BlastPoint's Banking Scorecard
First American Bank
Micro
Specialty: Agricultural
OK
FDIC cert 15762
Designations: ✓ Community bank
Stonewall, OK
2498
banks in Micro tier nationally
121 in OK
View Micro leaderboard (OK) →
First American Bank demonstrates 1 strength
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.21% 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 ? |
$34.8M
+3.8% YoY
-1.2% QoQ
|
-$182.7M |
$217.5M
+2.3% YoY
|
$1.2B
+6.0% YoY
|
$5.9B
+6.5% YoY
|
Bottom 4% in tier |
| Total Loans ? |
$21.9M
-10.1% YoY
+1.5% QoQ
|
-$117.3M |
$139.2M
+2.8% YoY
|
$796.2M
+5.4% YoY
|
$3.1B
+8.5% YoY
|
Bottom 8% in tier |
| Total Deposits ? |
$30.1M
+4.1% YoY
-1.4% QoQ
|
-$153.5M |
$183.7M
+1.8% YoY
|
$938.6M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
Bottom 5% in tier |
| Return on Assets ? |
1.35%
-19.0% YoY
+1.6% QoQ
|
+0.27% |
1.08%
+14.7% YoY
|
1.36%
+10.0% YoY
|
1.12%
+15.6% YoY
|
68% |
| Net Interest Margin ? |
5.06%
-7.0% YoY
+0.2% QoQ
|
+1.21% |
3.85%
+6.6% YoY
|
4.26%
+3.2% YoY
|
3.75%
+7.1% YoY
|
Top 8% in tier |
| Efficiency Ratio ? |
71.31%
+10.5% YoY
-1.2% QoQ
|
+3.58% |
67.73%
-4.8% YoY
|
63.62%
-4.9% YoY
|
65.09%
-5.1% YoY
|
37% |
| Delinquency Rate ? |
1.16%
-14.0% QoQ
|
+0.52% |
0.64%
+24.4% YoY
|
0.95%
+12.2% YoY
|
0.66%
+20.3% YoY
|
25% |
| Loan-to-Deposit Ratio ? |
72.61%
-13.7% YoY
+3.0% QoQ
|
-1.92% |
74.53%
+0.5% YoY
|
75.78%
+1.6% YoY
|
78.04%
+0.7% YoY
|
57% |
| Non-Interest-Bearing Deposit Share ? |
22.24%
+1.8% YoY
-8.9% QoQ
|
-0.16% |
22.39%
-1.3% YoY
|
23.21%
-2.4% YoY
|
21.79%
-1.3% YoY
|
52% |
| Nonperforming Asset Ratio ? |
0.83%
+230.2% YoY
-17.9% QoQ
|
+0.38% |
0.45%
+25.1% YoY
|
0.71%
+9.7% YoY
|
0.48%
+20.8% YoY
|
24% |
| 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 ? |
0.37%
-7.3% YoY
+32.2% QoQ
|
-0.19% |
0.56%
+0.3% YoY
|
0.68%
-3.1% YoY
|
0.65%
+0.6% YoY
|
51% |
Signature Analysis
Strengths (1)
Net Interest Margin
metric
Top 8%
in Micro
Why this stands out
Current:
5.06%
(Tier avg: 3.85%, National avg: 3.75%)
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
92
92th pctile
Net Interest Margin
Current: 5.06% · Tier avg: 3.85%
68
68th pctile
Return on Assets
Current: 1.35% · Tier avg: 1.08%
57
57th pctile
Loan-to-Deposit Ratio
Current: 72.61% · Tier avg: 74.53%
52
52th pctile
Non-Interest-Bearing Deposit Share
Current: 22.24% · Tier avg: 22.39%
51
51th pctile
Non-Interest Income / Assets
Current: 0.37% · Tier avg: 0.56%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
37
37th pctile
Efficiency Ratio
Current: 71.31% · Tier avg: 67.73%
25
25th pctile
Delinquency Rate
Current: 1.16% · Tier avg: 0.64%
24
24th pctile
Nonperforming Asset Ratio
Current: 0.83% · Tier avg: 0.45%
8
8th pctile
Total Loans
Current: $21.9M · Tier avg: $139.2M
5
5th pctile
Total Deposits
Current: $30.1M · Tier avg: $183.7M
4
4th pctile
Total Assets
Current: $34.8M · Tier avg: $217.5M
Top Weaknesses
4
4th pctile
Total Assets
Current: $34.8M · Tier avg: $217.5M
5
5th pctile
Total Deposits
Current: $30.1M · Tier avg: $183.7M
8
8th pctile
Total Loans
Current: $21.9M · Tier avg: $139.2M
24
24th pctile
Nonperforming Asset Ratio
Current: 0.83% · Tier avg: 0.45%
25
25th pctile
Delinquency Rate
Current: 1.16% · Tier avg: 0.64%
37
37th pctile
Efficiency Ratio
Current: 71.31% · Tier avg: 67.73%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
51
51th pctile
Non-Interest Income / Assets
Current: 0.37% · Tier avg: 0.56%
52
52th pctile
Non-Interest-Bearing Deposit Share
Current: 22.24% · Tier avg: 22.39%
57
57th pctile
Loan-to-Deposit Ratio
Current: 72.61% · Tier avg: 74.53%
68
68th pctile
Return on Assets
Current: 1.35% · Tier avg: 1.08%
92
92th pctile
Net Interest Margin
Current: 5.06% · Tier avg: 3.85%