BlastPoint's Banking Scorecard
First Bank of Owasso
Community
Specialty: Commercial
OK
FDIC cert 18592
Owasso, OK
1484
banks in Community tier nationally
45 in OK
View Community leaderboard (OK) →
First Bank of Owasso has 6 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 50% in Community
- + Return on Assets 1.98% above tier
- + Net Interest Margin 1.43% above tier
- + Efficiency Ratio 21.23% below tier
- + Nonperforming Asset Ratio 0.49% below tier
- + Tier 1 Capital Ratio 8.36% above tier
Key Concerns
Areas that may need attention
- - Cost Spiral: Bottom 10% in Community
- - Liquidity Overhang: Bottom 22% in Community
- - Liquidity Strain: Bottom 34% in Community
- - Margin Compression: Bottom 61% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$584.5M
+4.4% YoY
-1.4% QoQ
|
-$807.0M |
$1.4B
+2.0% YoY
|
$1.2B
+6.0% YoY
|
$5.9B
+6.5% YoY
|
Bottom 12% in tier |
| Total Loans ? |
$463.8M
+5.7% YoY
+2.3% QoQ
|
-$511.7M |
$975.5M
+2.4% YoY
|
$796.2M
+5.4% YoY
|
$3.1B
+8.5% YoY
|
25% |
| Total Deposits ? |
$486.6M
+6.9% YoY
-2.3% QoQ
|
-$678.1M |
$1.2B
+1.7% YoY
|
$938.6M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
Bottom 11% in tier |
| Return on Assets ? |
3.15%
-22.7% YoY
+1.1% QoQ
|
+1.98% |
1.16%
+17.2% YoY
|
1.36%
+10.0% YoY
|
1.12%
+15.6% YoY
|
Top 1% in tier |
| Net Interest Margin ? |
5.10%
-14.1% YoY
+0.9% QoQ
|
+1.43% |
3.66%
+9.1% YoY
|
4.26%
+3.2% YoY
|
3.75%
+7.1% YoY
|
Top 5% in tier |
| Efficiency Ratio ? |
41.40%
+14.6% YoY
+0.4% QoQ
|
-21.23% |
62.63%
-5.3% YoY
|
63.62%
-4.9% YoY
|
65.09%
-5.1% YoY
|
Top 6% in tier |
| Delinquency Rate ? |
0.01%
-24.3% YoY
-21.8% QoQ
|
-0.61% |
0.63%
+18.3% YoY
|
0.95%
+12.2% YoY
|
0.66%
+20.3% YoY
|
Top 7% in tier |
| Loan-to-Deposit Ratio ? |
95.33%
-1.1% YoY
+4.7% QoQ
|
+12.26% |
83.06%
+0.3% YoY
|
75.78%
+1.6% YoY
|
78.04%
+0.7% YoY
|
22% |
| Non-Interest-Bearing Deposit Share ? |
20.79%
-11.9% YoY
+1.3% QoQ
|
-0.25% |
21.05%
-0.9% YoY
|
23.21%
-2.4% YoY
|
21.79%
-1.3% YoY
|
54% |
| Nonperforming Asset Ratio ? |
0.01%
-23.4% YoY
-18.9% QoQ
|
-0.49% |
0.50%
+20.3% YoY
|
0.71%
+9.7% YoY
|
0.48%
+20.8% YoY
|
Top 7% in tier |
| Tier 1 Capital Ratio ? |
18.61%
-1.0% YoY
+0.5% QoQ
|
+8.36% |
10.24%
-0.6% YoY
|
7.74%
-5.6% YoY
|
9.75%
-1.9% YoY
|
Top 10% in tier |
| Non-Interest Income / Assets ? |
0.62%
-1.3% YoY
+42.2% QoQ
|
-0.12% |
0.74%
-1.3% YoY
|
0.68%
-3.1% YoY
|
0.65%
+0.6% YoY
|
63% |
Signature Analysis
Strengths (6)
Credit Quality Leader
growth
#185 of 371 · Top 50% in Community
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why this signature
Delinquency Rate:
0.01%
(Tier: 0.63%, National: 0.66%)
371 of 371 Community banks match
·
443 nationally
→ Stable
+6 banks QoQ
|
QoQ rank improving
Return on Assets
metric
Top 1%
in Community
Why this stands out
Current:
3.15%
(Tier avg: 1.16%, National avg: 1.12%)
Net Interest Margin
metric
Top 5%
in Community
Why this stands out
Current:
5.10%
(Tier avg: 3.66%, National avg: 3.75%)
Efficiency Ratio
metric
Top 6%
in Community
Why this stands out
Current:
41.40%
(Tier avg: 62.63%, National avg: 65.09%)
Nonperforming Asset Ratio
metric
Top 7%
in Community
Why this stands out
Current:
0.01%
(Tier avg: 0.50%, National avg: 0.48%)
Tier 1 Capital Ratio
metric
Top 10%
in Community
Why this stands out
Current:
18.61%
(Tier avg: 10.24%, National avg: 9.75%)
Concerns (4)
Cost Spiral
risk
#5 of 40 · Bottom 10% in Community
Historically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.
Why this signature
Efficiency Ratio:
41.40%
(Tier: 62.63%, National: 65.09%)
40 of 40 Community banks match
·
50 nationally
↓ Shrinking
-10 banks QoQ
|
QoQ rank declining
Liquidity Overhang
risk
#61 of 268 · Bottom 22% in Community
Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Why this signature
Tier 1 Risk-Based Capital Ratio:
18.61%
(Tier: 10.24%, National: 9.75%)
Loan-to-Deposit Ratio:
95.33%
(Tier: 83.06%, National: 78.04%)
268 of 268 Community banks match
·
314 nationally
→ Stable
+6 banks QoQ
|
QoQ rank improving
Liquidity Strain
risk
#175 of 513 · Bottom 34% in Community
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
95.33%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank improving
Margin Compression
decline
#74 of 120 · Bottom 61% in Community
Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Why this signature
Return on Assets:
3.15%
(Tier: 1.16%, National: 1.12%)
120 of 120 Community banks match
·
147 nationally
→ Stable
-9 banks QoQ
|
QoQ rank improving
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
Return on Assets
Current: 3.15% · Tier avg: 1.16%
95
95th pctile
Net Interest Margin
Current: 5.10% · Tier avg: 3.66%
94
94th pctile
Efficiency Ratio
Current: 41.40% · Tier avg: 62.63%
93
93th pctile
Nonperforming Asset Ratio
Current: 0.01% · Tier avg: 0.50%
93
93th pctile
Delinquency Rate
Current: 0.01% · Tier avg: 0.63%
90
90th pctile
Tier 1 Capital Ratio
Current: 18.61% · Tier avg: 10.24%
63
63th pctile
Non-Interest Income / Assets
Current: 0.62% · Tier avg: 0.74%
54
54th pctile
Non-Interest-Bearing Deposit Share
Current: 20.79% · Tier avg: 21.05%
25
25th pctile
Total Loans
Current: $463.8M · Tier avg: $975.5M
22
22th pctile
Loan-to-Deposit Ratio
Current: 95.33% · Tier avg: 83.06%
12
12th pctile
Total Assets
Current: $584.5M · Tier avg: $1.4B
11
11th pctile
Total Deposits
Current: $486.6M · Tier avg: $1.2B
Top Weaknesses
11
11th pctile
Total Deposits
Current: $486.6M · Tier avg: $1.2B
12
12th pctile
Total Assets
Current: $584.5M · Tier avg: $1.4B
22
22th pctile
Loan-to-Deposit Ratio
Current: 95.33% · Tier avg: 83.06%
25
25th pctile
Total Loans
Current: $463.8M · Tier avg: $975.5M
54
54th pctile
Non-Interest-Bearing Deposit Share
Current: 20.79% · Tier avg: 21.05%
63
63th pctile
Non-Interest Income / Assets
Current: 0.62% · Tier avg: 0.74%
90
90th pctile
Tier 1 Capital Ratio
Current: 18.61% · Tier avg: 10.24%
93
93th pctile
Delinquency Rate
Current: 0.01% · Tier avg: 0.63%
93
93th pctile
Nonperforming Asset Ratio
Current: 0.01% · Tier avg: 0.50%
94
94th pctile
Efficiency Ratio
Current: 41.40% · Tier avg: 62.63%
95
95th pctile
Net Interest Margin
Current: 5.10% · Tier avg: 3.66%
99
99th pctile
Return on Assets
Current: 3.15% · Tier avg: 1.16%