BlastPoint's Banking Scorecard
The First State Bank
Micro
Specialty: Agricultural
OK
FDIC cert 2301
Designations: ✓ Community bank
Boise City, OK
2498
banks in Micro tier nationally
121 in OK
View Micro leaderboard (OK) →
The First State Bank shows strong momentum with 2 strengths and 12.8% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 1.37% above tier
- + Efficiency Ratio 30.16% below tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$166.8M
+12.8% YoY
+8.2% QoQ
|
-$50.6M |
$217.5M
+2.3% YoY
|
$1.2B
+6.0% YoY
|
$5.9B
+6.5% YoY
|
42% |
| Total Loans ? |
$130.4M
+5.5% YoY
+2.1% QoQ
|
-$8.8M |
$139.2M
+2.8% YoY
|
$796.2M
+5.4% YoY
|
$3.1B
+8.5% YoY
|
53% |
| Total Deposits ? |
$143.1M
+10.1% YoY
+7.1% QoQ
|
-$40.6M |
$183.7M
+1.8% YoY
|
$938.6M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
43% |
| Return on Assets ? |
2.45%
+19.8% YoY
-7.2% QoQ
|
+1.37% |
1.08%
+14.7% YoY
|
1.36%
+10.0% YoY
|
1.12%
+15.6% YoY
|
Top 4% in tier |
| Net Interest Margin ? |
4.37%
+1.2% YoY
-1.2% QoQ
|
+0.52% |
3.85%
+6.6% YoY
|
4.26%
+3.2% YoY
|
3.75%
+7.1% YoY
|
75% |
| Efficiency Ratio ? |
37.57%
-23.8% YoY
+8.1% QoQ
|
-30.16% |
67.73%
-4.8% YoY
|
63.62%
-4.9% YoY
|
65.09%
-5.1% YoY
|
Top 1% in tier |
| Delinquency Rate ? |
0.26%
+303.8% YoY
-13.1% QoQ
|
-0.38% |
0.64%
+24.4% YoY
|
0.95%
+12.2% YoY
|
0.66%
+20.3% YoY
|
57% |
| Loan-to-Deposit Ratio ? |
91.13%
-4.2% YoY
-4.7% QoQ
|
+16.61% |
74.53%
+0.5% YoY
|
75.78%
+1.6% YoY
|
78.04%
+0.7% YoY
|
21% |
| Non-Interest-Bearing Deposit Share ? |
21.83%
-3.4% YoY
-3.3% QoQ
|
-0.57% |
22.39%
-1.3% YoY
|
23.21%
-2.4% YoY
|
21.79%
-1.3% YoY
|
51% |
| Nonperforming Asset Ratio ? |
0.21%
+286.5% YoY
-16.1% QoQ
|
-0.24% |
0.45%
+25.1% YoY
|
0.71%
+9.7% YoY
|
0.48%
+20.8% YoY
|
56% |
| 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 ? |
0.20%
-3.7% YoY
+24.7% QoQ
|
-0.36% |
0.56%
+0.3% YoY
|
0.68%
-3.1% YoY
|
0.65%
+0.6% YoY
|
24% |
Signature Analysis
Strengths (2)
Return on Assets
metric
Top 4%
in Micro
Why this stands out
Current:
2.45%
(Tier avg: 1.08%, National avg: 1.12%)
Efficiency Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
37.57%
(Tier avg: 67.73%, National avg: 65.09%)
Concerns (0)
No concerns identified
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
Efficiency Ratio
Current: 37.57% · Tier avg: 67.73%
96
96th pctile
Return on Assets
Current: 2.45% · Tier avg: 1.08%
75
75th pctile
Net Interest Margin
Current: 4.37% · Tier avg: 3.85%
57
57th pctile
Delinquency Rate
Current: 0.26% · Tier avg: 0.64%
56
56th pctile
Nonperforming Asset Ratio
Current: 0.21% · Tier avg: 0.45%
53
53th pctile
Total Loans
Current: $130.4M · Tier avg: $139.2M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
51
51th pctile
Non-Interest-Bearing Deposit Share
Current: 21.83% · Tier avg: 22.39%
43
43th pctile
Total Deposits
Current: $143.1M · Tier avg: $183.7M
42
42th pctile
Total Assets
Current: $166.8M · Tier avg: $217.5M
24
24th pctile
Non-Interest Income / Assets
Current: 0.20% · Tier avg: 0.56%
21
21th pctile
Loan-to-Deposit Ratio
Current: 91.13% · Tier avg: 74.53%
Top Weaknesses
21
21th pctile
Loan-to-Deposit Ratio
Current: 91.13% · Tier avg: 74.53%
24
24th pctile
Non-Interest Income / Assets
Current: 0.20% · Tier avg: 0.56%
42
42th pctile
Total Assets
Current: $166.8M · Tier avg: $217.5M
43
43th pctile
Total Deposits
Current: $143.1M · Tier avg: $183.7M
51
51th pctile
Non-Interest-Bearing Deposit Share
Current: 21.83% · Tier avg: 22.39%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
53
53th pctile
Total Loans
Current: $130.4M · Tier avg: $139.2M
56
56th pctile
Nonperforming Asset Ratio
Current: 0.21% · Tier avg: 0.45%
57
57th pctile
Delinquency Rate
Current: 0.26% · Tier avg: 0.64%
75
75th pctile
Net Interest Margin
Current: 4.37% · Tier avg: 3.85%
96
96th pctile
Return on Assets
Current: 2.45% · Tier avg: 1.08%
99
99th pctile
Efficiency Ratio
Current: 37.57% · Tier avg: 67.73%