BlastPoint's Banking Scorecard
The First National Bank in Marlow
Micro
Specialty: Commercial
OK
FDIC cert 26260
Designations: ✓ Community bank
Marlow, OK
2498
banks in Micro tier nationally
121 in OK
View Micro leaderboard (OK) →
The First National Bank in Marlow faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Return on Assets 1.14% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$70.2M
-4.1% YoY
-0.0% QoQ
|
-$147.3M |
$217.5M
+2.3% YoY
|
$1.2B
+6.0% YoY
|
$5.9B
+6.5% YoY
|
Bottom 13% in tier |
| Total Loans ? |
$50.6M
+3.4% YoY
+0.7% QoQ
|
-$88.6M |
$139.2M
+2.8% YoY
|
$796.2M
+5.4% YoY
|
$3.1B
+8.5% YoY
|
20% |
| Total Deposits ? |
$64.0M
+9.5% YoY
+0.2% QoQ
|
-$119.6M |
$183.7M
+1.8% YoY
|
$938.6M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
Bottom 15% in tier |
| Return on Assets ? |
-0.06%
-112.0% YoY
+89.5% QoQ
|
-1.14% |
1.08%
+14.7% YoY
|
1.36%
+10.0% YoY
|
1.12%
+15.6% YoY
|
Bottom 6% in tier |
| Net Interest Margin ? |
4.50%
+22.0% YoY
+2.8% QoQ
|
+0.65% |
3.85%
+6.6% YoY
|
4.26%
+3.2% YoY
|
3.75%
+7.1% YoY
|
79% |
| Efficiency Ratio ? |
78.33%
-7.2% YoY
-3.0% QoQ
|
+10.61% |
67.73%
-4.8% YoY
|
63.62%
-4.9% YoY
|
65.09%
-5.1% YoY
|
23% |
| Delinquency Rate ? |
1.14%
-3.8% QoQ
|
+0.50% |
0.64%
+24.4% YoY
|
0.95%
+12.2% YoY
|
0.66%
+20.3% YoY
|
26% |
| Loan-to-Deposit Ratio ? |
79.02%
-5.5% YoY
+0.4% QoQ
|
+4.50% |
74.53%
+0.5% YoY
|
75.78%
+1.6% YoY
|
78.04%
+0.7% YoY
|
55% |
| Non-Interest-Bearing Deposit Share ? |
29.47%
+21.1% YoY
+6.7% QoQ
|
+7.08% |
22.39%
-1.3% YoY
|
23.21%
-2.4% YoY
|
21.79%
-1.3% YoY
|
78% |
| Nonperforming Asset Ratio ? |
0.82%
-3.2% QoQ
|
+0.37% |
0.45%
+25.1% YoY
|
0.71%
+9.7% YoY
|
0.48%
+20.8% YoY
|
25% |
| Tier 1 Capital Ratio ? |
10.90%
-9.5% YoY
+5.5% QoQ
|
+2.05% |
8.85%
-3.4% YoY
|
7.74%
-5.6% YoY
|
9.75%
-1.9% YoY
|
55% |
| Non-Interest Income / Assets ? |
0.84%
+34.0% YoY
+29.1% QoQ
|
+0.28% |
0.56%
+0.3% YoY
|
0.68%
-3.1% YoY
|
0.65%
+0.6% YoY
|
Top 11% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Return on Assets
metric
Bottom 6%
in Micro
Why this stands out
Current:
-0.06%
(Tier avg: 1.08%, National avg: 1.12%)
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
89
89th pctile
Non-Interest Income / Assets
Current: 0.84% · Tier avg: 0.56%
79
79th pctile
Net Interest Margin
Current: 4.50% · Tier avg: 3.85%
78
78th pctile
Non-Interest-Bearing Deposit Share
Current: 29.47% · Tier avg: 22.39%
55
55th pctile
Loan-to-Deposit Ratio
Current: 79.02% · Tier avg: 74.53%
55
55th pctile
Tier 1 Capital Ratio
Current: 10.90% · Tier avg: 8.85%
26
26th pctile
Delinquency Rate
Current: 1.14% · Tier avg: 0.64%
25
25th pctile
Nonperforming Asset Ratio
Current: 0.82% · Tier avg: 0.45%
23
23th pctile
Efficiency Ratio
Current: 78.33% · Tier avg: 67.73%
20
20th pctile
Total Loans
Current: $50.6M · Tier avg: $139.2M
15
15th pctile
Total Deposits
Current: $64.0M · Tier avg: $183.7M
13
13th pctile
Total Assets
Current: $70.2M · Tier avg: $217.5M
6
6th pctile
Return on Assets
Current: -0.06% · Tier avg: 1.08%
Top Weaknesses
6
6th pctile
Return on Assets
Current: -0.06% · Tier avg: 1.08%
13
13th pctile
Total Assets
Current: $70.2M · Tier avg: $217.5M
15
15th pctile
Total Deposits
Current: $64.0M · Tier avg: $183.7M
20
20th pctile
Total Loans
Current: $50.6M · Tier avg: $139.2M
23
23th pctile
Efficiency Ratio
Current: 78.33% · Tier avg: 67.73%
25
25th pctile
Nonperforming Asset Ratio
Current: 0.82% · Tier avg: 0.45%
26
26th pctile
Delinquency Rate
Current: 1.14% · Tier avg: 0.64%
55
55th pctile
Tier 1 Capital Ratio
Current: 10.90% · Tier avg: 8.85%
55
55th pctile
Loan-to-Deposit Ratio
Current: 79.02% · Tier avg: 74.53%
78
78th pctile
Non-Interest-Bearing Deposit Share
Current: 29.47% · Tier avg: 22.39%
79
79th pctile
Net Interest Margin
Current: 4.50% · Tier avg: 3.85%
89
89th pctile
Non-Interest Income / Assets
Current: 0.84% · Tier avg: 0.56%