BlastPoint's Banking Scorecard
McClain Bank
Micro
Specialty: Commercial
OK
FDIC cert 4187
Designations: ✓ Community bank
Purcell, OK
2498
banks in Micro tier nationally
121 in OK
View Micro leaderboard (OK) →
McClain Bank demonstrates 1 strength
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.36% 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 ? |
$282.0M
+2.1% YoY
+1.7% QoQ
|
+$64.5M |
$217.5M
+2.3% YoY
|
$1.2B
+6.0% YoY
|
$5.9B
+6.5% YoY
|
68% |
| Total Loans ? |
$191.6M
+8.0% YoY
+4.9% QoQ
|
+$52.4M |
$139.2M
+2.8% YoY
|
$796.2M
+5.4% YoY
|
$3.1B
+8.5% YoY
|
72% |
| Total Deposits ? |
$251.5M
+1.4% YoY
+1.5% QoQ
|
+$67.9M |
$183.7M
+1.8% YoY
|
$938.6M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
71% |
| Return on Assets ? |
1.81%
+13.6% YoY
-6.5% QoQ
|
+0.73% |
1.08%
+14.7% YoY
|
1.36%
+10.0% YoY
|
1.12%
+15.6% YoY
|
Top 15% in tier |
| Net Interest Margin ? |
5.21%
+4.0% YoY
+0.5% QoQ
|
+1.36% |
3.85%
+6.6% YoY
|
4.26%
+3.2% YoY
|
3.75%
+7.1% YoY
|
Top 6% in tier |
| Efficiency Ratio ? |
56.85%
-3.9% YoY
+1.9% QoQ
|
-10.87% |
67.73%
-4.8% YoY
|
63.62%
-4.9% YoY
|
65.09%
-5.1% YoY
|
76% |
| Delinquency Rate ? |
0.40%
-36.4% YoY
-55.0% QoQ
|
-0.24% |
0.64%
+24.4% YoY
|
0.95%
+12.2% YoY
|
0.66%
+20.3% YoY
|
50% |
| Loan-to-Deposit Ratio ? |
76.18%
+6.6% YoY
+3.4% QoQ
|
+1.65% |
74.53%
+0.5% YoY
|
75.78%
+1.6% YoY
|
78.04%
+0.7% YoY
|
50% |
| Non-Interest-Bearing Deposit Share ? |
33.38%
+4.1% YoY
-0.8% QoQ
|
+10.98% |
22.39%
-1.3% YoY
|
23.21%
-2.4% YoY
|
21.79%
-1.3% YoY
|
Top 14% in tier |
| Nonperforming Asset Ratio ? |
0.28%
-29.3% YoY
-51.2% QoQ
|
-0.17% |
0.45%
+25.1% YoY
|
0.71%
+9.7% YoY
|
0.48%
+20.8% YoY
|
50% |
| 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 ? |
0.86%
-8.2% YoY
+20.3% QoQ
|
+0.29% |
0.56%
+0.3% YoY
|
0.68%
-3.1% YoY
|
0.65%
+0.6% YoY
|
Top 11% in tier |
Signature Analysis
Strengths (1)
Net Interest Margin
metric
Top 6%
in Micro
Why this stands out
Current:
5.21%
(Tier avg: 3.85%, National avg: 3.75%)
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
94
94th pctile
Net Interest Margin
Current: 5.21% · Tier avg: 3.85%
89
89th pctile
Non-Interest Income / Assets
Current: 0.86% · Tier avg: 0.56%
86
86th pctile
Non-Interest-Bearing Deposit Share
Current: 33.38% · Tier avg: 22.39%
85
85th pctile
Return on Assets
Current: 1.81% · Tier avg: 1.08%
76
76th pctile
Efficiency Ratio
Current: 56.85% · Tier avg: 67.73%
72
72th pctile
Total Loans
Current: $191.6M · Tier avg: $139.2M
71
71th pctile
Total Deposits
Current: $251.5M · Tier avg: $183.7M
68
68th pctile
Total Assets
Current: $282.0M · Tier avg: $217.5M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
50
50th pctile
Loan-to-Deposit Ratio
Current: 76.18% · Tier avg: 74.53%
50
50th pctile
Delinquency Rate
Current: 0.40% · Tier avg: 0.64%
50
50th pctile
Nonperforming Asset Ratio
Current: 0.28% · Tier avg: 0.45%
Top Weaknesses
50
50th pctile
Nonperforming Asset Ratio
Current: 0.28% · Tier avg: 0.45%
50
50th pctile
Delinquency Rate
Current: 0.40% · Tier avg: 0.64%
50
50th pctile
Loan-to-Deposit Ratio
Current: 76.18% · Tier avg: 74.53%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
68
68th pctile
Total Assets
Current: $282.0M · Tier avg: $217.5M
71
71th pctile
Total Deposits
Current: $251.5M · Tier avg: $183.7M
72
72th pctile
Total Loans
Current: $191.6M · Tier avg: $139.2M
76
76th pctile
Efficiency Ratio
Current: 56.85% · Tier avg: 67.73%
85
85th pctile
Return on Assets
Current: 1.81% · Tier avg: 1.08%
86
86th pctile
Non-Interest-Bearing Deposit Share
Current: 33.38% · Tier avg: 22.39%
89
89th pctile
Non-Interest Income / Assets
Current: 0.86% · Tier avg: 0.56%
94
94th pctile
Net Interest Margin
Current: 5.21% · Tier avg: 3.85%