BlastPoint's Banking Scorecard
Wisdom Heritage Bank
Community
Specialty: Agricultural
OK
FDIC cert 9465
Alva, OK
1484
banks in Community tier nationally
45 in OK
View Community leaderboard (OK) →
Wisdom Heritage Bank shows strong momentum with 3 strengths and 8.7% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 24% in Community
- + Loan-to-Deposit Ratio 21.35% below tier
- + Tier 1 Capital Ratio 9.42% 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 ? |
$630.8M
+8.7% YoY
+7.0% QoQ
|
-$760.6M |
$1.4B
+2.0% YoY
|
$1.2B
+6.0% YoY
|
$5.9B
+6.5% YoY
|
18% |
| Total Loans ? |
$326.3M
+8.5% YoY
+17.0% QoQ
|
-$649.2M |
$975.5M
+2.4% YoY
|
$796.2M
+5.4% YoY
|
$3.1B
+8.5% YoY
|
Bottom 6% in tier |
| Total Deposits ? |
$528.7M
+9.5% YoY
+9.8% QoQ
|
-$635.9M |
$1.2B
+1.7% YoY
|
$938.6M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
17% |
| Return on Assets ? |
2.09%
+16.7% YoY
+2.9% QoQ
|
+0.93% |
1.16%
+17.2% YoY
|
1.36%
+10.0% YoY
|
1.12%
+15.6% YoY
|
Top 8% in tier |
| Net Interest Margin ? |
3.52%
-3.4% YoY
-3.0% QoQ
|
-0.15% |
3.66%
+9.1% YoY
|
4.26%
+3.2% YoY
|
3.75%
+7.1% YoY
|
43% |
| Efficiency Ratio ? |
49.77%
-0.2% YoY
+2.0% QoQ
|
-12.86% |
62.63%
-5.3% YoY
|
63.62%
-4.9% YoY
|
65.09%
-5.1% YoY
|
84% |
| Delinquency Rate ? |
0.27%
-20.4% YoY
-9.6% QoQ
|
-0.36% |
0.63%
+18.3% YoY
|
0.95%
+12.2% YoY
|
0.66%
+20.3% YoY
|
64% |
| Loan-to-Deposit Ratio ? |
61.71%
-1.0% YoY
+6.6% QoQ
|
-21.35% |
83.06%
+0.3% YoY
|
75.78%
+1.6% YoY
|
78.04%
+0.7% YoY
|
Top 10% in tier |
| Non-Interest-Bearing Deposit Share ? |
26.20%
-3.6% YoY
+0.7% QoQ
|
+5.15% |
21.05%
-0.9% YoY
|
23.21%
-2.4% YoY
|
21.79%
-1.3% YoY
|
74% |
| Nonperforming Asset Ratio ? |
0.21%
-19.7% YoY
-5.1% QoQ
|
-0.29% |
0.50%
+20.3% YoY
|
0.71%
+9.7% YoY
|
0.48%
+20.8% YoY
|
64% |
| Tier 1 Capital Ratio ? |
19.66%
-4.1% YoY
-13.4% QoQ
|
+9.42% |
10.24%
-0.6% YoY
|
7.74%
-5.6% YoY
|
9.75%
-1.9% YoY
|
Top 7% in tier |
| Non-Interest Income / Assets ? |
0.23%
-22.1% YoY
+28.7% QoQ
|
-0.51% |
0.74%
-1.3% YoY
|
0.68%
-3.1% YoY
|
0.65%
+0.6% YoY
|
Bottom 14% in tier |
Signature Analysis
Strengths (3)
Profitability Leader
growth
#90 of 371 · Top 24% in Community
Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Why this signature
Return on Assets:
2.09%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
444 nationally
→ Stable
+5 banks QoQ
|
QoQ rank improving
Loan-to-Deposit Ratio
metric
Top 10%
in Community
Why this stands out
Current:
61.71%
(Tier avg: 83.06%, National avg: 78.04%)
Tier 1 Capital Ratio
metric
Top 7%
in Community
Why this stands out
Current:
19.66%
(Tier avg: 10.24%, National avg: 9.75%)
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
93
93th pctile
Tier 1 Capital Ratio
Current: 19.66% · Tier avg: 10.24%
92
92th pctile
Return on Assets
Current: 2.09% · Tier avg: 1.16%
90
90th pctile
Loan-to-Deposit Ratio
Current: 61.71% · Tier avg: 83.06%
84
84th pctile
Efficiency Ratio
Current: 49.77% · Tier avg: 62.63%
74
74th pctile
Non-Interest-Bearing Deposit Share
Current: 26.20% · Tier avg: 21.05%
64
64th pctile
Delinquency Rate
Current: 0.27% · Tier avg: 0.63%
64
64th pctile
Nonperforming Asset Ratio
Current: 0.21% · Tier avg: 0.50%
43
43th pctile
Net Interest Margin
Current: 3.52% · Tier avg: 3.66%
18
18th pctile
Total Assets
Current: $630.8M · Tier avg: $1.4B
17
17th pctile
Total Deposits
Current: $528.7M · Tier avg: $1.2B
14
14th pctile
Non-Interest Income / Assets
Current: 0.23% · Tier avg: 0.74%
6
6th pctile
Total Loans
Current: $326.3M · Tier avg: $975.5M
Top Weaknesses
6
6th pctile
Total Loans
Current: $326.3M · Tier avg: $975.5M
14
14th pctile
Non-Interest Income / Assets
Current: 0.23% · Tier avg: 0.74%
17
17th pctile
Total Deposits
Current: $528.7M · Tier avg: $1.2B
18
18th pctile
Total Assets
Current: $630.8M · Tier avg: $1.4B
43
43th pctile
Net Interest Margin
Current: 3.52% · Tier avg: 3.66%
64
64th pctile
Nonperforming Asset Ratio
Current: 0.21% · Tier avg: 0.50%
64
64th pctile
Delinquency Rate
Current: 0.27% · Tier avg: 0.63%
74
74th pctile
Non-Interest-Bearing Deposit Share
Current: 26.20% · Tier avg: 21.05%
84
84th pctile
Efficiency Ratio
Current: 49.77% · Tier avg: 62.63%
90
90th pctile
Loan-to-Deposit Ratio
Current: 61.71% · Tier avg: 83.06%
92
92th pctile
Return on Assets
Current: 2.09% · Tier avg: 1.16%
93
93th pctile
Tier 1 Capital Ratio
Current: 19.66% · Tier avg: 10.24%