BlastPoint's Banking Scorecard
FNB Community Bank
Micro
Specialty: Commercial
OK
FDIC cert 16127
Designations: ✓ Community bank
Midwest City, OK
2498
banks in Micro tier nationally
121 in OK
View Micro leaderboard (OK) →
FNB Community Bank faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Delinquency Rate 2.81% above tier
- - Nonperforming Asset Ratio 1.74% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$475.3M
+6.3% YoY
+0.8% QoQ
|
+$257.8M |
$217.5M
+2.3% YoY
|
$1.2B
+6.0% YoY
|
$5.9B
+6.5% YoY
|
Top 3% in tier |
| Total Loans ? |
$275.6M
+1.5% YoY
+3.8% QoQ
|
+$136.4M |
$139.2M
+2.8% YoY
|
$796.2M
+5.4% YoY
|
$3.1B
+8.5% YoY
|
Top 11% in tier |
| Total Deposits ? |
$426.4M
+5.7% YoY
+0.8% QoQ
|
+$242.7M |
$183.7M
+1.8% YoY
|
$938.6M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
Top 1% in tier |
| Return on Assets ? |
0.74%
+3.0% YoY
-2.4% QoQ
|
-0.35% |
1.08%
+14.7% YoY
|
1.36%
+10.0% YoY
|
1.12%
+15.6% YoY
|
30% |
| Net Interest Margin ? |
3.63%
+5.6% YoY
+0.3% QoQ
|
-0.22% |
3.85%
+6.6% YoY
|
4.26%
+3.2% YoY
|
3.75%
+7.1% YoY
|
40% |
| Efficiency Ratio ? |
77.77%
-2.0% YoY
-0.1% QoQ
|
+10.04% |
67.73%
-4.8% YoY
|
63.62%
-4.9% YoY
|
65.09%
-5.1% YoY
|
24% |
| Delinquency Rate ? |
3.45%
+11.9% YoY
+1.7% QoQ
|
+2.81% |
0.64%
+24.4% YoY
|
0.95%
+12.2% YoY
|
0.66%
+20.3% YoY
|
Bottom 1% in tier |
| Loan-to-Deposit Ratio ? |
64.63%
-3.9% YoY
+3.0% QoQ
|
-9.89% |
74.53%
+0.5% YoY
|
75.78%
+1.6% YoY
|
78.04%
+0.7% YoY
|
30% |
| Non-Interest-Bearing Deposit Share ? |
26.72%
+0.1% YoY
-0.1% QoQ
|
+4.33% |
22.39%
-1.3% YoY
|
23.21%
-2.4% YoY
|
21.79%
-1.3% YoY
|
69% |
| Nonperforming Asset Ratio ? |
2.19%
+4.5% YoY
+3.2% QoQ
|
+1.74% |
0.45%
+25.1% YoY
|
0.71%
+9.7% YoY
|
0.48%
+20.8% YoY
|
Bottom 6% in tier |
| Tier 1 Capital Ratio ? |
17.74%
+1.6% YoY
-0.5% QoQ
|
+8.89% |
8.85%
-3.4% YoY
|
7.74%
-5.6% YoY
|
9.75%
-1.9% YoY
|
81% |
| Non-Interest Income / Assets ? |
0.56%
-23.3% YoY
+31.2% QoQ
|
0 |
0.56%
+0.3% YoY
|
0.68%
-3.1% YoY
|
0.65%
+0.6% YoY
|
74% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Delinquency Rate
metric
Bottom 1%
in Micro
Why this stands out
Current:
3.45%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 6%
in Micro
Why this stands out
Current:
2.19%
(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
99
99th pctile
Total Deposits
Current: $426.4M · Tier avg: $183.7M
97
97th pctile
Total Assets
Current: $475.3M · Tier avg: $217.5M
89
89th pctile
Total Loans
Current: $275.6M · Tier avg: $139.2M
81
81th pctile
Tier 1 Capital Ratio
Current: 17.74% · Tier avg: 8.85%
74
74th pctile
Non-Interest Income / Assets
Current: 0.56% · Tier avg: 0.56%
69
69th pctile
Non-Interest-Bearing Deposit Share
Current: 26.72% · Tier avg: 22.39%
40
40th pctile
Net Interest Margin
Current: 3.63% · Tier avg: 3.85%
30
30th pctile
Loan-to-Deposit Ratio
Current: 64.63% · Tier avg: 74.53%
30
30th pctile
Return on Assets
Current: 0.74% · Tier avg: 1.08%
24
24th pctile
Efficiency Ratio
Current: 77.77% · Tier avg: 67.73%
6
6th pctile
Nonperforming Asset Ratio
Current: 2.19% · Tier avg: 0.45%
0
0th pctile
Delinquency Rate
Current: 3.45% · Tier avg: 0.64%
Top Weaknesses
0
0th pctile
Delinquency Rate
Current: 3.45% · Tier avg: 0.64%
6
6th pctile
Nonperforming Asset Ratio
Current: 2.19% · Tier avg: 0.45%
24
24th pctile
Efficiency Ratio
Current: 77.77% · Tier avg: 67.73%
30
30th pctile
Return on Assets
Current: 0.74% · Tier avg: 1.08%
30
30th pctile
Loan-to-Deposit Ratio
Current: 64.63% · Tier avg: 74.53%
40
40th pctile
Net Interest Margin
Current: 3.63% · Tier avg: 3.85%
69
69th pctile
Non-Interest-Bearing Deposit Share
Current: 26.72% · Tier avg: 22.39%
74
74th pctile
Non-Interest Income / Assets
Current: 0.56% · Tier avg: 0.56%
81
81th pctile
Tier 1 Capital Ratio
Current: 17.74% · Tier avg: 8.85%
89
89th pctile
Total Loans
Current: $275.6M · Tier avg: $139.2M
97
97th pctile
Total Assets
Current: $475.3M · Tier avg: $217.5M
99
99th pctile
Total Deposits
Current: $426.4M · Tier avg: $183.7M