BlastPoint's Banking Scorecard
FSNB, National Association
Micro
Specialty: Other
OK
FDIC cert 16416
Designations: ✓ Community bank
Lawton, OK
2498
banks in Micro tier nationally
121 in OK
View Micro leaderboard (OK) →
FSNB, National Association has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 2.73% above tier
- + Loan-to-Deposit Ratio 38.17% below tier
- + Non-Interest Income / Assets 8.35% above tier
Key Concerns
Areas that may need attention
- - Non-Interest-Bearing Deposit Share 17.60% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$478.8M
+3.4% YoY
+1.1% QoQ
|
+$261.3M |
$217.5M
+2.3% YoY
|
$1.2B
+6.0% YoY
|
$5.9B
+6.5% YoY
|
Top 3% in tier |
| Total Loans ? |
$139.8M
-9.8% YoY
-5.6% QoQ
|
+$628K |
$139.2M
+2.8% YoY
|
$796.2M
+5.4% YoY
|
$3.1B
+8.5% YoY
|
57% |
| Total Deposits ? |
$384.6M
+2.6% YoY
+6.4% QoQ
|
+$200.9M |
$183.7M
+1.8% YoY
|
$938.6M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
Top 5% in tier |
| Return on Assets ? |
3.82%
+21.3% YoY
+6.6% QoQ
|
+2.73% |
1.08%
+14.7% YoY
|
1.36%
+10.0% YoY
|
1.12%
+15.6% YoY
|
Top 1% in tier |
| Net Interest Margin ? |
3.77%
-0.4% YoY
-0.6% QoQ
|
-0.08% |
3.85%
+6.6% YoY
|
4.26%
+3.2% YoY
|
3.75%
+7.1% YoY
|
48% |
| Efficiency Ratio ? |
69.33%
-6.9% YoY
-3.5% QoQ
|
+1.60% |
67.73%
-4.8% YoY
|
63.62%
-4.9% YoY
|
65.09%
-5.1% YoY
|
42% |
| Delinquency Rate ? |
0.33%
-16.0% YoY
+20.2% QoQ
|
-0.31% |
0.64%
+24.4% YoY
|
0.95%
+12.2% YoY
|
0.66%
+20.3% YoY
|
54% |
| Loan-to-Deposit Ratio ? |
36.35%
-12.1% YoY
-11.2% QoQ
|
-38.17% |
74.53%
+0.5% YoY
|
75.78%
+1.6% YoY
|
78.04%
+0.7% YoY
|
Top 4% in tier |
| Non-Interest-Bearing Deposit Share ? |
4.80%
+1.6% YoY
+6.3% QoQ
|
-17.60% |
22.39%
-1.3% YoY
|
23.21%
-2.4% YoY
|
21.79%
-1.3% YoY
|
Bottom 5% in tier |
| Nonperforming Asset Ratio ? |
0.73%
-7.2% YoY
+0.5% QoQ
|
+0.28% |
0.45%
+25.1% YoY
|
0.71%
+9.7% YoY
|
0.48%
+20.8% YoY
|
27% |
| 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 ? |
8.91%
-4.7% YoY
+32.0% QoQ
|
+8.35% |
0.56%
+0.3% YoY
|
0.68%
-3.1% YoY
|
0.65%
+0.6% YoY
|
Top 1% in tier |
Signature Analysis
Strengths (3)
Return on Assets
metric
Top 1%
in Micro
Why this stands out
Current:
3.82%
(Tier avg: 1.08%, National avg: 1.12%)
Loan-to-Deposit Ratio
metric
Top 4%
in Micro
Why this stands out
Current:
36.35%
(Tier avg: 74.53%, National avg: 78.04%)
Non-Interest Income / Assets
metric
Top 1%
in Micro
Why this stands out
Current:
8.91%
(Tier avg: 0.56%, National avg: 0.65%)
Concerns (1)
Non-Interest-Bearing Deposit Share
metric
Bottom 5%
in Micro
Why this stands out
Current:
4.80%
(Tier avg: 22.39%, National avg: 21.79%)
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
100
100th pctile
Non-Interest Income / Assets
Current: 8.91% · Tier avg: 0.56%
99
99th pctile
Return on Assets
Current: 3.82% · Tier avg: 1.08%
97
97th pctile
Total Assets
Current: $478.8M · Tier avg: $217.5M
96
96th pctile
Loan-to-Deposit Ratio
Current: 36.35% · Tier avg: 74.53%
95
95th pctile
Total Deposits
Current: $384.6M · Tier avg: $183.7M
57
57th pctile
Total Loans
Current: $139.8M · Tier avg: $139.2M
54
54th pctile
Delinquency Rate
Current: 0.33% · Tier avg: 0.64%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
48
48th pctile
Net Interest Margin
Current: 3.77% · Tier avg: 3.85%
42
42th pctile
Efficiency Ratio
Current: 69.33% · Tier avg: 67.73%
27
27th pctile
Nonperforming Asset Ratio
Current: 0.73% · Tier avg: 0.45%
5
5th pctile
Non-Interest-Bearing Deposit Share
Current: 4.80% · Tier avg: 22.39%
Top Weaknesses
5
5th pctile
Non-Interest-Bearing Deposit Share
Current: 4.80% · Tier avg: 22.39%
27
27th pctile
Nonperforming Asset Ratio
Current: 0.73% · Tier avg: 0.45%
42
42th pctile
Efficiency Ratio
Current: 69.33% · Tier avg: 67.73%
48
48th pctile
Net Interest Margin
Current: 3.77% · Tier avg: 3.85%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
54
54th pctile
Delinquency Rate
Current: 0.33% · Tier avg: 0.64%
57
57th pctile
Total Loans
Current: $139.8M · Tier avg: $139.2M
95
95th pctile
Total Deposits
Current: $384.6M · Tier avg: $183.7M
96
96th pctile
Loan-to-Deposit Ratio
Current: 36.35% · Tier avg: 74.53%
97
97th pctile
Total Assets
Current: $478.8M · Tier avg: $217.5M
99
99th pctile
Return on Assets
Current: 3.82% · Tier avg: 1.08%
100
100th pctile
Non-Interest Income / Assets
Current: 8.91% · Tier avg: 0.56%