BlastPoint's Banking Scorecard
FirstBank
Community
Specialty: Other
OK
FDIC cert 14331
Antlers, OK
1484
banks in Community tier nationally
45 in OK
View Community leaderboard (OK) →
FirstBank has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Deposit Franchise: Top 17% in Community
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 36% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$644.8M
+3.4% YoY
+0.7% QoQ
|
-$746.6M |
$1.4B
+2.0% YoY
|
$1.2B
+6.0% YoY
|
$5.9B
+6.5% YoY
|
21% |
| Total Loans ? |
$391.8M
-0.7% YoY
-0.9% QoQ
|
-$583.7M |
$975.5M
+2.4% YoY
|
$796.2M
+5.4% YoY
|
$3.1B
+8.5% YoY
|
Bottom 13% in tier |
| Total Deposits ? |
$562.0M
+2.9% YoY
+1.2% QoQ
|
-$602.6M |
$1.2B
+1.7% YoY
|
$938.6M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
23% |
| Return on Assets ? |
1.20%
+0.9% YoY
-0.2% QoQ
|
+0.04% |
1.16%
+17.2% YoY
|
1.36%
+10.0% YoY
|
1.12%
+15.6% YoY
|
56% |
| Net Interest Margin ? |
5.39%
-0.2% YoY
-0.0% QoQ
|
+1.73% |
3.66%
+9.1% YoY
|
4.26%
+3.2% YoY
|
3.75%
+7.1% YoY
|
Top 3% in tier |
| Efficiency Ratio ? |
71.65%
+0.5% YoY
-0.6% QoQ
|
+9.02% |
62.63%
-5.3% YoY
|
63.62%
-4.9% YoY
|
65.09%
-5.1% YoY
|
23% |
| Delinquency Rate ? |
0.31%
+55.2% YoY
-18.5% QoQ
|
-0.32% |
0.63%
+18.3% YoY
|
0.95%
+12.2% YoY
|
0.66%
+20.3% YoY
|
61% |
| Loan-to-Deposit Ratio ? |
69.72%
-3.5% YoY
-2.1% QoQ
|
-13.35% |
83.06%
+0.3% YoY
|
75.78%
+1.6% YoY
|
78.04%
+0.7% YoY
|
19% |
| Non-Interest-Bearing Deposit Share ? |
32.76%
-4.2% YoY
+3.1% QoQ
|
+11.71% |
21.05%
-0.9% YoY
|
23.21%
-2.4% YoY
|
21.79%
-1.3% YoY
|
Top 11% in tier |
| Nonperforming Asset Ratio ? |
0.25%
+78.2% YoY
-8.9% QoQ
|
-0.25% |
0.50%
+20.3% YoY
|
0.71%
+9.7% YoY
|
0.48%
+20.8% YoY
|
59% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
7.74%
-5.6% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
1.02%
+3.3% YoY
+32.9% QoQ
|
+0.28% |
0.74%
-1.3% YoY
|
0.68%
-3.1% YoY
|
0.65%
+0.6% YoY
|
Top 14% in tier |
Signature Analysis
Strengths (1)
Deposit Franchise
growth
#27 of 150 · Top 17% in Community
Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.
Why this signature
Noninterest-Bearing Deposit Share:
32.76%
(Tier: 21.05%, National: 21.79%)
Net Interest Margin:
5.39%
(Tier: 3.66%, National: 3.75%)
150 of 150 Community banks match
·
176 nationally
→ Stable
+2 banks QoQ
|
QoQ rank improving
Concerns (1)
Capital Thin
risk
#158 of 432 · Bottom 36% in Community
Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Why this signature
Tier 1 Risk-Based Capital Ratio:
0.00%
(Tier: 10.24%, National: 9.75%)
432 of 432 Community banks match
·
505 nationally
→ Stable
+11 banks QoQ
|
QoQ rank improving
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
97
97th pctile
Net Interest Margin
Current: 5.39% · Tier avg: 3.66%
89
89th pctile
Non-Interest-Bearing Deposit Share
Current: 32.76% · Tier avg: 21.05%
86
86th pctile
Non-Interest Income / Assets
Current: 1.02% · Tier avg: 0.74%
61
61th pctile
Delinquency Rate
Current: 0.31% · Tier avg: 0.63%
59
59th pctile
Nonperforming Asset Ratio
Current: 0.25% · Tier avg: 0.50%
56
56th pctile
Return on Assets
Current: 1.20% · Tier avg: 1.16%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
23
23th pctile
Efficiency Ratio
Current: 71.65% · Tier avg: 62.63%
23
23th pctile
Total Deposits
Current: $562.0M · Tier avg: $1.2B
21
21th pctile
Total Assets
Current: $644.8M · Tier avg: $1.4B
19
19th pctile
Loan-to-Deposit Ratio
Current: 69.72% · Tier avg: 83.06%
13
13th pctile
Total Loans
Current: $391.8M · Tier avg: $975.5M
Top Weaknesses
13
13th pctile
Total Loans
Current: $391.8M · Tier avg: $975.5M
19
19th pctile
Loan-to-Deposit Ratio
Current: 69.72% · Tier avg: 83.06%
21
21th pctile
Total Assets
Current: $644.8M · Tier avg: $1.4B
23
23th pctile
Total Deposits
Current: $562.0M · Tier avg: $1.2B
23
23th pctile
Efficiency Ratio
Current: 71.65% · Tier avg: 62.63%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
56
56th pctile
Return on Assets
Current: 1.20% · Tier avg: 1.16%
59
59th pctile
Nonperforming Asset Ratio
Current: 0.25% · Tier avg: 0.50%
61
61th pctile
Delinquency Rate
Current: 0.31% · Tier avg: 0.63%
86
86th pctile
Non-Interest Income / Assets
Current: 1.02% · Tier avg: 0.74%
89
89th pctile
Non-Interest-Bearing Deposit Share
Current: 32.76% · Tier avg: 21.05%
97
97th pctile
Net Interest Margin
Current: 5.39% · Tier avg: 3.66%