
90th pctile
Non-Interest Income / Assets
Current: 0.91% · Tier avg: 0.56%