BlastPoint's Banking Scorecard
The First Bank of Okarche
Micro
Specialty: Agricultural
OK
FDIC cert 1165
Designations: ✓ Community bank
Okarche, OK
2498
banks in Micro tier nationally
121 in OK
View Micro leaderboard (OK) →
The First Bank of Okarche demonstrates 5 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 1.32% above tier
- + Efficiency Ratio 33.96% below tier
- + Delinquency Rate 0.64% below tier
- + Non-Interest-Bearing Deposit Share 15.90% above 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 ? |
$137.7M
+1.7% YoY
-1.4% QoQ
|
-$79.8M |
$217.5M
+2.3% YoY
|
$1.2B
+6.0% YoY
|
$5.9B
+6.5% YoY
|
34% |
| Total Loans ? |
$58.4M
+19.7% YoY
+35.7% QoQ
|
-$80.7M |
$139.2M
+2.8% YoY
|
$796.2M
+5.4% YoY
|
$3.1B
+8.5% YoY
|
24% |
| Total Deposits ? |
$115.7M
+0.2% YoY
-1.6% QoQ
|
-$67.9M |
$183.7M
+1.8% YoY
|
$938.6M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
34% |
| Return on Assets ? |
2.41%
-1.8% YoY
-3.2% QoQ
|
+1.32% |
1.08%
+14.7% YoY
|
1.36%
+10.0% YoY
|
1.12%
+15.6% YoY
|
Top 4% in tier |
| Net Interest Margin ? |
3.80%
-1.5% YoY
+0.4% QoQ
|
-0.05% |
3.85%
+6.6% YoY
|
4.26%
+3.2% YoY
|
3.75%
+7.1% YoY
|
50% |
| Efficiency Ratio ? |
33.77%
+0.6% YoY
+5.4% QoQ
|
-33.96% |
67.73%
-4.8% YoY
|
63.62%
-4.9% YoY
|
65.09%
-5.1% YoY
|
Top 1% in tier |
| Delinquency Rate ? |
0.00%
-100.0% YoY
-100.0% QoQ
|
-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 ? |
50.50%
+19.5% YoY
+37.9% QoQ
|
-24.02% |
74.53%
+0.5% YoY
|
75.78%
+1.6% YoY
|
78.04%
+0.7% YoY
|
Top 13% in tier |
| Non-Interest-Bearing Deposit Share ? |
38.29%
-4.2% YoY
-3.7% QoQ
|
+15.90% |
22.39%
-1.3% YoY
|
23.21%
-2.4% YoY
|
21.79%
-1.3% YoY
|
Top 8% in tier |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% YoY
-100.0% QoQ
|
-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 ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
7.74%
-5.6% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.17%
+0.5% YoY
+38.9% QoQ
|
-0.39% |
0.56%
+0.3% YoY
|
0.68%
-3.1% YoY
|
0.65%
+0.6% YoY
|
19% |
Signature Analysis
Strengths (5)
Return on Assets
metric
Top 4%
in Micro
Why this stands out
Current:
2.41%
(Tier avg: 1.08%, National avg: 1.12%)
Efficiency Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
33.77%
(Tier avg: 67.73%, National avg: 65.09%)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Non-Interest-Bearing Deposit Share
metric
Top 8%
in Micro
Why this stands out
Current:
38.29%
(Tier avg: 22.39%, National avg: 21.79%)
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%
99
99th pctile
Efficiency Ratio
Current: 33.77% · Tier avg: 67.73%
96
96th pctile
Return on Assets
Current: 2.41% · Tier avg: 1.08%
92
92th pctile
Non-Interest-Bearing Deposit Share
Current: 38.29% · Tier avg: 22.39%
87
87th pctile
Loan-to-Deposit Ratio
Current: 50.50% · Tier avg: 74.53%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
50
50th pctile
Net Interest Margin
Current: 3.80% · Tier avg: 3.85%
34
34th pctile
Total Deposits
Current: $115.7M · Tier avg: $183.7M
34
34th pctile
Total Assets
Current: $137.7M · Tier avg: $217.5M
24
24th pctile
Total Loans
Current: $58.4M · Tier avg: $139.2M
19
19th pctile
Non-Interest Income / Assets
Current: 0.17% · Tier avg: 0.56%
Top Weaknesses
19
19th pctile
Non-Interest Income / Assets
Current: 0.17% · Tier avg: 0.56%
24
24th pctile
Total Loans
Current: $58.4M · Tier avg: $139.2M
34
34th pctile
Total Assets
Current: $137.7M · Tier avg: $217.5M
34
34th pctile
Total Deposits
Current: $115.7M · Tier avg: $183.7M
50
50th pctile
Net Interest Margin
Current: 3.80% · Tier avg: 3.85%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
87
87th pctile
Loan-to-Deposit Ratio
Current: 50.50% · Tier avg: 74.53%
92
92th pctile
Non-Interest-Bearing Deposit Share
Current: 38.29% · Tier avg: 22.39%
96
96th pctile
Return on Assets
Current: 2.41% · Tier avg: 1.08%
99
99th pctile
Efficiency Ratio
Current: 33.77% · Tier avg: 67.73%
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%