BlastPoint's Banking Scorecard
The State Bank of Wynnewood
Micro
Specialty: Agricultural
OK
FDIC cert 4232
Designations: ✓ Community bank
Wynnewood, OK
2498
banks in Micro tier nationally
121 in OK
View Micro leaderboard (OK) →
The State Bank of Wynnewood demonstrates 1 strength
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below 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 ? |
$101.3M
-9.1% YoY
-8.2% QoQ
|
-$116.2M |
$217.5M
+2.3% YoY
|
$1.2B
+6.0% YoY
|
$5.9B
+6.5% YoY
|
23% |
| Total Loans ? |
$48.8M
-1.6% YoY
-0.4% QoQ
|
-$90.4M |
$139.2M
+2.8% YoY
|
$796.2M
+5.4% YoY
|
$3.1B
+8.5% YoY
|
19% |
| Total Deposits ? |
$86.5M
-12.0% YoY
-9.4% QoQ
|
-$97.1M |
$183.7M
+1.8% YoY
|
$938.6M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
24% |
| Return on Assets ? |
1.01%
+38.4% YoY
+1.2% QoQ
|
-0.08% |
1.08%
+14.7% YoY
|
1.36%
+10.0% YoY
|
1.12%
+15.6% YoY
|
46% |
| Net Interest Margin ? |
3.09%
+20.0% YoY
+2.7% QoQ
|
-0.76% |
3.85%
+6.6% YoY
|
4.26%
+3.2% YoY
|
3.75%
+7.1% YoY
|
19% |
| Efficiency Ratio ? |
68.12%
-7.1% YoY
-0.0% QoQ
|
+0.39% |
67.73%
-4.8% YoY
|
63.62%
-4.9% YoY
|
65.09%
-5.1% YoY
|
45% |
| Delinquency Rate ? | 0.00% | -0.64% |
0.64%
+24.4% YoY
|
0.95%
+12.2% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
56.34%
+11.8% YoY
+10.0% QoQ
|
-18.18% |
74.53%
+0.5% YoY
|
75.78%
+1.6% YoY
|
78.04%
+0.7% YoY
|
19% |
| Non-Interest-Bearing Deposit Share ? |
20.39%
+5.1% YoY
-3.6% QoQ
|
-2.00% |
22.39%
-1.3% YoY
|
23.21%
-2.4% YoY
|
21.79%
-1.3% YoY
|
44% |
| Nonperforming Asset Ratio ? |
0.11%
+10.0% YoY
+8.9% QoQ
|
-0.35% |
0.45%
+25.1% YoY
|
0.71%
+9.7% YoY
|
0.48%
+20.8% YoY
|
67% |
| 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 ? |
0.26%
-2.2% YoY
+37.5% QoQ
|
-0.30% |
0.56%
+0.3% YoY
|
0.68%
-3.1% YoY
|
0.65%
+0.6% YoY
|
34% |
Signature Analysis
Strengths (1)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
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
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
67
67th pctile
Nonperforming Asset Ratio
Current: 0.11% · Tier avg: 0.45%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
46
46th pctile
Return on Assets
Current: 1.01% · Tier avg: 1.08%
45
45th pctile
Efficiency Ratio
Current: 68.12% · Tier avg: 67.73%
44
44th pctile
Non-Interest-Bearing Deposit Share
Current: 20.39% · Tier avg: 22.39%
34
34th pctile
Non-Interest Income / Assets
Current: 0.26% · Tier avg: 0.56%
24
24th pctile
Total Deposits
Current: $86.5M · Tier avg: $183.7M
23
23th pctile
Total Assets
Current: $101.3M · Tier avg: $217.5M
19
19th pctile
Loan-to-Deposit Ratio
Current: 56.34% · Tier avg: 74.53%
19
19th pctile
Total Loans
Current: $48.8M · Tier avg: $139.2M
19
19th pctile
Net Interest Margin
Current: 3.09% · Tier avg: 3.85%
Top Weaknesses
19
19th pctile
Net Interest Margin
Current: 3.09% · Tier avg: 3.85%
19
19th pctile
Total Loans
Current: $48.8M · Tier avg: $139.2M
19
19th pctile
Loan-to-Deposit Ratio
Current: 56.34% · Tier avg: 74.53%
23
23th pctile
Total Assets
Current: $101.3M · Tier avg: $217.5M
24
24th pctile
Total Deposits
Current: $86.5M · Tier avg: $183.7M
34
34th pctile
Non-Interest Income / Assets
Current: 0.26% · Tier avg: 0.56%
44
44th pctile
Non-Interest-Bearing Deposit Share
Current: 20.39% · Tier avg: 22.39%
45
45th pctile
Efficiency Ratio
Current: 68.12% · Tier avg: 67.73%
46
46th pctile
Return on Assets
Current: 1.01% · Tier avg: 1.08%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
67
67th pctile
Nonperforming Asset Ratio
Current: 0.11% · Tier avg: 0.45%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%