BlastPoint's Banking Scorecard
Bank of Commerce
Micro
Specialty: Commercial
OK
FDIC cert 57491
Designations: ✓ Community bank
Duncan, OK
2498
banks in Micro tier nationally
121 in OK
View Micro leaderboard (OK) →
Bank of Commerce demonstrates 1 strength
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest Income / Assets 4.28% above 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 ? |
$351.9M
-4.8% YoY
-1.5% QoQ
|
+$134.4M |
$217.5M
+2.3% YoY
|
$1.2B
+6.0% YoY
|
$5.9B
+6.5% YoY
|
81% |
| Total Loans ? |
$241.6M
-12.2% YoY
-4.8% QoQ
|
+$102.5M |
$139.2M
+2.8% YoY
|
$796.2M
+5.4% YoY
|
$3.1B
+8.5% YoY
|
83% |
| Total Deposits ? |
$305.7M
-3.9% YoY
-0.7% QoQ
|
+$122.1M |
$183.7M
+1.8% YoY
|
$938.6M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
82% |
| Return on Assets ? |
0.53%
-40.2% YoY
-27.5% QoQ
|
-0.55% |
1.08%
+14.7% YoY
|
1.36%
+10.0% YoY
|
1.12%
+15.6% YoY
|
20% |
| Net Interest Margin ? |
3.84%
+10.9% YoY
+11.2% QoQ
|
-0.01% |
3.85%
+6.6% YoY
|
4.26%
+3.2% YoY
|
3.75%
+7.1% YoY
|
52% |
| Efficiency Ratio ? |
83.19%
-0.9% YoY
-3.1% QoQ
|
+15.46% |
67.73%
-4.8% YoY
|
63.62%
-4.9% YoY
|
65.09%
-5.1% YoY
|
16% |
| Delinquency Rate ? |
1.74%
-31.2% YoY
-37.9% QoQ
|
+1.10% |
0.64%
+24.4% YoY
|
0.95%
+12.2% YoY
|
0.66%
+20.3% YoY
|
16% |
| Loan-to-Deposit Ratio ? |
79.04%
-8.6% YoY
-4.2% QoQ
|
+4.51% |
74.53%
+0.5% YoY
|
75.78%
+1.6% YoY
|
78.04%
+0.7% YoY
|
45% |
| Non-Interest-Bearing Deposit Share ? |
10.42%
-11.2% YoY
-10.5% QoQ
|
-11.97% |
22.39%
-1.3% YoY
|
23.21%
-2.4% YoY
|
21.79%
-1.3% YoY
|
Bottom 13% in tier |
| Nonperforming Asset Ratio ? |
1.51%
-30.6% YoY
-33.5% QoQ
|
+1.06% |
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 ? |
4.84%
+69.7% YoY
+27.9% QoQ
|
+4.28% |
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:
4.84%
(Tier avg: 0.56%, National avg: 0.65%)
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
99
99th pctile
Non-Interest Income / Assets
Current: 4.84% · Tier avg: 0.56%
83
83th pctile
Total Loans
Current: $241.6M · Tier avg: $139.2M
82
82th pctile
Total Deposits
Current: $305.7M · Tier avg: $183.7M
81
81th pctile
Total Assets
Current: $351.9M · Tier avg: $217.5M
52
52th pctile
Net Interest Margin
Current: 3.84% · Tier avg: 3.85%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
45
45th pctile
Loan-to-Deposit Ratio
Current: 79.04% · Tier avg: 74.53%
20
20th pctile
Return on Assets
Current: 0.53% · Tier avg: 1.08%
16
16th pctile
Delinquency Rate
Current: 1.74% · Tier avg: 0.64%
16
16th pctile
Efficiency Ratio
Current: 83.19% · Tier avg: 67.73%
13
13th pctile
Non-Interest-Bearing Deposit Share
Current: 10.42% · Tier avg: 22.39%
11
11th pctile
Nonperforming Asset Ratio
Current: 1.51% · Tier avg: 0.45%
Top Weaknesses
11
11th pctile
Nonperforming Asset Ratio
Current: 1.51% · Tier avg: 0.45%
13
13th pctile
Non-Interest-Bearing Deposit Share
Current: 10.42% · Tier avg: 22.39%
16
16th pctile
Efficiency Ratio
Current: 83.19% · Tier avg: 67.73%
16
16th pctile
Delinquency Rate
Current: 1.74% · Tier avg: 0.64%
20
20th pctile
Return on Assets
Current: 0.53% · Tier avg: 1.08%
45
45th pctile
Loan-to-Deposit Ratio
Current: 79.04% · Tier avg: 74.53%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
52
52th pctile
Net Interest Margin
Current: 3.84% · Tier avg: 3.85%
81
81th pctile
Total Assets
Current: $351.9M · Tier avg: $217.5M
82
82th pctile
Total Deposits
Current: $305.7M · Tier avg: $183.7M
83
83th pctile
Total Loans
Current: $241.6M · Tier avg: $139.2M
99
99th pctile
Non-Interest Income / Assets
Current: 4.84% · Tier avg: 0.56%