BlastPoint's Banking Scorecard
YNB
Micro
Specialty: Commercial
OK
FDIC cert 4235
Designations: ✓ Community bank
Yukon, OK
2498
banks in Micro tier nationally
121 in OK
View Micro leaderboard (OK) →
YNB faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Efficiency Ratio 21.66% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$248.9M
+9.9% YoY
+3.2% QoQ
|
+$31.4M |
$217.5M
+2.3% YoY
|
$1.2B
+6.0% YoY
|
$5.9B
+6.5% YoY
|
62% |
| Total Loans ? |
$125.2M
-1.7% YoY
+3.2% QoQ
|
-$13.9M |
$139.2M
+2.8% YoY
|
$796.2M
+5.4% YoY
|
$3.1B
+8.5% YoY
|
52% |
| Total Deposits ? |
$227.2M
+13.5% YoY
+3.2% QoQ
|
+$43.5M |
$183.7M
+1.8% YoY
|
$938.6M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
66% |
| Return on Assets ? |
0.42%
-41.0% YoY
-3.1% QoQ
|
-0.67% |
1.08%
+14.7% YoY
|
1.36%
+10.0% YoY
|
1.12%
+15.6% YoY
|
16% |
| Net Interest Margin ? |
3.64%
-7.4% YoY
-0.2% QoQ
|
-0.21% |
3.85%
+6.6% YoY
|
4.26%
+3.2% YoY
|
3.75%
+7.1% YoY
|
41% |
| Efficiency Ratio ? |
89.38%
+9.4% YoY
+0.7% QoQ
|
+21.66% |
67.73%
-4.8% YoY
|
63.62%
-4.9% YoY
|
65.09%
-5.1% YoY
|
Bottom 10% in tier |
| Delinquency Rate ? |
1.13%
+203.2% YoY
+801.2% QoQ
|
+0.49% |
0.64%
+24.4% YoY
|
0.95%
+12.2% YoY
|
0.66%
+20.3% YoY
|
26% |
| Loan-to-Deposit Ratio ? |
55.12%
-13.4% YoY
-0.1% QoQ
|
-19.41% |
74.53%
+0.5% YoY
|
75.78%
+1.6% YoY
|
78.04%
+0.7% YoY
|
82% |
| Non-Interest-Bearing Deposit Share ? |
29.54%
-7.6% YoY
-4.6% QoQ
|
+7.15% |
22.39%
-1.3% YoY
|
23.21%
-2.4% YoY
|
21.79%
-1.3% YoY
|
78% |
| Nonperforming Asset Ratio ? |
0.58%
+177.3% YoY
+821.2% QoQ
|
+0.13% |
0.45%
+25.1% YoY
|
0.71%
+9.7% YoY
|
0.48%
+20.8% YoY
|
33% |
| Tier 1 Capital Ratio ? |
13.49%
-5.5% YoY
-2.0% QoQ
|
+4.64% |
8.85%
-3.4% YoY
|
7.74%
-5.6% YoY
|
9.75%
-1.9% YoY
|
66% |
| Non-Interest Income / Assets ? |
0.47%
-9.8% YoY
+31.1% QoQ
|
-0.09% |
0.56%
+0.3% YoY
|
0.68%
-3.1% YoY
|
0.65%
+0.6% YoY
|
66% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Efficiency Ratio
metric
Bottom 10%
in Micro
Why this stands out
Current:
89.38%
(Tier avg: 67.73%, National avg: 65.09%)
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
82
82th pctile
Loan-to-Deposit Ratio
Current: 55.12% · Tier avg: 74.53%
78
78th pctile
Non-Interest-Bearing Deposit Share
Current: 29.54% · Tier avg: 22.39%
66
66th pctile
Total Deposits
Current: $227.2M · Tier avg: $183.7M
66
66th pctile
Non-Interest Income / Assets
Current: 0.47% · Tier avg: 0.56%
66
66th pctile
Tier 1 Capital Ratio
Current: 13.49% · Tier avg: 8.85%
62
62th pctile
Total Assets
Current: $248.9M · Tier avg: $217.5M
52
52th pctile
Total Loans
Current: $125.2M · Tier avg: $139.2M
41
41th pctile
Net Interest Margin
Current: 3.64% · Tier avg: 3.85%
33
33th pctile
Nonperforming Asset Ratio
Current: 0.58% · Tier avg: 0.45%
26
26th pctile
Delinquency Rate
Current: 1.13% · Tier avg: 0.64%
16
16th pctile
Return on Assets
Current: 0.42% · Tier avg: 1.08%
10
10th pctile
Efficiency Ratio
Current: 89.38% · Tier avg: 67.73%
Top Weaknesses
10
10th pctile
Efficiency Ratio
Current: 89.38% · Tier avg: 67.73%
16
16th pctile
Return on Assets
Current: 0.42% · Tier avg: 1.08%
26
26th pctile
Delinquency Rate
Current: 1.13% · Tier avg: 0.64%
33
33th pctile
Nonperforming Asset Ratio
Current: 0.58% · Tier avg: 0.45%
41
41th pctile
Net Interest Margin
Current: 3.64% · Tier avg: 3.85%
52
52th pctile
Total Loans
Current: $125.2M · Tier avg: $139.2M
62
62th pctile
Total Assets
Current: $248.9M · Tier avg: $217.5M
66
66th pctile
Tier 1 Capital Ratio
Current: 13.49% · Tier avg: 8.85%
66
66th pctile
Non-Interest Income / Assets
Current: 0.47% · Tier avg: 0.56%
66
66th pctile
Total Deposits
Current: $227.2M · Tier avg: $183.7M
78
78th pctile
Non-Interest-Bearing Deposit Share
Current: 29.54% · Tier avg: 22.39%
82
82th pctile
Loan-to-Deposit Ratio
Current: 55.12% · Tier avg: 74.53%