BlastPoint's Banking Scorecard
COMMUNITY BANK OF OKLAHOMA
Micro
Specialty: Commercial
OK
FDIC cert 4217
Designations: ✓ Community bank
Verden, OK
2498
banks in Micro tier nationally
121 in OK
View Micro leaderboard (OK) →
COMMUNITY BANK OF OKLAHOMA has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 36.12% above tier
Key Concerns
Areas that may need attention
- - Delinquency Rate 2.49% above tier
- - Nonperforming Asset Ratio 1.55% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$60.9M
-4.8% YoY
-8.3% QoQ
|
-$156.6M |
$217.5M
+2.3% YoY
|
$1.2B
+6.0% YoY
|
$5.9B
+6.5% YoY
|
Bottom 10% in tier |
| Total Loans ? |
$38.9M
+1.4% YoY
+0.9% QoQ
|
-$100.3M |
$139.2M
+2.8% YoY
|
$796.2M
+5.4% YoY
|
$3.1B
+8.5% YoY
|
Bottom 15% in tier |
| Total Deposits ? |
$52.7M
-6.8% YoY
-9.8% QoQ
|
-$130.9M |
$183.7M
+1.8% YoY
|
$938.6M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
Bottom 11% in tier |
| Return on Assets ? |
1.26%
-13.6% YoY
-13.8% QoQ
|
+0.18% |
1.08%
+14.7% YoY
|
1.36%
+10.0% YoY
|
1.12%
+15.6% YoY
|
63% |
| Net Interest Margin ? |
4.14%
+4.2% YoY
+4.0% QoQ
|
+0.29% |
3.85%
+6.6% YoY
|
4.26%
+3.2% YoY
|
3.75%
+7.1% YoY
|
65% |
| Efficiency Ratio ? |
69.12%
+12.1% YoY
+4.3% QoQ
|
+1.39% |
67.73%
-4.8% YoY
|
63.62%
-4.9% YoY
|
65.09%
-5.1% YoY
|
42% |
| Delinquency Rate ? |
3.13%
+155.8% YoY
-23.0% QoQ
|
+2.49% |
0.64%
+24.4% YoY
|
0.95%
+12.2% YoY
|
0.66%
+20.3% YoY
|
Bottom 6% in tier |
| Loan-to-Deposit Ratio ? |
73.82%
+8.8% YoY
+11.8% QoQ
|
-0.71% |
74.53%
+0.5% YoY
|
75.78%
+1.6% YoY
|
78.04%
+0.7% YoY
|
55% |
| Non-Interest-Bearing Deposit Share ? |
58.51%
+10.3% YoY
+24.6% QoQ
|
+36.12% |
22.39%
-1.3% YoY
|
23.21%
-2.4% YoY
|
21.79%
-1.3% YoY
|
Top 1% in tier |
| Nonperforming Asset Ratio ? |
2.00%
+172.4% YoY
-15.2% QoQ
|
+1.55% |
0.45%
+25.1% YoY
|
0.71%
+9.7% YoY
|
0.48%
+20.8% YoY
|
Bottom 7% in tier |
| Tier 1 Capital Ratio ? |
0.00%
-100.0% YoY
|
-8.85% |
8.85%
-3.4% YoY
|
7.74%
-5.6% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.81%
+15.6% YoY
+58.4% QoQ
|
+0.24% |
0.56%
+0.3% YoY
|
0.68%
-3.1% YoY
|
0.65%
+0.6% YoY
|
Top 13% in tier |
Signature Analysis
Strengths (1)
Non-Interest-Bearing Deposit Share
metric
Top 1%
in Micro
Why this stands out
Current:
58.51%
(Tier avg: 22.39%, National avg: 21.79%)
Concerns (2)
Delinquency Rate
metric
Bottom 6%
in Micro
Why this stands out
Current:
3.13%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 7%
in Micro
Why this stands out
Current:
2.00%
(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-Bearing Deposit Share
Current: 58.51% · Tier avg: 22.39%
87
87th pctile
Non-Interest Income / Assets
Current: 0.81% · Tier avg: 0.56%
65
65th pctile
Net Interest Margin
Current: 4.14% · Tier avg: 3.85%
63
63th pctile
Return on Assets
Current: 1.26% · Tier avg: 1.08%
55
55th pctile
Loan-to-Deposit Ratio
Current: 73.82% · Tier avg: 74.53%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
42
42th pctile
Efficiency Ratio
Current: 69.12% · Tier avg: 67.73%
15
15th pctile
Total Loans
Current: $38.9M · Tier avg: $139.2M
11
11th pctile
Total Deposits
Current: $52.7M · Tier avg: $183.7M
10
10th pctile
Total Assets
Current: $60.9M · Tier avg: $217.5M
7
7th pctile
Nonperforming Asset Ratio
Current: 2.00% · Tier avg: 0.45%
6
6th pctile
Delinquency Rate
Current: 3.13% · Tier avg: 0.64%
Top Weaknesses
6
6th pctile
Delinquency Rate
Current: 3.13% · Tier avg: 0.64%
7
7th pctile
Nonperforming Asset Ratio
Current: 2.00% · Tier avg: 0.45%
10
10th pctile
Total Assets
Current: $60.9M · Tier avg: $217.5M
11
11th pctile
Total Deposits
Current: $52.7M · Tier avg: $183.7M
15
15th pctile
Total Loans
Current: $38.9M · Tier avg: $139.2M
42
42th pctile
Efficiency Ratio
Current: 69.12% · Tier avg: 67.73%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
55
55th pctile
Loan-to-Deposit Ratio
Current: 73.82% · Tier avg: 74.53%
63
63th pctile
Return on Assets
Current: 1.26% · Tier avg: 1.08%
65
65th pctile
Net Interest Margin
Current: 4.14% · Tier avg: 3.85%
87
87th pctile
Non-Interest Income / Assets
Current: 0.81% · Tier avg: 0.56%
99
99th pctile
Non-Interest-Bearing Deposit Share
Current: 58.51% · Tier avg: 22.39%