BlastPoint's Banking Scorecard
BANK360
Micro
Specialty: Commercial
OK
FDIC cert 9875
Designations: ✓ Community bank
Cordell, OK
2498
banks in Micro tier nationally
121 in OK
View Micro leaderboard (OK) →
BANK360 faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Delinquency Rate 3.50% above tier
- - Nonperforming Asset Ratio 2.88% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$63.3M
+1.3% YoY
+0.1% QoQ
|
-$154.2M |
$217.5M
+2.3% YoY
|
$1.2B
+6.0% YoY
|
$5.9B
+6.5% YoY
|
Bottom 11% in tier |
| Total Loans ? |
$51.0M
+4.8% YoY
+6.9% QoQ
|
-$88.2M |
$139.2M
+2.8% YoY
|
$796.2M
+5.4% YoY
|
$3.1B
+8.5% YoY
|
20% |
| Total Deposits ? |
$55.1M
+0.7% YoY
+0.0% QoQ
|
-$128.6M |
$183.7M
+1.8% YoY
|
$938.6M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
Bottom 12% in tier |
| Return on Assets ? |
1.52%
-15.1% YoY
-11.7% QoQ
|
+0.44% |
1.08%
+14.7% YoY
|
1.36%
+10.0% YoY
|
1.12%
+15.6% YoY
|
75% |
| Net Interest Margin ? |
4.75%
-2.8% YoY
-2.0% QoQ
|
+0.89% |
3.85%
+6.6% YoY
|
4.26%
+3.2% YoY
|
3.75%
+7.1% YoY
|
Top 14% in tier |
| Efficiency Ratio ? |
68.01%
+6.4% YoY
+5.3% QoQ
|
+0.28% |
67.73%
-4.8% YoY
|
63.62%
-4.9% YoY
|
65.09%
-5.1% YoY
|
45% |
| Delinquency Rate ? |
4.14%
+89.3% YoY
-5.8% QoQ
|
+3.50% |
0.64%
+24.4% YoY
|
0.95%
+12.2% YoY
|
0.66%
+20.3% YoY
|
Bottom 1% in tier |
| Loan-to-Deposit Ratio ? |
92.59%
+4.1% YoY
+6.9% QoQ
|
+18.06% |
74.53%
+0.5% YoY
|
75.78%
+1.6% YoY
|
78.04%
+0.7% YoY
|
82% |
| Non-Interest-Bearing Deposit Share ? |
16.90%
+19.6% YoY
+4.9% QoQ
|
-5.49% |
22.39%
-1.3% YoY
|
23.21%
-2.4% YoY
|
21.79%
-1.3% YoY
|
30% |
| Nonperforming Asset Ratio ? |
3.33%
+95.9% YoY
+0.5% QoQ
|
+2.88% |
0.45%
+25.1% YoY
|
0.71%
+9.7% YoY
|
0.48%
+20.8% YoY
|
Bottom 1% in tier |
| Tier 1 Capital Ratio ? |
15.31%
+7.2% YoY
-3.9% QoQ
|
+6.46% |
8.85%
-3.4% YoY
|
7.74%
-5.6% YoY
|
9.75%
-1.9% YoY
|
73% |
| Non-Interest Income / Assets ? |
0.27%
-29.6% YoY
+33.4% QoQ
|
-0.29% |
0.56%
+0.3% YoY
|
0.68%
-3.1% YoY
|
0.65%
+0.6% YoY
|
35% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Delinquency Rate
metric
Bottom 1%
in Micro
Why this stands out
Current:
4.14%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 1%
in Micro
Why this stands out
Current:
3.33%
(Tier avg: 0.45%, National avg: 0.48%)
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
86
86th pctile
Net Interest Margin
Current: 4.75% · Tier avg: 3.85%
82
82th pctile
Loan-to-Deposit Ratio
Current: 92.59% · Tier avg: 74.53%
75
75th pctile
Return on Assets
Current: 1.52% · Tier avg: 1.08%
73
73th pctile
Tier 1 Capital Ratio
Current: 15.31% · Tier avg: 8.85%
45
45th pctile
Efficiency Ratio
Current: 68.01% · Tier avg: 67.73%
35
35th pctile
Non-Interest Income / Assets
Current: 0.27% · Tier avg: 0.56%
30
30th pctile
Non-Interest-Bearing Deposit Share
Current: 16.90% · Tier avg: 22.39%
20
20th pctile
Total Loans
Current: $51.0M · Tier avg: $139.2M
12
12th pctile
Total Deposits
Current: $55.1M · Tier avg: $183.7M
11
11th pctile
Total Assets
Current: $63.3M · Tier avg: $217.5M
0
0th pctile
Delinquency Rate
Current: 4.14% · Tier avg: 0.64%
0
0th pctile
Nonperforming Asset Ratio
Current: 3.33% · Tier avg: 0.45%
Top Weaknesses
0
0th pctile
Nonperforming Asset Ratio
Current: 3.33% · Tier avg: 0.45%
0
0th pctile
Delinquency Rate
Current: 4.14% · Tier avg: 0.64%
11
11th pctile
Total Assets
Current: $63.3M · Tier avg: $217.5M
12
12th pctile
Total Deposits
Current: $55.1M · Tier avg: $183.7M
20
20th pctile
Total Loans
Current: $51.0M · Tier avg: $139.2M
30
30th pctile
Non-Interest-Bearing Deposit Share
Current: 16.90% · Tier avg: 22.39%
35
35th pctile
Non-Interest Income / Assets
Current: 0.27% · Tier avg: 0.56%
45
45th pctile
Efficiency Ratio
Current: 68.01% · Tier avg: 67.73%
73
73th pctile
Tier 1 Capital Ratio
Current: 15.31% · Tier avg: 8.85%
75
75th pctile
Return on Assets
Current: 1.52% · Tier avg: 1.08%
82
82th pctile
Loan-to-Deposit Ratio
Current: 92.59% · Tier avg: 74.53%
86
86th pctile
Net Interest Margin
Current: 4.75% · Tier avg: 3.85%