BlastPoint's Banking Scorecard
First Security Bank and Trust Company
Micro
Specialty: Commercial
OK
FDIC cert 17001
Designations: ✓ Community bank
Oklahoma City, OK
2498
banks in Micro tier nationally
121 in OK
View Micro leaderboard (OK) →
First Security Bank and Trust Company faces 4 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 6.67% above tier
- - Loan-to-Deposit Ratio 27.39% above tier
- - Non-Interest-Bearing Deposit Share 14.41% below tier
- - Nonperforming Asset Ratio 5.66% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$255.1M
+46.0% YoY
+4.2% QoQ
|
+$37.6M |
$217.5M
+2.3% YoY
|
$1.2B
+6.0% YoY
|
$5.9B
+6.5% YoY
|
63% |
| Total Loans ? |
$213.4M
+36.5% YoY
-0.3% QoQ
|
+$74.2M |
$139.2M
+2.8% YoY
|
$796.2M
+5.4% YoY
|
$3.1B
+8.5% YoY
|
77% |
| Total Deposits ? |
$209.4M
+96.0% YoY
+7.4% QoQ
|
+$25.7M |
$183.7M
+1.8% YoY
|
$938.6M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
62% |
| Return on Assets ? |
1.25%
-29.7% YoY
+19.3% QoQ
|
+0.17% |
1.08%
+14.7% YoY
|
1.36%
+10.0% YoY
|
1.12%
+15.6% YoY
|
62% |
| Net Interest Margin ? |
4.66%
-20.5% YoY
-3.3% QoQ
|
+0.80% |
3.85%
+6.6% YoY
|
4.26%
+3.2% YoY
|
3.75%
+7.1% YoY
|
83% |
| Efficiency Ratio ? |
56.60%
+1.2% YoY
+2.7% QoQ
|
-11.13% |
67.73%
-4.8% YoY
|
63.62%
-4.9% YoY
|
65.09%
-5.1% YoY
|
77% |
| Delinquency Rate ? |
7.31%
+291.0% YoY
-7.3% QoQ
|
+6.67% |
0.64%
+24.4% YoY
|
0.95%
+12.2% YoY
|
0.66%
+20.3% YoY
|
Bottom 1% in tier |
| Loan-to-Deposit Ratio ? |
101.92%
-30.3% YoY
-7.1% QoQ
|
+27.39% |
74.53%
+0.5% YoY
|
75.78%
+1.6% YoY
|
78.04%
+0.7% YoY
|
Bottom 7% in tier |
| Non-Interest-Bearing Deposit Share ? |
7.99%
-53.9% YoY
-17.3% QoQ
|
-14.41% |
22.39%
-1.3% YoY
|
23.21%
-2.4% YoY
|
21.79%
-1.3% YoY
|
Bottom 9% in tier |
| Nonperforming Asset Ratio ? |
6.11%
+265.6% YoY
-11.4% QoQ
|
+5.66% |
0.45%
+25.1% YoY
|
0.71%
+9.7% YoY
|
0.48%
+20.8% YoY
|
Bottom 1% in tier |
| Tier 1 Capital Ratio ? |
0.00%
-100.0% YoY
-100.0% QoQ
|
-8.85% |
8.85%
-3.4% YoY
|
7.74%
-5.6% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.44%
-4.1% YoY
+28.7% QoQ
|
-0.13% |
0.56%
+0.3% YoY
|
0.68%
-3.1% YoY
|
0.65%
+0.6% YoY
|
61% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (4)
Delinquency Rate
metric
Bottom 1%
in Micro
Why this stands out
Current:
7.31%
(Tier avg: 0.64%, National avg: 0.66%)
Loan-to-Deposit Ratio
metric
Bottom 7%
in Micro
Why this stands out
Current:
101.92%
(Tier avg: 74.53%, National avg: 78.04%)
Non-Interest-Bearing Deposit Share
metric
Bottom 9%
in Micro
Why this stands out
Current:
7.99%
(Tier avg: 22.39%, National avg: 21.79%)
Nonperforming Asset Ratio
metric
Bottom 1%
in Micro
Why this stands out
Current:
6.11%
(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
83
83th pctile
Net Interest Margin
Current: 4.66% · Tier avg: 3.85%
77
77th pctile
Total Loans
Current: $213.4M · Tier avg: $139.2M
77
77th pctile
Efficiency Ratio
Current: 56.60% · Tier avg: 67.73%
63
63th pctile
Total Assets
Current: $255.1M · Tier avg: $217.5M
62
62th pctile
Return on Assets
Current: 1.25% · Tier avg: 1.08%
62
62th pctile
Total Deposits
Current: $209.4M · Tier avg: $183.7M
61
61th pctile
Non-Interest Income / Assets
Current: 0.44% · Tier avg: 0.56%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
9
9th pctile
Non-Interest-Bearing Deposit Share
Current: 7.99% · Tier avg: 22.39%
7
7th pctile
Loan-to-Deposit Ratio
Current: 101.92% · Tier avg: 74.53%
0
0th pctile
Delinquency Rate
Current: 7.31% · Tier avg: 0.64%
0
0th pctile
Nonperforming Asset Ratio
Current: 6.11% · Tier avg: 0.45%
Top Weaknesses
0
0th pctile
Nonperforming Asset Ratio
Current: 6.11% · Tier avg: 0.45%
0
0th pctile
Delinquency Rate
Current: 7.31% · Tier avg: 0.64%
7
7th pctile
Loan-to-Deposit Ratio
Current: 101.92% · Tier avg: 74.53%
9
9th pctile
Non-Interest-Bearing Deposit Share
Current: 7.99% · Tier avg: 22.39%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
61
61th pctile
Non-Interest Income / Assets
Current: 0.44% · Tier avg: 0.56%
62
62th pctile
Total Deposits
Current: $209.4M · Tier avg: $183.7M
62
62th pctile
Return on Assets
Current: 1.25% · Tier avg: 1.08%
63
63th pctile
Total Assets
Current: $255.1M · Tier avg: $217.5M
77
77th pctile
Efficiency Ratio
Current: 56.60% · Tier avg: 67.73%
77
77th pctile
Total Loans
Current: $213.4M · Tier avg: $139.2M
83
83th pctile
Net Interest Margin
Current: 4.66% · Tier avg: 3.85%