BlastPoint's Banking Scorecard
First State Bank
Micro
Specialty: Commercial
OK
FDIC cert 12757
Designations: ✓ Community bank
Valliant, OK
2498
banks in Micro tier nationally
121 in OK
View Micro leaderboard (OK) →
First State Bank demonstrates 3 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 0.90% above tier
- + Net Interest Margin 2.26% above tier
- + Non-Interest-Bearing Deposit Share 16.01% 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 ? |
$101.5M
+4.6% YoY
+2.6% QoQ
|
-$116.0M |
$217.5M
+2.3% YoY
|
$1.2B
+6.0% YoY
|
$5.9B
+6.5% YoY
|
23% |
| Total Loans ? |
$68.4M
-0.8% YoY
+2.3% QoQ
|
-$70.8M |
$139.2M
+2.8% YoY
|
$796.2M
+5.4% YoY
|
$3.1B
+8.5% YoY
|
28% |
| Total Deposits ? |
$86.7M
+0.7% YoY
-0.7% QoQ
|
-$97.0M |
$183.7M
+1.8% YoY
|
$938.6M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
24% |
| Return on Assets ? |
1.99%
-14.4% YoY
+1.7% QoQ
|
+0.90% |
1.08%
+14.7% YoY
|
1.36%
+10.0% YoY
|
1.12%
+15.6% YoY
|
Top 10% in tier |
| Net Interest Margin ? |
6.11%
-1.5% YoY
+0.1% QoQ
|
+2.26% |
3.85%
+6.6% YoY
|
4.26%
+3.2% YoY
|
3.75%
+7.1% YoY
|
Top 2% in tier |
| Efficiency Ratio ? |
68.14%
+7.4% YoY
-0.8% QoQ
|
+0.42% |
67.73%
-4.8% YoY
|
63.62%
-4.9% YoY
|
65.09%
-5.1% YoY
|
45% |
| Delinquency Rate ? |
0.08%
-17.8% YoY
-40.5% QoQ
|
-0.56% |
0.64%
+24.4% YoY
|
0.95%
+12.2% YoY
|
0.66%
+20.3% YoY
|
72% |
| Loan-to-Deposit Ratio ? |
78.88%
-1.5% YoY
+3.1% QoQ
|
+4.35% |
74.53%
+0.5% YoY
|
75.78%
+1.6% YoY
|
78.04%
+0.7% YoY
|
45% |
| Non-Interest-Bearing Deposit Share ? |
38.40%
-7.7% YoY
-2.1% QoQ
|
+16.01% |
22.39%
-1.3% YoY
|
23.21%
-2.4% YoY
|
21.79%
-1.3% YoY
|
Top 8% in tier |
| Nonperforming Asset Ratio ? |
0.05%
-22.0% YoY
-40.6% QoQ
|
-0.40% |
0.45%
+25.1% YoY
|
0.71%
+9.7% YoY
|
0.48%
+20.8% YoY
|
73% |
| Tier 1 Capital Ratio ? |
16.85%
+0.8% YoY
+2.1% QoQ
|
+7.99% |
8.85%
-3.4% YoY
|
7.74%
-5.6% YoY
|
9.75%
-1.9% YoY
|
79% |
| Non-Interest Income / Assets ? |
0.46%
-7.4% YoY
+29.0% QoQ
|
-0.10% |
0.56%
+0.3% YoY
|
0.68%
-3.1% YoY
|
0.65%
+0.6% YoY
|
64% |
Signature Analysis
Strengths (3)
Return on Assets
metric
Top 10%
in Micro
Why this stands out
Current:
1.99%
(Tier avg: 1.08%, National avg: 1.12%)
Net Interest Margin
metric
Top 2%
in Micro
Why this stands out
Current:
6.11%
(Tier avg: 3.85%, National avg: 3.75%)
Non-Interest-Bearing Deposit Share
metric
Top 8%
in Micro
Why this stands out
Current:
38.40%
(Tier avg: 22.39%, National avg: 21.79%)
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
98
98th pctile
Net Interest Margin
Current: 6.11% · Tier avg: 3.85%
92
92th pctile
Non-Interest-Bearing Deposit Share
Current: 38.40% · Tier avg: 22.39%
90
90th pctile
Return on Assets
Current: 1.99% · Tier avg: 1.08%
79
79th pctile
Tier 1 Capital Ratio
Current: 16.85% · Tier avg: 8.85%
73
73th pctile
Nonperforming Asset Ratio
Current: 0.05% · Tier avg: 0.45%
72
72th pctile
Delinquency Rate
Current: 0.08% · Tier avg: 0.64%
64
64th pctile
Non-Interest Income / Assets
Current: 0.46% · Tier avg: 0.56%
45
45th pctile
Loan-to-Deposit Ratio
Current: 78.88% · Tier avg: 74.53%
45
45th pctile
Efficiency Ratio
Current: 68.14% · Tier avg: 67.73%
28
28th pctile
Total Loans
Current: $68.4M · Tier avg: $139.2M
24
24th pctile
Total Deposits
Current: $86.7M · Tier avg: $183.7M
23
23th pctile
Total Assets
Current: $101.5M · Tier avg: $217.5M
Top Weaknesses
23
23th pctile
Total Assets
Current: $101.5M · Tier avg: $217.5M
24
24th pctile
Total Deposits
Current: $86.7M · Tier avg: $183.7M
28
28th pctile
Total Loans
Current: $68.4M · Tier avg: $139.2M
45
45th pctile
Efficiency Ratio
Current: 68.14% · Tier avg: 67.73%
45
45th pctile
Loan-to-Deposit Ratio
Current: 78.88% · Tier avg: 74.53%
64
64th pctile
Non-Interest Income / Assets
Current: 0.46% · Tier avg: 0.56%
72
72th pctile
Delinquency Rate
Current: 0.08% · Tier avg: 0.64%
73
73th pctile
Nonperforming Asset Ratio
Current: 0.05% · Tier avg: 0.45%
79
79th pctile
Tier 1 Capital Ratio
Current: 16.85% · Tier avg: 8.85%
90
90th pctile
Return on Assets
Current: 1.99% · Tier avg: 1.08%
92
92th pctile
Non-Interest-Bearing Deposit Share
Current: 38.40% · Tier avg: 22.39%
98
98th pctile
Net Interest Margin
Current: 6.11% · Tier avg: 3.85%