BlastPoint's Banking Scorecard
SNB Bank, National Association
Micro
Specialty: Agricultural
OK
FDIC cert 4196
Designations: ✓ Community bank
Shattuck, OK
2498
banks in Micro tier nationally
121 in OK
View Micro leaderboard (OK) →
SNB Bank, National Association has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest Income / Assets 4.00% above tier
Key Concerns
Areas that may need attention
- - Delinquency Rate 5.57% above tier
- - Nonperforming Asset Ratio 4.02% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$135.9M
-6.0% YoY
-0.1% QoQ
|
-$81.6M |
$217.5M
+2.3% YoY
|
$1.2B
+6.0% YoY
|
$5.9B
+6.5% YoY
|
33% |
| Total Loans ? |
$97.8M
-9.8% YoY
-4.8% QoQ
|
-$41.3M |
$139.2M
+2.8% YoY
|
$796.2M
+5.4% YoY
|
$3.1B
+8.5% YoY
|
43% |
| Total Deposits ? |
$115.7M
-10.4% YoY
-2.1% QoQ
|
-$68.0M |
$183.7M
+1.8% YoY
|
$938.6M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
34% |
| Return on Assets ? |
1.12%
+204.9% YoY
-39.9% QoQ
|
+0.04% |
1.08%
+14.7% YoY
|
1.36%
+10.0% YoY
|
1.12%
+15.6% YoY
|
54% |
| Net Interest Margin ? |
3.71%
-8.0% YoY
-1.9% QoQ
|
-0.14% |
3.85%
+6.6% YoY
|
4.26%
+3.2% YoY
|
3.75%
+7.1% YoY
|
45% |
| Efficiency Ratio ? |
67.20%
-42.0% YoY
+4.2% QoQ
|
-0.52% |
67.73%
-4.8% YoY
|
63.62%
-4.9% YoY
|
65.09%
-5.1% YoY
|
47% |
| Delinquency Rate ? |
6.21%
+294.5% YoY
+78.4% QoQ
|
+5.57% |
0.64%
+24.4% YoY
|
0.95%
+12.2% YoY
|
0.66%
+20.3% YoY
|
Bottom 1% in tier |
| Loan-to-Deposit Ratio ? |
84.56%
+0.7% YoY
-2.8% QoQ
|
+10.03% |
74.53%
+0.5% YoY
|
75.78%
+1.6% YoY
|
78.04%
+0.7% YoY
|
33% |
| Non-Interest-Bearing Deposit Share ? |
11.91%
+33.5% YoY
+12.5% QoQ
|
-10.48% |
22.39%
-1.3% YoY
|
23.21%
-2.4% YoY
|
21.79%
-1.3% YoY
|
15% |
| Nonperforming Asset Ratio ? |
4.47%
+278.6% YoY
+70.0% QoQ
|
+4.02% |
0.45%
+25.1% YoY
|
0.71%
+9.7% YoY
|
0.48%
+20.8% YoY
|
Bottom 1% in tier |
| 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 ? |
4.56%
+507.1% YoY
+19.1% QoQ
|
+4.00% |
0.56%
+0.3% YoY
|
0.68%
-3.1% YoY
|
0.65%
+0.6% YoY
|
Top 1% in tier |
Signature Analysis
Strengths (1)
Non-Interest Income / Assets
metric
Top 1%
in Micro
Why this stands out
Current:
4.56%
(Tier avg: 0.56%, National avg: 0.65%)
Concerns (2)
Delinquency Rate
metric
Bottom 1%
in Micro
Why this stands out
Current:
6.21%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 1%
in Micro
Why this stands out
Current:
4.47%
(Tier avg: 0.45%, National avg: 0.48%)
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
Non-Interest Income / Assets
Current: 4.56% · Tier avg: 0.56%
54
54th pctile
Return on Assets
Current: 1.12% · Tier avg: 1.08%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
47
47th pctile
Efficiency Ratio
Current: 67.20% · Tier avg: 67.73%
45
45th pctile
Net Interest Margin
Current: 3.71% · Tier avg: 3.85%
43
43th pctile
Total Loans
Current: $97.8M · Tier avg: $139.2M
34
34th pctile
Total Deposits
Current: $115.7M · Tier avg: $183.7M
33
33th pctile
Total Assets
Current: $135.9M · Tier avg: $217.5M
33
33th pctile
Loan-to-Deposit Ratio
Current: 84.56% · Tier avg: 74.53%
15
15th pctile
Non-Interest-Bearing Deposit Share
Current: 11.91% · Tier avg: 22.39%
0
0th pctile
Delinquency Rate
Current: 6.21% · Tier avg: 0.64%
0
0th pctile
Nonperforming Asset Ratio
Current: 4.47% · Tier avg: 0.45%
Top Weaknesses
0
0th pctile
Nonperforming Asset Ratio
Current: 4.47% · Tier avg: 0.45%
0
0th pctile
Delinquency Rate
Current: 6.21% · Tier avg: 0.64%
15
15th pctile
Non-Interest-Bearing Deposit Share
Current: 11.91% · Tier avg: 22.39%
33
33th pctile
Loan-to-Deposit Ratio
Current: 84.56% · Tier avg: 74.53%
33
33th pctile
Total Assets
Current: $135.9M · Tier avg: $217.5M
34
34th pctile
Total Deposits
Current: $115.7M · Tier avg: $183.7M
43
43th pctile
Total Loans
Current: $97.8M · Tier avg: $139.2M
45
45th pctile
Net Interest Margin
Current: 3.71% · Tier avg: 3.85%
47
47th pctile
Efficiency Ratio
Current: 67.20% · Tier avg: 67.73%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
54
54th pctile
Return on Assets
Current: 1.12% · Tier avg: 1.08%
99
99th pctile
Non-Interest Income / Assets
Current: 4.56% · Tier avg: 0.56%