BlastPoint's Banking Scorecard
Great Nations Bank
Micro
Specialty: Commercial
OK
FDIC cert 58680
Designations: ✓ Community bank
Norman, OK
2498
banks in Micro tier nationally
121 in OK
View Micro leaderboard (OK) →
Great Nations Bank has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
Key Concerns
Areas that may need attention
- - Non-Interest-Bearing Deposit Share 14.12% below tier
- - Non-Interest Income / Assets 0.45% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$114.4M
+5.3% YoY
-3.2% QoQ
|
-$103.1M |
$217.5M
+2.3% YoY
|
$1.2B
+6.0% YoY
|
$5.9B
+6.5% YoY
|
27% |
| Total Loans ? |
$86.9M
-4.4% YoY
-1.1% QoQ
|
-$52.3M |
$139.2M
+2.8% YoY
|
$796.2M
+5.4% YoY
|
$3.1B
+8.5% YoY
|
37% |
| Total Deposits ? |
$101.3M
+4.5% YoY
-3.7% QoQ
|
-$82.4M |
$183.7M
+1.8% YoY
|
$938.6M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
29% |
| Return on Assets ? |
0.94%
+998.6% YoY
+0.3% QoQ
|
-0.14% |
1.08%
+14.7% YoY
|
1.36%
+10.0% YoY
|
1.12%
+15.6% YoY
|
42% |
| Net Interest Margin ? |
3.82%
+2.0% YoY
+1.0% QoQ
|
-0.04% |
3.85%
+6.6% YoY
|
4.26%
+3.2% YoY
|
3.75%
+7.1% YoY
|
51% |
| Efficiency Ratio ? |
71.92%
-10.8% YoY
+0.4% QoQ
|
+4.19% |
67.73%
-4.8% YoY
|
63.62%
-4.9% YoY
|
65.09%
-5.1% YoY
|
35% |
| 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 ? |
85.78%
-8.5% YoY
+2.7% QoQ
|
+11.25% |
74.53%
+0.5% YoY
|
75.78%
+1.6% YoY
|
78.04%
+0.7% YoY
|
69% |
| Non-Interest-Bearing Deposit Share ? |
8.27%
+0.0% YoY
+15.6% QoQ
|
-14.12% |
22.39%
-1.3% YoY
|
23.21%
-2.4% YoY
|
21.79%
-1.3% YoY
|
Bottom 9% in tier |
| Nonperforming Asset Ratio ? | 0.09% | -0.36% |
0.45%
+25.1% YoY
|
0.71%
+9.7% YoY
|
0.48%
+20.8% YoY
|
69% |
| Tier 1 Capital Ratio ? |
14.58%
+19.3% YoY
+5.7% QoQ
|
+5.72% |
8.85%
-3.4% YoY
|
7.74%
-5.6% YoY
|
9.75%
-1.9% YoY
|
71% |
| Non-Interest Income / Assets ? |
0.11%
+12.4% YoY
+33.2% QoQ
|
-0.45% |
0.56%
+0.3% YoY
|
0.68%
-3.1% YoY
|
0.65%
+0.6% YoY
|
Bottom 10% in tier |
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 (2)
Non-Interest-Bearing Deposit Share
metric
Bottom 9%
in Micro
Why this stands out
Current:
8.27%
(Tier avg: 22.39%, National avg: 21.79%)
Non-Interest Income / Assets
metric
Bottom 10%
in Micro
Why this stands out
Current:
0.11%
(Tier avg: 0.56%, National avg: 0.65%)
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%
71
71th pctile
Tier 1 Capital Ratio
Current: 14.58% · Tier avg: 8.85%
69
69th pctile
Nonperforming Asset Ratio
Current: 0.09% · Tier avg: 0.45%
69
69th pctile
Loan-to-Deposit Ratio
Current: 85.78% · Tier avg: 74.53%
51
51th pctile
Net Interest Margin
Current: 3.82% · Tier avg: 3.85%
42
42th pctile
Return on Assets
Current: 0.94% · Tier avg: 1.08%
37
37th pctile
Total Loans
Current: $86.9M · Tier avg: $139.2M
35
35th pctile
Efficiency Ratio
Current: 71.92% · Tier avg: 67.73%
29
29th pctile
Total Deposits
Current: $101.3M · Tier avg: $183.7M
27
27th pctile
Total Assets
Current: $114.4M · Tier avg: $217.5M
10
10th pctile
Non-Interest Income / Assets
Current: 0.11% · Tier avg: 0.56%
9
9th pctile
Non-Interest-Bearing Deposit Share
Current: 8.27% · Tier avg: 22.39%
Top Weaknesses
9
9th pctile
Non-Interest-Bearing Deposit Share
Current: 8.27% · Tier avg: 22.39%
10
10th pctile
Non-Interest Income / Assets
Current: 0.11% · Tier avg: 0.56%
27
27th pctile
Total Assets
Current: $114.4M · Tier avg: $217.5M
29
29th pctile
Total Deposits
Current: $101.3M · Tier avg: $183.7M
35
35th pctile
Efficiency Ratio
Current: 71.92% · Tier avg: 67.73%
37
37th pctile
Total Loans
Current: $86.9M · Tier avg: $139.2M
42
42th pctile
Return on Assets
Current: 0.94% · Tier avg: 1.08%
51
51th pctile
Net Interest Margin
Current: 3.82% · Tier avg: 3.85%
69
69th pctile
Loan-to-Deposit Ratio
Current: 85.78% · Tier avg: 74.53%
69
69th pctile
Nonperforming Asset Ratio
Current: 0.09% · Tier avg: 0.45%
71
71th pctile
Tier 1 Capital Ratio
Current: 14.58% · Tier avg: 8.85%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%