BlastPoint's Banking Scorecard
First State Bank
Micro
Specialty: Other
OK
FDIC cert 12283
Designations: ✓ Community bank
Anadarko, OK
2498
banks in Micro tier nationally
121 in OK
View Micro leaderboard (OK) →
First State Bank has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 47.34% below tier
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.42% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$146.5M
+10.7% YoY
+12.3% QoQ
|
-$71.0M |
$217.5M
+2.3% YoY
|
$1.2B
+6.0% YoY
|
$5.9B
+6.5% YoY
|
37% |
| Total Loans ? |
$37.3M
+16.1% YoY
+1.5% QoQ
|
-$101.9M |
$139.2M
+2.8% YoY
|
$796.2M
+5.4% YoY
|
$3.1B
+8.5% YoY
|
Bottom 14% in tier |
| Total Deposits ? |
$137.2M
+8.4% YoY
+13.2% QoQ
|
-$46.5M |
$183.7M
+1.8% YoY
|
$938.6M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
41% |
| Return on Assets ? |
0.55%
+56.8% YoY
-41.0% QoQ
|
-0.53% |
1.08%
+14.7% YoY
|
1.36%
+10.0% YoY
|
1.12%
+15.6% YoY
|
20% |
| Net Interest Margin ? |
2.43%
+9.3% YoY
+1.1% QoQ
|
-1.42% |
3.85%
+6.6% YoY
|
4.26%
+3.2% YoY
|
3.75%
+7.1% YoY
|
Bottom 5% in tier |
| Efficiency Ratio ? |
76.27%
-11.3% YoY
+18.7% QoQ
|
+8.54% |
67.73%
-4.8% YoY
|
63.62%
-4.9% YoY
|
65.09%
-5.1% YoY
|
26% |
| Delinquency Rate ? |
0.44%
-8.9% YoY
+6.9% QoQ
|
-0.20% |
0.64%
+24.4% YoY
|
0.95%
+12.2% YoY
|
0.66%
+20.3% YoY
|
48% |
| Loan-to-Deposit Ratio ? |
27.18%
+7.1% YoY
-10.3% QoQ
|
-47.34% |
74.53%
+0.5% YoY
|
75.78%
+1.6% YoY
|
78.04%
+0.7% YoY
|
Top 1% in tier |
| Non-Interest-Bearing Deposit Share ? |
10.28%
-8.5% YoY
-5.6% QoQ
|
-12.11% |
22.39%
-1.3% YoY
|
23.21%
-2.4% YoY
|
21.79%
-1.3% YoY
|
Bottom 12% in tier |
| Nonperforming Asset Ratio ? |
0.11%
-4.4% YoY
-3.3% QoQ
|
-0.34% |
0.45%
+25.1% YoY
|
0.71%
+9.7% YoY
|
0.48%
+20.8% YoY
|
66% |
| 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 ? |
0.38%
-2.8% YoY
+18.3% QoQ
|
-0.18% |
0.56%
+0.3% YoY
|
0.68%
-3.1% YoY
|
0.65%
+0.6% YoY
|
53% |
Signature Analysis
Strengths (1)
Loan-to-Deposit Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
27.18%
(Tier avg: 74.53%, National avg: 78.04%)
Concerns (1)
Net Interest Margin
metric
Bottom 5%
in Micro
Why this stands out
Current:
2.43%
(Tier avg: 3.85%, National avg: 3.75%)
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
Loan-to-Deposit Ratio
Current: 27.18% · Tier avg: 74.53%
66
66th pctile
Nonperforming Asset Ratio
Current: 0.11% · Tier avg: 0.45%
53
53th pctile
Non-Interest Income / Assets
Current: 0.38% · Tier avg: 0.56%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
48
48th pctile
Delinquency Rate
Current: 0.44% · Tier avg: 0.64%
41
41th pctile
Total Deposits
Current: $137.2M · Tier avg: $183.7M
37
37th pctile
Total Assets
Current: $146.5M · Tier avg: $217.5M
26
26th pctile
Efficiency Ratio
Current: 76.27% · Tier avg: 67.73%
20
20th pctile
Return on Assets
Current: 0.55% · Tier avg: 1.08%
14
14th pctile
Total Loans
Current: $37.3M · Tier avg: $139.2M
12
12th pctile
Non-Interest-Bearing Deposit Share
Current: 10.28% · Tier avg: 22.39%
5
5th pctile
Net Interest Margin
Current: 2.43% · Tier avg: 3.85%
Top Weaknesses
5
5th pctile
Net Interest Margin
Current: 2.43% · Tier avg: 3.85%
12
12th pctile
Non-Interest-Bearing Deposit Share
Current: 10.28% · Tier avg: 22.39%
14
14th pctile
Total Loans
Current: $37.3M · Tier avg: $139.2M
20
20th pctile
Return on Assets
Current: 0.55% · Tier avg: 1.08%
26
26th pctile
Efficiency Ratio
Current: 76.27% · Tier avg: 67.73%
37
37th pctile
Total Assets
Current: $146.5M · Tier avg: $217.5M
41
41th pctile
Total Deposits
Current: $137.2M · Tier avg: $183.7M
48
48th pctile
Delinquency Rate
Current: 0.44% · Tier avg: 0.64%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
53
53th pctile
Non-Interest Income / Assets
Current: 0.38% · Tier avg: 0.56%
66
66th pctile
Nonperforming Asset Ratio
Current: 0.11% · Tier avg: 0.45%
99
99th pctile
Loan-to-Deposit Ratio
Current: 27.18% · Tier avg: 74.53%