BlastPoint's Banking Scorecard
THE SEILING STATE BANK
Micro
Specialty: Agricultural
OK
FDIC cert 4193
Designations: ✓ Community bank
Seiling, OK
2498
banks in Micro tier nationally
121 in OK
View Micro leaderboard (OK) →
THE SEILING STATE BANK faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Return on Assets 2.28% below tier
- - Non-Interest-Bearing Deposit Share 13.74% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$196.3M
+2.3% YoY
-7.0% QoQ
|
-$21.2M |
$217.5M
+2.3% YoY
|
$1.2B
+6.0% YoY
|
$5.9B
+6.5% YoY
|
51% |
| Total Loans ? |
$141.7M
+10.1% YoY
+5.9% QoQ
|
+$2.5M |
$139.2M
+2.8% YoY
|
$796.2M
+5.4% YoY
|
$3.1B
+8.5% YoY
|
57% |
| Total Deposits ? |
$178.0M
+1.6% YoY
-8.3% QoQ
|
-$5.6M |
$183.7M
+1.8% YoY
|
$938.6M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
54% |
| Return on Assets ? |
-1.20%
-271.7% YoY
-215.6% QoQ
|
-2.28% |
1.08%
+14.7% YoY
|
1.36%
+10.0% YoY
|
1.12%
+15.6% YoY
|
Bottom 2% in tier |
| Net Interest Margin ? |
3.68%
+8.6% YoY
-2.8% QoQ
|
-0.17% |
3.85%
+6.6% YoY
|
4.26%
+3.2% YoY
|
3.75%
+7.1% YoY
|
44% |
| Efficiency Ratio ? |
74.10%
-6.5% YoY
+6.6% QoQ
|
+6.38% |
67.73%
-4.8% YoY
|
63.62%
-4.9% YoY
|
65.09%
-5.1% YoY
|
30% |
| Delinquency Rate ? |
0.45%
-20.8% YoY
+197.9% QoQ
|
-0.19% |
0.64%
+24.4% YoY
|
0.95%
+12.2% YoY
|
0.66%
+20.3% YoY
|
48% |
| Loan-to-Deposit Ratio ? |
79.58%
+8.4% YoY
+15.6% QoQ
|
+5.05% |
74.53%
+0.5% YoY
|
75.78%
+1.6% YoY
|
78.04%
+0.7% YoY
|
43% |
| Non-Interest-Bearing Deposit Share ? |
8.66%
-21.3% YoY
-14.8% QoQ
|
-13.74% |
22.39%
-1.3% YoY
|
23.21%
-2.4% YoY
|
21.79%
-1.3% YoY
|
Bottom 10% in tier |
| Nonperforming Asset Ratio ? |
0.41%
+7.9% YoY
+329.6% QoQ
|
-0.05% |
0.45%
+25.1% YoY
|
0.71%
+9.7% YoY
|
0.48%
+20.8% YoY
|
43% |
| Tier 1 Capital Ratio ? |
12.48%
+2.7% YoY
+5.7% QoQ
|
+3.63% |
8.85%
-3.4% YoY
|
7.74%
-5.6% YoY
|
9.75%
-1.9% YoY
|
61% |
| Non-Interest Income / Assets ? |
0.24%
+39.2% YoY
+46.0% QoQ
|
-0.32% |
0.56%
+0.3% YoY
|
0.68%
-3.1% YoY
|
0.65%
+0.6% YoY
|
29% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Return on Assets
metric
Bottom 2%
in Micro
Why this stands out
Current:
-1.20%
(Tier avg: 1.08%, National avg: 1.12%)
Non-Interest-Bearing Deposit Share
metric
Bottom 10%
in Micro
Why this stands out
Current:
8.66%
(Tier avg: 22.39%, National avg: 21.79%)
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
61
61th pctile
Tier 1 Capital Ratio
Current: 12.48% · Tier avg: 8.85%
57
57th pctile
Total Loans
Current: $141.7M · Tier avg: $139.2M
54
54th pctile
Total Deposits
Current: $178.0M · Tier avg: $183.7M
51
51th pctile
Total Assets
Current: $196.3M · Tier avg: $217.5M
48
48th pctile
Delinquency Rate
Current: 0.45% · Tier avg: 0.64%
44
44th pctile
Net Interest Margin
Current: 3.68% · Tier avg: 3.85%
43
43th pctile
Loan-to-Deposit Ratio
Current: 79.58% · Tier avg: 74.53%
43
43th pctile
Nonperforming Asset Ratio
Current: 0.41% · Tier avg: 0.45%
30
30th pctile
Efficiency Ratio
Current: 74.10% · Tier avg: 67.73%
29
29th pctile
Non-Interest Income / Assets
Current: 0.24% · Tier avg: 0.56%
10
10th pctile
Non-Interest-Bearing Deposit Share
Current: 8.66% · Tier avg: 22.39%
2
2th pctile
Return on Assets
Current: -1.20% · Tier avg: 1.08%
Top Weaknesses
2
2th pctile
Return on Assets
Current: -1.20% · Tier avg: 1.08%
10
10th pctile
Non-Interest-Bearing Deposit Share
Current: 8.66% · Tier avg: 22.39%
29
29th pctile
Non-Interest Income / Assets
Current: 0.24% · Tier avg: 0.56%
30
30th pctile
Efficiency Ratio
Current: 74.10% · Tier avg: 67.73%
43
43th pctile
Nonperforming Asset Ratio
Current: 0.41% · Tier avg: 0.45%
43
43th pctile
Loan-to-Deposit Ratio
Current: 79.58% · Tier avg: 74.53%
44
44th pctile
Net Interest Margin
Current: 3.68% · Tier avg: 3.85%
48
48th pctile
Delinquency Rate
Current: 0.45% · Tier avg: 0.64%
51
51th pctile
Total Assets
Current: $196.3M · Tier avg: $217.5M
54
54th pctile
Total Deposits
Current: $178.0M · Tier avg: $183.7M
57
57th pctile
Total Loans
Current: $141.7M · Tier avg: $139.2M
61
61th pctile
Tier 1 Capital Ratio
Current: 12.48% · Tier avg: 8.85%