BlastPoint's Banking Scorecard
Bank of Vici
Micro
Specialty: Commercial
OK
FDIC cert 420
Designations: ✓ Community bank
Vici, OK
2498
banks in Micro tier nationally
121 in OK
View Micro leaderboard (OK) →
Bank of Vici has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest Income / Assets 0.33% above tier
Key Concerns
Areas that may need attention
- - Return on Assets 6.61% below tier
- - Efficiency Ratio 102.29% above tier
- - Delinquency Rate 2.58% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$29.1M
-16.7% YoY
-4.8% QoQ
|
-$188.4M |
$217.5M
+2.3% YoY
|
$1.2B
+6.0% YoY
|
$5.9B
+6.5% YoY
|
Bottom 3% in tier |
| Total Loans ? |
$14.3M
-21.3% YoY
-6.6% QoQ
|
-$124.9M |
$139.2M
+2.8% YoY
|
$796.2M
+5.4% YoY
|
$3.1B
+8.5% YoY
|
Bottom 5% in tier |
| Total Deposits ? |
$27.1M
-14.6% YoY
-6.0% QoQ
|
-$156.5M |
$183.7M
+1.8% YoY
|
$938.6M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
Bottom 4% in tier |
| Return on Assets ? |
-5.53%
-193.6% YoY
+18.9% QoQ
|
-6.61% |
1.08%
+14.7% YoY
|
1.36%
+10.0% YoY
|
1.12%
+15.6% YoY
|
Bottom 1% in tier |
| Net Interest Margin ? |
4.20%
-13.6% YoY
+14.5% QoQ
|
+0.34% |
3.85%
+6.6% YoY
|
4.26%
+3.2% YoY
|
3.75%
+7.1% YoY
|
68% |
| Efficiency Ratio ? |
170.01%
+58.4% YoY
-17.1% QoQ
|
+102.29% |
67.73%
-4.8% YoY
|
63.62%
-4.9% YoY
|
65.09%
-5.1% YoY
|
Bottom 1% in tier |
| Delinquency Rate ? |
3.22%
-61.5% YoY
-37.3% QoQ
|
+2.58% |
0.64%
+24.4% YoY
|
0.95%
+12.2% YoY
|
0.66%
+20.3% YoY
|
Bottom 6% in tier |
| Loan-to-Deposit Ratio ? |
52.56%
-7.8% YoY
-0.7% QoQ
|
-21.96% |
74.53%
+0.5% YoY
|
75.78%
+1.6% YoY
|
78.04%
+0.7% YoY
|
85% |
| Non-Interest-Bearing Deposit Share ? |
28.62%
+6.1% YoY
-2.3% QoQ
|
+6.23% |
22.39%
-1.3% YoY
|
23.21%
-2.4% YoY
|
21.79%
-1.3% YoY
|
75% |
| Nonperforming Asset Ratio ? |
1.58%
-63.6% YoY
-38.5% QoQ
|
+1.12% |
0.45%
+25.1% YoY
|
0.71%
+9.7% YoY
|
0.48%
+20.8% YoY
|
Bottom 11% 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 ? |
0.89%
-13.6% YoY
+43.8% QoQ
|
+0.33% |
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:
0.89%
(Tier avg: 0.56%, National avg: 0.65%)
Concerns (3)
Return on Assets
metric
Bottom 1%
in Micro
Why this stands out
Current:
-5.53%
(Tier avg: 1.08%, National avg: 1.12%)
Efficiency Ratio
metric
Bottom 1%
in Micro
Why this stands out
Current:
170.01%
(Tier avg: 67.73%, National avg: 65.09%)
Delinquency Rate
metric
Bottom 6%
in Micro
Why this stands out
Current:
3.22%
(Tier avg: 0.64%, National avg: 0.66%)
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: 0.89% · Tier avg: 0.56%
85
85th pctile
Loan-to-Deposit Ratio
Current: 52.56% · Tier avg: 74.53%
75
75th pctile
Non-Interest-Bearing Deposit Share
Current: 28.62% · Tier avg: 22.39%
68
68th pctile
Net Interest Margin
Current: 4.20% · Tier avg: 3.85%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
11
11th pctile
Nonperforming Asset Ratio
Current: 1.58% · Tier avg: 0.45%
6
6th pctile
Delinquency Rate
Current: 3.22% · Tier avg: 0.64%
5
5th pctile
Total Loans
Current: $14.3M · Tier avg: $139.2M
4
4th pctile
Total Deposits
Current: $27.1M · Tier avg: $183.7M
3
3th pctile
Total Assets
Current: $29.1M · Tier avg: $217.5M
0
0th pctile
Return on Assets
Current: -5.53% · Tier avg: 1.08%
0
0th pctile
Efficiency Ratio
Current: 170.01% · Tier avg: 67.73%
Top Weaknesses
0
0th pctile
Efficiency Ratio
Current: 170.01% · Tier avg: 67.73%
0
0th pctile
Return on Assets
Current: -5.53% · Tier avg: 1.08%
3
3th pctile
Total Assets
Current: $29.1M · Tier avg: $217.5M
4
4th pctile
Total Deposits
Current: $27.1M · Tier avg: $183.7M
5
5th pctile
Total Loans
Current: $14.3M · Tier avg: $139.2M
6
6th pctile
Delinquency Rate
Current: 3.22% · Tier avg: 0.64%
11
11th pctile
Nonperforming Asset Ratio
Current: 1.58% · Tier avg: 0.45%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
68
68th pctile
Net Interest Margin
Current: 4.20% · Tier avg: 3.85%
75
75th pctile
Non-Interest-Bearing Deposit Share
Current: 28.62% · Tier avg: 22.39%
85
85th pctile
Loan-to-Deposit Ratio
Current: 52.56% · Tier avg: 74.53%
90
90th pctile
Non-Interest Income / Assets
Current: 0.89% · Tier avg: 0.56%