BlastPoint's Banking Scorecard
Watermark Bank
Micro
Specialty: Commercial
OK
FDIC cert 59148
Designations: ✓ Community bank
Oklahoma City, OK
2498
banks in Micro tier nationally
121 in OK
View Micro leaderboard (OK) →
Watermark Bank shows strong momentum with 2 strengths and 12.5% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Nonperforming Asset Ratio 0.45% 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 ? |
$407.0M
+12.5% YoY
-2.2% QoQ
|
+$189.5M |
$217.5M
+2.3% YoY
|
$1.2B
+6.0% YoY
|
$5.9B
+6.5% YoY
|
Top 11% in tier |
| Total Loans ? |
$334.8M
+17.7% YoY
+3.7% QoQ
|
+$195.6M |
$139.2M
+2.8% YoY
|
$796.2M
+5.4% YoY
|
$3.1B
+8.5% YoY
|
Top 4% in tier |
| Total Deposits ? |
$347.0M
+12.7% YoY
-3.0% QoQ
|
+$163.3M |
$183.7M
+1.8% YoY
|
$938.6M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
Top 11% in tier |
| Return on Assets ? |
1.20%
+18.7% YoY
-0.3% QoQ
|
+0.12% |
1.08%
+14.7% YoY
|
1.36%
+10.0% YoY
|
1.12%
+15.6% YoY
|
59% |
| Net Interest Margin ? |
4.26%
+4.5% YoY
+0.9% QoQ
|
+0.41% |
3.85%
+6.6% YoY
|
4.26%
+3.2% YoY
|
3.75%
+7.1% YoY
|
71% |
| Efficiency Ratio ? |
58.68%
-5.9% YoY
-0.7% QoQ
|
-9.05% |
67.73%
-4.8% YoY
|
63.62%
-4.9% YoY
|
65.09%
-5.1% YoY
|
71% |
| 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 ? |
96.48%
+4.4% YoY
+7.0% QoQ
|
+21.95% |
74.53%
+0.5% YoY
|
75.78%
+1.6% YoY
|
78.04%
+0.7% YoY
|
Top 13% in tier |
| Non-Interest-Bearing Deposit Share ? |
16.83%
-0.2% YoY
-2.1% QoQ
|
-5.56% |
22.39%
-1.3% YoY
|
23.21%
-2.4% YoY
|
21.79%
-1.3% YoY
|
29% |
| Nonperforming Asset Ratio ? | 0.00% | -0.45% |
0.45%
+25.1% YoY
|
0.71%
+9.7% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? |
14.90%
-2.6% YoY
+0.2% QoQ
|
+6.04% |
8.85%
-3.4% YoY
|
7.74%
-5.6% YoY
|
9.75%
-1.9% YoY
|
72% |
| Non-Interest Income / Assets ? |
0.21%
+37.6% YoY
+30.1% QoQ
|
-0.36% |
0.56%
+0.3% YoY
|
0.68%
-3.1% YoY
|
0.65%
+0.6% YoY
|
25% |
Signature Analysis
Strengths (2)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
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%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
96
96th pctile
Total Loans
Current: $334.8M · Tier avg: $139.2M
89
89th pctile
Total Deposits
Current: $347.0M · Tier avg: $183.7M
89
89th pctile
Total Assets
Current: $407.0M · Tier avg: $217.5M
87
87th pctile
Loan-to-Deposit Ratio
Current: 96.48% · Tier avg: 74.53%
72
72th pctile
Tier 1 Capital Ratio
Current: 14.90% · Tier avg: 8.85%
71
71th pctile
Efficiency Ratio
Current: 58.68% · Tier avg: 67.73%
71
71th pctile
Net Interest Margin
Current: 4.26% · Tier avg: 3.85%
59
59th pctile
Return on Assets
Current: 1.20% · Tier avg: 1.08%
29
29th pctile
Non-Interest-Bearing Deposit Share
Current: 16.83% · Tier avg: 22.39%
25
25th pctile
Non-Interest Income / Assets
Current: 0.21% · Tier avg: 0.56%
Top Weaknesses
25
25th pctile
Non-Interest Income / Assets
Current: 0.21% · Tier avg: 0.56%
29
29th pctile
Non-Interest-Bearing Deposit Share
Current: 16.83% · Tier avg: 22.39%
59
59th pctile
Return on Assets
Current: 1.20% · Tier avg: 1.08%
71
71th pctile
Net Interest Margin
Current: 4.26% · Tier avg: 3.85%
71
71th pctile
Efficiency Ratio
Current: 58.68% · Tier avg: 67.73%
72
72th pctile
Tier 1 Capital Ratio
Current: 14.90% · Tier avg: 8.85%
87
87th pctile
Loan-to-Deposit Ratio
Current: 96.48% · Tier avg: 74.53%
89
89th pctile
Total Assets
Current: $407.0M · Tier avg: $217.5M
89
89th pctile
Total Deposits
Current: $347.0M · Tier avg: $183.7M
96
96th pctile
Total Loans
Current: $334.8M · Tier avg: $139.2M
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%