BlastPoint's Banking Scorecard
First State Bank
Micro
Specialty: Commercial
OK
FDIC cert 22448
Designations: ✓ Community bank
Tahlequah, OK
2498
banks in Micro tier nationally
121 in OK
View Micro leaderboard (OK) →
First State 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 1.79% above tier
- - Nonperforming Asset Ratio 1.69% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$80.8M
-6.1% YoY
-0.4% QoQ
|
-$136.7M |
$217.5M
+2.3% YoY
|
$1.2B
+6.0% YoY
|
$5.9B
+6.5% YoY
|
16% |
| Total Loans ? |
$49.7M
-0.4% YoY
+3.8% QoQ
|
-$89.5M |
$139.2M
+2.8% YoY
|
$796.2M
+5.4% YoY
|
$3.1B
+8.5% YoY
|
20% |
| Total Deposits ? |
$71.2M
-10.3% YoY
-2.7% QoQ
|
-$112.4M |
$183.7M
+1.8% YoY
|
$938.6M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
18% |
| Return on Assets ? |
0.58%
+169.1% YoY
-22.6% QoQ
|
-0.50% |
1.08%
+14.7% YoY
|
1.36%
+10.0% YoY
|
1.12%
+15.6% YoY
|
21% |
| Net Interest Margin ? |
3.37%
+4.1% YoY
+0.9% QoQ
|
-0.48% |
3.85%
+6.6% YoY
|
4.26%
+3.2% YoY
|
3.75%
+7.1% YoY
|
28% |
| Efficiency Ratio ? |
81.23%
-8.1% YoY
+4.4% QoQ
|
+13.51% |
67.73%
-4.8% YoY
|
63.62%
-4.9% YoY
|
65.09%
-5.1% YoY
|
19% |
| Delinquency Rate ? |
2.43%
-16.2% YoY
+152.3% QoQ
|
+1.79% |
0.64%
+24.4% YoY
|
0.95%
+12.2% YoY
|
0.66%
+20.3% YoY
|
Bottom 10% in tier |
| Loan-to-Deposit Ratio ? |
69.73%
+11.0% YoY
+6.7% QoQ
|
-4.80% |
74.53%
+0.5% YoY
|
75.78%
+1.6% YoY
|
78.04%
+0.7% YoY
|
62% |
| Non-Interest-Bearing Deposit Share ? |
17.49%
-0.5% YoY
+0.5% QoQ
|
-4.90% |
22.39%
-1.3% YoY
|
23.21%
-2.4% YoY
|
21.79%
-1.3% YoY
|
32% |
| Nonperforming Asset Ratio ? |
2.14%
+22.2% YoY
+72.6% QoQ
|
+1.69% |
0.45%
+25.1% YoY
|
0.71%
+9.7% YoY
|
0.48%
+20.8% YoY
|
Bottom 6% in tier |
| 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 ? |
0.60%
+12.6% YoY
+17.5% QoQ
|
+0.03% |
0.56%
+0.3% YoY
|
0.68%
-3.1% YoY
|
0.65%
+0.6% YoY
|
76% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Delinquency Rate
metric
Bottom 10%
in Micro
Why this stands out
Current:
2.43%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 6%
in Micro
Why this stands out
Current:
2.14%
(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
76
76th pctile
Non-Interest Income / Assets
Current: 0.60% · Tier avg: 0.56%
62
62th pctile
Loan-to-Deposit Ratio
Current: 69.73% · Tier avg: 74.53%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
32
32th pctile
Non-Interest-Bearing Deposit Share
Current: 17.49% · Tier avg: 22.39%
28
28th pctile
Net Interest Margin
Current: 3.37% · Tier avg: 3.85%
21
21th pctile
Return on Assets
Current: 0.58% · Tier avg: 1.08%
20
20th pctile
Total Loans
Current: $49.7M · Tier avg: $139.2M
19
19th pctile
Efficiency Ratio
Current: 81.23% · Tier avg: 67.73%
18
18th pctile
Total Deposits
Current: $71.2M · Tier avg: $183.7M
16
16th pctile
Total Assets
Current: $80.8M · Tier avg: $217.5M
10
10th pctile
Delinquency Rate
Current: 2.43% · Tier avg: 0.64%
6
6th pctile
Nonperforming Asset Ratio
Current: 2.14% · Tier avg: 0.45%
Top Weaknesses
6
6th pctile
Nonperforming Asset Ratio
Current: 2.14% · Tier avg: 0.45%
10
10th pctile
Delinquency Rate
Current: 2.43% · Tier avg: 0.64%
16
16th pctile
Total Assets
Current: $80.8M · Tier avg: $217.5M
18
18th pctile
Total Deposits
Current: $71.2M · Tier avg: $183.7M
19
19th pctile
Efficiency Ratio
Current: 81.23% · Tier avg: 67.73%
20
20th pctile
Total Loans
Current: $49.7M · Tier avg: $139.2M
21
21th pctile
Return on Assets
Current: 0.58% · Tier avg: 1.08%
28
28th pctile
Net Interest Margin
Current: 3.37% · Tier avg: 3.85%
32
32th pctile
Non-Interest-Bearing Deposit Share
Current: 17.49% · Tier avg: 22.39%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
62
62th pctile
Loan-to-Deposit Ratio
Current: 69.73% · Tier avg: 74.53%
76
76th pctile
Non-Interest Income / Assets
Current: 0.60% · Tier avg: 0.56%