BlastPoint's Banking Scorecard
Firstar Bank
Community
Specialty: Commercial
OK
FDIC cert 19288
Sallisaw, OK
1484
banks in Community tier nationally
45 in OK
View Community leaderboard (OK) →
Firstar Bank has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 3% in Community
- + Net Interest Margin 1.74% above tier
- + Efficiency Ratio 17.98% below tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 30% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.1B
+10.8% YoY
+1.2% QoQ
|
-$281.7M |
$1.4B
+2.0% YoY
|
$1.2B
+6.0% YoY
|
$5.9B
+6.5% YoY
|
56% |
| Total Loans ? |
$884.3M
+7.3% YoY
+3.0% QoQ
|
-$91.1M |
$975.5M
+2.4% YoY
|
$796.2M
+5.4% YoY
|
$3.1B
+8.5% YoY
|
63% |
| Total Deposits ? |
$961.5M
+10.7% YoY
+0.2% QoQ
|
-$203.1M |
$1.2B
+1.7% YoY
|
$938.6M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
57% |
| Return on Assets ? |
2.29%
+69.2% YoY
+37.4% QoQ
|
+1.13% |
1.16%
+17.2% YoY
|
1.36%
+10.0% YoY
|
1.12%
+15.6% YoY
|
Top 5% in tier |
| Net Interest Margin ? |
5.40%
+10.6% YoY
+0.6% QoQ
|
+1.74% |
3.66%
+9.1% YoY
|
4.26%
+3.2% YoY
|
3.75%
+7.1% YoY
|
Top 3% in tier |
| Efficiency Ratio ? |
44.65%
-31.4% YoY
-24.7% QoQ
|
-17.98% |
62.63%
-5.3% YoY
|
63.62%
-4.9% YoY
|
65.09%
-5.1% YoY
|
Top 8% in tier |
| Delinquency Rate ? |
0.48%
+270.5% YoY
-1.8% QoQ
|
-0.14% |
0.63%
+18.3% YoY
|
0.95%
+12.2% YoY
|
0.66%
+20.3% YoY
|
48% |
| Loan-to-Deposit Ratio ? |
91.97%
-3.1% YoY
+2.8% QoQ
|
+8.91% |
83.06%
+0.3% YoY
|
75.78%
+1.6% YoY
|
78.04%
+0.7% YoY
|
30% |
| Non-Interest-Bearing Deposit Share ? |
23.19%
-15.5% YoY
-3.1% QoQ
|
+2.14% |
21.05%
-0.9% YoY
|
23.21%
-2.4% YoY
|
21.79%
-1.3% YoY
|
63% |
| Nonperforming Asset Ratio ? |
0.59%
+45.9% YoY
+7.6% QoQ
|
+0.09% |
0.50%
+20.3% YoY
|
0.71%
+9.7% YoY
|
0.48%
+20.8% YoY
|
34% |
| Tier 1 Capital Ratio ? |
11.37%
+1.0% YoY
-3.0% QoQ
|
+1.12% |
10.24%
-0.6% YoY
|
7.74%
-5.6% YoY
|
9.75%
-1.9% YoY
|
40% |
| Non-Interest Income / Assets ? |
0.69%
-35.7% YoY
+31.8% QoQ
|
-0.05% |
0.74%
-1.3% YoY
|
0.68%
-3.1% YoY
|
0.65%
+0.6% YoY
|
69% |
Signature Analysis
Strengths (3)
Profitability Leader
growth
#12 of 371 · Top 3% in Community
Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Why this signature
Return on Assets:
2.29%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
444 nationally
→ Stable
+5 banks QoQ
|
QoQ rank improving
Net Interest Margin
metric
Top 3%
in Community
Why this stands out
Current:
5.40%
(Tier avg: 3.66%, National avg: 3.75%)
Efficiency Ratio
metric
Top 8%
in Community
Why this stands out
Current:
44.65%
(Tier avg: 62.63%, National avg: 65.09%)
Concerns (1)
Liquidity Strain
risk
#157 of 513 · Bottom 30% 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:
91.97%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
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
97
97th pctile
Net Interest Margin
Current: 5.40% · Tier avg: 3.66%
95
95th pctile
Return on Assets
Current: 2.29% · Tier avg: 1.16%
92
92th pctile
Efficiency Ratio
Current: 44.65% · Tier avg: 62.63%
69
69th pctile
Non-Interest Income / Assets
Current: 0.69% · Tier avg: 0.74%
63
63th pctile
Non-Interest-Bearing Deposit Share
Current: 23.19% · Tier avg: 21.05%
63
63th pctile
Total Loans
Current: $884.3M · Tier avg: $975.5M
57
57th pctile
Total Deposits
Current: $961.5M · Tier avg: $1.2B
56
56th pctile
Total Assets
Current: $1.1B · Tier avg: $1.4B
48
48th pctile
Delinquency Rate
Current: 0.48% · Tier avg: 0.63%
40
40th pctile
Tier 1 Capital Ratio
Current: 11.37% · Tier avg: 10.24%
34
34th pctile
Nonperforming Asset Ratio
Current: 0.59% · Tier avg: 0.50%
30
30th pctile
Loan-to-Deposit Ratio
Current: 91.97% · Tier avg: 83.06%
Top Weaknesses
30
30th pctile
Loan-to-Deposit Ratio
Current: 91.97% · Tier avg: 83.06%
34
34th pctile
Nonperforming Asset Ratio
Current: 0.59% · Tier avg: 0.50%
40
40th pctile
Tier 1 Capital Ratio
Current: 11.37% · Tier avg: 10.24%
48
48th pctile
Delinquency Rate
Current: 0.48% · Tier avg: 0.63%
56
56th pctile
Total Assets
Current: $1.1B · Tier avg: $1.4B
57
57th pctile
Total Deposits
Current: $961.5M · Tier avg: $1.2B
63
63th pctile
Total Loans
Current: $884.3M · Tier avg: $975.5M
63
63th pctile
Non-Interest-Bearing Deposit Share
Current: 23.19% · Tier avg: 21.05%
69
69th pctile
Non-Interest Income / Assets
Current: 0.69% · Tier avg: 0.74%
92
92th pctile
Efficiency Ratio
Current: 44.65% · Tier avg: 62.63%
95
95th pctile
Return on Assets
Current: 2.29% · Tier avg: 1.16%
97
97th pctile
Net Interest Margin
Current: 5.40% · Tier avg: 3.66%