BlastPoint's Banking Scorecard
The First State Bank of Pond Creek, Oklahoma
Micro
Specialty: Agricultural
OK
FDIC cert 11527
Designations: ✓ Community bank
Pond Creek, OK
2498
banks in Micro tier nationally
121 in OK
View Micro leaderboard (OK) →
The First State Bank of Pond Creek, Oklahoma has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.57% above tier
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 29.72% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$58.2M
+5.5% YoY
+3.9% QoQ
|
-$159.3M |
$217.5M
+2.3% YoY
|
$1.2B
+6.0% YoY
|
$5.9B
+6.5% YoY
|
Bottom 10% in tier |
| Total Loans ? |
$50.0M
+13.0% YoY
+8.3% QoQ
|
-$89.2M |
$139.2M
+2.8% YoY
|
$796.2M
+5.4% YoY
|
$3.1B
+8.5% YoY
|
20% |
| Total Deposits ? |
$47.9M
+5.8% YoY
+1.5% QoQ
|
-$135.7M |
$183.7M
+1.8% YoY
|
$938.6M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
Bottom 10% in tier |
| Return on Assets ? |
1.78%
+29.4% YoY
-18.7% QoQ
|
+0.69% |
1.08%
+14.7% YoY
|
1.36%
+10.0% YoY
|
1.12%
+15.6% YoY
|
84% |
| Net Interest Margin ? |
5.43%
+0.3% YoY
-0.2% QoQ
|
+1.57% |
3.85%
+6.6% YoY
|
4.26%
+3.2% YoY
|
3.75%
+7.1% YoY
|
Top 5% in tier |
| Efficiency Ratio ? |
64.54%
-6.7% YoY
+6.8% QoQ
|
-3.19% |
67.73%
-4.8% YoY
|
63.62%
-4.9% YoY
|
65.09%
-5.1% YoY
|
54% |
| Delinquency Rate ? |
1.78%
+541.2% YoY
-15.5% QoQ
|
+1.14% |
0.64%
+24.4% YoY
|
0.95%
+12.2% YoY
|
0.66%
+20.3% YoY
|
15% |
| Loan-to-Deposit Ratio ? |
104.24%
+6.8% YoY
+6.7% QoQ
|
+29.72% |
74.53%
+0.5% YoY
|
75.78%
+1.6% YoY
|
78.04%
+0.7% YoY
|
Bottom 6% in tier |
| Non-Interest-Bearing Deposit Share ? |
26.89%
-13.5% YoY
-14.8% QoQ
|
+4.50% |
22.39%
-1.3% YoY
|
23.21%
-2.4% YoY
|
21.79%
-1.3% YoY
|
70% |
| Nonperforming Asset Ratio ? |
1.53%
+285.5% YoY
-11.9% QoQ
|
+1.08% |
0.45%
+25.1% YoY
|
0.71%
+9.7% YoY
|
0.48%
+20.8% YoY
|
Bottom 11% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
7.74%
-5.6% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.34%
-10.2% YoY
+21.3% QoQ
|
-0.22% |
0.56%
+0.3% YoY
|
0.68%
-3.1% YoY
|
0.65%
+0.6% YoY
|
47% |
Signature Analysis
Strengths (1)
Net Interest Margin
metric
Top 5%
in Micro
Why this stands out
Current:
5.43%
(Tier avg: 3.85%, National avg: 3.75%)
Concerns (1)
Loan-to-Deposit Ratio
metric
Bottom 6%
in Micro
Why this stands out
Current:
104.24%
(Tier avg: 74.53%, National avg: 78.04%)
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
95
95th pctile
Net Interest Margin
Current: 5.43% · Tier avg: 3.85%
84
84th pctile
Return on Assets
Current: 1.78% · Tier avg: 1.08%
70
70th pctile
Non-Interest-Bearing Deposit Share
Current: 26.89% · Tier avg: 22.39%
54
54th pctile
Efficiency Ratio
Current: 64.54% · Tier avg: 67.73%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
47
47th pctile
Non-Interest Income / Assets
Current: 0.34% · Tier avg: 0.56%
20
20th pctile
Total Loans
Current: $50.0M · Tier avg: $139.2M
15
15th pctile
Delinquency Rate
Current: 1.78% · Tier avg: 0.64%
11
11th pctile
Nonperforming Asset Ratio
Current: 1.53% · Tier avg: 0.45%
10
10th pctile
Total Assets
Current: $58.2M · Tier avg: $217.5M
10
10th pctile
Total Deposits
Current: $47.9M · Tier avg: $183.7M
6
6th pctile
Loan-to-Deposit Ratio
Current: 104.24% · Tier avg: 74.53%
Top Weaknesses
6
6th pctile
Loan-to-Deposit Ratio
Current: 104.24% · Tier avg: 74.53%
10
10th pctile
Total Deposits
Current: $47.9M · Tier avg: $183.7M
10
10th pctile
Total Assets
Current: $58.2M · Tier avg: $217.5M
11
11th pctile
Nonperforming Asset Ratio
Current: 1.53% · Tier avg: 0.45%
15
15th pctile
Delinquency Rate
Current: 1.78% · Tier avg: 0.64%
20
20th pctile
Total Loans
Current: $50.0M · Tier avg: $139.2M
47
47th pctile
Non-Interest Income / Assets
Current: 0.34% · Tier avg: 0.56%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
54
54th pctile
Efficiency Ratio
Current: 64.54% · Tier avg: 67.73%
70
70th pctile
Non-Interest-Bearing Deposit Share
Current: 26.89% · Tier avg: 22.39%
84
84th pctile
Return on Assets
Current: 1.78% · Tier avg: 1.08%
95
95th pctile
Net Interest Margin
Current: 5.43% · Tier avg: 3.85%