BlastPoint's Banking Scorecard
First Texoma National Bank
Micro
Specialty: Commercial
OK
FDIC cert 13905
Designations: ✓ Community bank
Durant, OK
2498
banks in Micro tier nationally
121 in OK
View Micro leaderboard (OK) →
First Texoma National Bank has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 17.88% above tier
Key Concerns
Areas that may need attention
- - Delinquency Rate 2.92% above tier
- - Nonperforming Asset Ratio 1.99% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$217.6M
-1.8% YoY
-1.9% QoQ
|
+$80K |
$217.5M
+2.3% YoY
|
$1.2B
+6.0% YoY
|
$5.9B
+6.5% YoY
|
55% |
| Total Loans ? |
$149.2M
+0.6% YoY
-1.8% QoQ
|
+$10.1M |
$139.2M
+2.8% YoY
|
$796.2M
+5.4% YoY
|
$3.1B
+8.5% YoY
|
60% |
| Total Deposits ? |
$195.6M
-3.0% YoY
-0.3% QoQ
|
+$11.9M |
$183.7M
+1.8% YoY
|
$938.6M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
58% |
| Return on Assets ? |
0.97%
+13.1% YoY
-5.4% QoQ
|
-0.11% |
1.08%
+14.7% YoY
|
1.36%
+10.0% YoY
|
1.12%
+15.6% YoY
|
44% |
| Net Interest Margin ? |
4.82%
+12.6% YoY
+1.9% QoQ
|
+0.97% |
3.85%
+6.6% YoY
|
4.26%
+3.2% YoY
|
3.75%
+7.1% YoY
|
Top 13% in tier |
| Efficiency Ratio ? |
71.36%
-5.2% YoY
-0.4% QoQ
|
+3.64% |
67.73%
-4.8% YoY
|
63.62%
-4.9% YoY
|
65.09%
-5.1% YoY
|
37% |
| Delinquency Rate ? |
3.56%
-1.9% YoY
+3.4% QoQ
|
+2.92% |
0.64%
+24.4% YoY
|
0.95%
+12.2% YoY
|
0.66%
+20.3% YoY
|
Bottom 1% in tier |
| Loan-to-Deposit Ratio ? |
76.31%
+3.8% YoY
-1.6% QoQ
|
+1.78% |
74.53%
+0.5% YoY
|
75.78%
+1.6% YoY
|
78.04%
+0.7% YoY
|
50% |
| Non-Interest-Bearing Deposit Share ? |
40.28%
-2.0% YoY
-2.3% QoQ
|
+17.88% |
22.39%
-1.3% YoY
|
23.21%
-2.4% YoY
|
21.79%
-1.3% YoY
|
Top 6% in tier |
| Nonperforming Asset Ratio ? |
2.44%
+0.5% YoY
+3.5% QoQ
|
+1.99% |
0.45%
+25.1% YoY
|
0.71%
+9.7% YoY
|
0.48%
+20.8% YoY
|
Bottom 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 ? |
0.53%
-19.5% YoY
+35.4% QoQ
|
-0.03% |
0.56%
+0.3% YoY
|
0.68%
-3.1% YoY
|
0.65%
+0.6% YoY
|
72% |
Signature Analysis
Strengths (1)
Non-Interest-Bearing Deposit Share
metric
Top 6%
in Micro
Why this stands out
Current:
40.28%
(Tier avg: 22.39%, National avg: 21.79%)
Concerns (2)
Delinquency Rate
metric
Bottom 1%
in Micro
Why this stands out
Current:
3.56%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 1%
in Micro
Why this stands out
Current:
2.44%
(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
94
94th pctile
Non-Interest-Bearing Deposit Share
Current: 40.28% · Tier avg: 22.39%
87
87th pctile
Net Interest Margin
Current: 4.82% · Tier avg: 3.85%
72
72th pctile
Non-Interest Income / Assets
Current: 0.53% · Tier avg: 0.56%
60
60th pctile
Total Loans
Current: $149.2M · Tier avg: $139.2M
58
58th pctile
Total Deposits
Current: $195.6M · Tier avg: $183.7M
55
55th pctile
Total Assets
Current: $217.6M · Tier avg: $217.5M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
50
50th pctile
Loan-to-Deposit Ratio
Current: 76.31% · Tier avg: 74.53%
44
44th pctile
Return on Assets
Current: 0.97% · Tier avg: 1.08%
37
37th pctile
Efficiency Ratio
Current: 71.36% · Tier avg: 67.73%
0
0th pctile
Delinquency Rate
Current: 3.56% · Tier avg: 0.64%
0
0th pctile
Nonperforming Asset Ratio
Current: 2.44% · Tier avg: 0.45%
Top Weaknesses
0
0th pctile
Nonperforming Asset Ratio
Current: 2.44% · Tier avg: 0.45%
0
0th pctile
Delinquency Rate
Current: 3.56% · Tier avg: 0.64%
37
37th pctile
Efficiency Ratio
Current: 71.36% · Tier avg: 67.73%
44
44th pctile
Return on Assets
Current: 0.97% · Tier avg: 1.08%
50
50th pctile
Loan-to-Deposit Ratio
Current: 76.31% · Tier avg: 74.53%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
55
55th pctile
Total Assets
Current: $217.6M · Tier avg: $217.5M
58
58th pctile
Total Deposits
Current: $195.6M · Tier avg: $183.7M
60
60th pctile
Total Loans
Current: $149.2M · Tier avg: $139.2M
72
72th pctile
Non-Interest Income / Assets
Current: 0.53% · Tier avg: 0.56%
87
87th pctile
Net Interest Margin
Current: 4.82% · Tier avg: 3.85%
94
94th pctile
Non-Interest-Bearing Deposit Share
Current: 40.28% · Tier avg: 22.39%