BlastPoint's Banking Scorecard
First Bank and Trust Company
Micro
Specialty: Other
OK
FDIC cert 15348
Designations: ✓ Community bank
Clinton, OK
2498
banks in Micro tier nationally
121 in OK
View Micro leaderboard (OK) →
First Bank and Trust Company demonstrates 1 strength
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 15.17% 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 ? |
$54.8M
-5.5% YoY
-3.8% QoQ
|
-$162.7M |
$217.5M
+2.3% YoY
|
$1.2B
+6.0% YoY
|
$5.9B
+6.5% YoY
|
Bottom 8% in tier |
| Total Loans ? |
$20.7M
-1.3% YoY
+4.0% QoQ
|
-$118.5M |
$139.2M
+2.8% YoY
|
$796.2M
+5.4% YoY
|
$3.1B
+8.5% YoY
|
Bottom 7% in tier |
| Total Deposits ? |
$43.4M
-6.6% YoY
-6.4% QoQ
|
-$140.2M |
$183.7M
+1.8% YoY
|
$938.6M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
Bottom 8% in tier |
| Return on Assets ? |
1.92%
-17.4% YoY
+1.7% QoQ
|
+0.83% |
1.08%
+14.7% YoY
|
1.36%
+10.0% YoY
|
1.12%
+15.6% YoY
|
Top 11% in tier |
| Net Interest Margin ? |
4.35%
-5.0% YoY
+0.8% QoQ
|
+0.50% |
3.85%
+6.6% YoY
|
4.26%
+3.2% YoY
|
3.75%
+7.1% YoY
|
74% |
| Efficiency Ratio ? |
57.58%
+10.8% YoY
+0.7% QoQ
|
-10.14% |
67.73%
-4.8% YoY
|
63.62%
-4.9% YoY
|
65.09%
-5.1% YoY
|
74% |
| Delinquency Rate ? |
0.49%
-37.2% YoY
|
-0.15% |
0.64%
+24.4% YoY
|
0.95%
+12.2% YoY
|
0.66%
+20.3% YoY
|
46% |
| Loan-to-Deposit Ratio ? |
47.65%
+5.7% YoY
+11.2% QoQ
|
-26.87% |
74.53%
+0.5% YoY
|
75.78%
+1.6% YoY
|
78.04%
+0.7% YoY
|
Bottom 11% in tier |
| Non-Interest-Bearing Deposit Share ? |
37.57%
-3.0% YoY
-4.7% QoQ
|
+15.17% |
22.39%
-1.3% YoY
|
23.21%
-2.4% YoY
|
21.79%
-1.3% YoY
|
Top 9% in tier |
| Nonperforming Asset Ratio ? |
0.18%
-34.5% YoY
|
-0.27% |
0.45%
+25.1% YoY
|
0.71%
+9.7% YoY
|
0.48%
+20.8% YoY
|
58% |
| 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 ? |
0.32%
-37.0% YoY
+86.8% QoQ
|
-0.24% |
0.56%
+0.3% YoY
|
0.68%
-3.1% YoY
|
0.65%
+0.6% YoY
|
44% |
Signature Analysis
Strengths (1)
Non-Interest-Bearing Deposit Share
metric
Top 9%
in Micro
Why this stands out
Current:
37.57%
(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
91
91th pctile
Non-Interest-Bearing Deposit Share
Current: 37.57% · Tier avg: 22.39%
89
89th pctile
Return on Assets
Current: 1.92% · Tier avg: 1.08%
74
74th pctile
Net Interest Margin
Current: 4.35% · Tier avg: 3.85%
74
74th pctile
Efficiency Ratio
Current: 57.58% · Tier avg: 67.73%
58
58th pctile
Nonperforming Asset Ratio
Current: 0.18% · Tier avg: 0.45%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
46
46th pctile
Delinquency Rate
Current: 0.49% · Tier avg: 0.64%
44
44th pctile
Non-Interest Income / Assets
Current: 0.32% · Tier avg: 0.56%
11
11th pctile
Loan-to-Deposit Ratio
Current: 47.65% · Tier avg: 74.53%
8
8th pctile
Total Assets
Current: $54.8M · Tier avg: $217.5M
8
8th pctile
Total Deposits
Current: $43.4M · Tier avg: $183.7M
7
7th pctile
Total Loans
Current: $20.7M · Tier avg: $139.2M
Top Weaknesses
7
7th pctile
Total Loans
Current: $20.7M · Tier avg: $139.2M
8
8th pctile
Total Deposits
Current: $43.4M · Tier avg: $183.7M
8
8th pctile
Total Assets
Current: $54.8M · Tier avg: $217.5M
11
11th pctile
Loan-to-Deposit Ratio
Current: 47.65% · Tier avg: 74.53%
44
44th pctile
Non-Interest Income / Assets
Current: 0.32% · Tier avg: 0.56%
46
46th pctile
Delinquency Rate
Current: 0.49% · Tier avg: 0.64%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
58
58th pctile
Nonperforming Asset Ratio
Current: 0.18% · Tier avg: 0.45%
74
74th pctile
Efficiency Ratio
Current: 57.58% · Tier avg: 67.73%
74
74th pctile
Net Interest Margin
Current: 4.35% · Tier avg: 3.85%
89
89th pctile
Return on Assets
Current: 1.92% · Tier avg: 1.08%
91
91th pctile
Non-Interest-Bearing Deposit Share
Current: 37.57% · Tier avg: 22.39%