BlastPoint's Banking Scorecard
Community Bank
Micro
Specialty: Commercial
OK
FDIC cert 8975
Designations: ✓ Community bank
Bristow, OK
2498
banks in Micro tier nationally
121 in OK
View Micro leaderboard (OK) →
Community Bank demonstrates 3 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 1.41% above tier
- + Net Interest Margin 2.48% above tier
- + Non-Interest Income / Assets 0.45% 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 ? |
$111.4M
+3.0% YoY
+0.8% QoQ
|
-$106.1M |
$217.5M
+2.3% YoY
|
$1.2B
+6.0% YoY
|
$5.9B
+6.5% YoY
|
26% |
| Total Loans ? |
$92.6M
+6.8% YoY
+6.5% QoQ
|
-$46.6M |
$139.2M
+2.8% YoY
|
$796.2M
+5.4% YoY
|
$3.1B
+8.5% YoY
|
40% |
| Total Deposits ? |
$100.5M
+3.5% YoY
+3.0% QoQ
|
-$83.2M |
$183.7M
+1.8% YoY
|
$938.6M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
29% |
| Return on Assets ? |
2.50%
-5.3% YoY
-0.8% QoQ
|
+1.41% |
1.08%
+14.7% YoY
|
1.36%
+10.0% YoY
|
1.12%
+15.6% YoY
|
Top 4% in tier |
| Net Interest Margin ? |
6.34%
+1.4% YoY
-0.1% QoQ
|
+2.48% |
3.85%
+6.6% YoY
|
4.26%
+3.2% YoY
|
3.75%
+7.1% YoY
|
Top 1% in tier |
| Efficiency Ratio ? |
51.53%
+4.8% YoY
+0.4% QoQ
|
-16.19% |
67.73%
-4.8% YoY
|
63.62%
-4.9% YoY
|
65.09%
-5.1% YoY
|
Top 13% in tier |
| Delinquency Rate ? |
0.20%
-73.6% YoY
-4.5% QoQ
|
-0.44% |
0.64%
+24.4% YoY
|
0.95%
+12.2% YoY
|
0.66%
+20.3% YoY
|
62% |
| Loan-to-Deposit Ratio ? |
92.14%
+3.2% YoY
+3.4% QoQ
|
+17.61% |
74.53%
+0.5% YoY
|
75.78%
+1.6% YoY
|
78.04%
+0.7% YoY
|
19% |
| Non-Interest-Bearing Deposit Share ? |
23.97%
-10.3% YoY
-6.3% QoQ
|
+1.58% |
22.39%
-1.3% YoY
|
23.21%
-2.4% YoY
|
21.79%
-1.3% YoY
|
60% |
| Nonperforming Asset Ratio ? |
0.32%
-48.8% YoY
-16.9% QoQ
|
-0.14% |
0.45%
+25.1% YoY
|
0.71%
+9.7% YoY
|
0.48%
+20.8% YoY
|
48% |
| Tier 1 Capital Ratio ? |
13.37%
-5.6% YoY
-20.0% QoQ
|
+4.51% |
8.85%
-3.4% YoY
|
7.74%
-5.6% YoY
|
9.75%
-1.9% YoY
|
65% |
| Non-Interest Income / Assets ? |
1.01%
+4.4% YoY
+29.0% QoQ
|
+0.45% |
0.56%
+0.3% YoY
|
0.68%
-3.1% YoY
|
0.65%
+0.6% YoY
|
Top 8% in tier |
Signature Analysis
Strengths (3)
Return on Assets
metric
Top 4%
in Micro
Why this stands out
Current:
2.50%
(Tier avg: 1.08%, National avg: 1.12%)
Net Interest Margin
metric
Top 1%
in Micro
Why this stands out
Current:
6.34%
(Tier avg: 3.85%, National avg: 3.75%)
Non-Interest Income / Assets
metric
Top 8%
in Micro
Why this stands out
Current:
1.01%
(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
Net Interest Margin
Current: 6.34% · Tier avg: 3.85%
96
96th pctile
Return on Assets
Current: 2.50% · Tier avg: 1.08%
92
92th pctile
Non-Interest Income / Assets
Current: 1.01% · Tier avg: 0.56%
87
87th pctile
Efficiency Ratio
Current: 51.53% · Tier avg: 67.73%
65
65th pctile
Tier 1 Capital Ratio
Current: 13.37% · Tier avg: 8.85%
62
62th pctile
Delinquency Rate
Current: 0.20% · Tier avg: 0.64%
60
60th pctile
Non-Interest-Bearing Deposit Share
Current: 23.97% · Tier avg: 22.39%
48
48th pctile
Nonperforming Asset Ratio
Current: 0.32% · Tier avg: 0.45%
40
40th pctile
Total Loans
Current: $92.6M · Tier avg: $139.2M
29
29th pctile
Total Deposits
Current: $100.5M · Tier avg: $183.7M
26
26th pctile
Total Assets
Current: $111.4M · Tier avg: $217.5M
19
19th pctile
Loan-to-Deposit Ratio
Current: 92.14% · Tier avg: 74.53%
Top Weaknesses
19
19th pctile
Loan-to-Deposit Ratio
Current: 92.14% · Tier avg: 74.53%
26
26th pctile
Total Assets
Current: $111.4M · Tier avg: $217.5M
29
29th pctile
Total Deposits
Current: $100.5M · Tier avg: $183.7M
40
40th pctile
Total Loans
Current: $92.6M · Tier avg: $139.2M
48
48th pctile
Nonperforming Asset Ratio
Current: 0.32% · Tier avg: 0.45%
60
60th pctile
Non-Interest-Bearing Deposit Share
Current: 23.97% · Tier avg: 22.39%
62
62th pctile
Delinquency Rate
Current: 0.20% · Tier avg: 0.64%
65
65th pctile
Tier 1 Capital Ratio
Current: 13.37% · Tier avg: 8.85%
87
87th pctile
Efficiency Ratio
Current: 51.53% · Tier avg: 67.73%
92
92th pctile
Non-Interest Income / Assets
Current: 1.01% · Tier avg: 0.56%
96
96th pctile
Return on Assets
Current: 2.50% · Tier avg: 1.08%
99
99th pctile
Net Interest Margin
Current: 6.34% · Tier avg: 3.85%