BlastPoint's Banking Scorecard
First Bank & Trust Co.
Community
Specialty: Commercial
OK
FDIC cert 27394
Duncan, OK
1484
banks in Community tier nationally
45 in OK
View Community leaderboard (OK) →
First Bank & Trust Co. has 3 strengths but faces 6 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 7% in Community
- + Revenue Diversifier: Top 38% in Community
- + Tier 1 Capital Ratio 8.35% above tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 10% in Community
- - Deposit Outflow: Bottom 15% in Community
- - Liquidity Overhang: Bottom 27% in Community
- - Capital Constraint: Bottom 70% in Community
- - Delinquency Rate 5.28% above tier
- - Nonperforming Asset Ratio 4.13% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$948.4M
-1.5% YoY
-0.8% QoQ
|
-$443.0M |
$1.4B
+2.0% YoY
|
$1.2B
+6.0% YoY
|
$5.9B
+6.5% YoY
|
46% |
| Total Loans ? |
$735.3M
+1.9% YoY
-1.4% QoQ
|
-$240.1M |
$975.5M
+2.4% YoY
|
$796.2M
+5.4% YoY
|
$3.1B
+8.5% YoY
|
52% |
| Total Deposits ? |
$800.1M
-3.6% YoY
-1.5% QoQ
|
-$364.6M |
$1.2B
+1.7% YoY
|
$938.6M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
47% |
| Return on Assets ? |
2.33%
+23.0% YoY
+6.2% QoQ
|
+1.16% |
1.16%
+17.2% YoY
|
1.36%
+10.0% YoY
|
1.12%
+15.6% YoY
|
Top 4% in tier |
| Net Interest Margin ? |
4.61%
+15.4% YoY
+1.5% QoQ
|
+0.95% |
3.66%
+9.1% YoY
|
4.26%
+3.2% YoY
|
3.75%
+7.1% YoY
|
Top 11% in tier |
| Efficiency Ratio ? |
50.50%
-10.3% YoY
-3.0% QoQ
|
-12.14% |
62.63%
-5.3% YoY
|
63.62%
-4.9% YoY
|
65.09%
-5.1% YoY
|
83% |
| Delinquency Rate ? |
5.91%
+149.5% YoY
+7.9% QoQ
|
+5.28% |
0.63%
+18.3% YoY
|
0.95%
+12.2% YoY
|
0.66%
+20.3% YoY
|
Bottom 1% in tier |
| Loan-to-Deposit Ratio ? |
91.91%
+5.7% YoY
+0.0% QoQ
|
+8.85% |
83.06%
+0.3% YoY
|
75.78%
+1.6% YoY
|
78.04%
+0.7% YoY
|
69% |
| Non-Interest-Bearing Deposit Share ? |
25.42%
-5.1% YoY
-2.6% QoQ
|
+4.38% |
21.05%
-0.9% YoY
|
23.21%
-2.4% YoY
|
21.79%
-1.3% YoY
|
71% |
| Nonperforming Asset Ratio ? |
4.63%
+156.2% YoY
+7.1% QoQ
|
+4.13% |
0.50%
+20.3% YoY
|
0.71%
+9.7% YoY
|
0.48%
+20.8% YoY
|
Bottom 1% in tier |
| Tier 1 Capital Ratio ? |
18.59%
+8.7% YoY
+7.4% QoQ
|
+8.35% |
10.24%
-0.6% YoY
|
7.74%
-5.6% YoY
|
9.75%
-1.9% YoY
|
Top 10% in tier |
| Non-Interest Income / Assets ? |
0.86%
+5.5% YoY
+36.0% QoQ
|
+0.12% |
0.74%
-1.3% YoY
|
0.68%
-3.1% YoY
|
0.65%
+0.6% YoY
|
81% |
Signature Analysis
Strengths (3)
Profitability Leader
growth
#28 of 371 · Top 7% in Community
Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Why this signature
Return on Assets:
2.33%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
444 nationally
→ Stable
+5 banks QoQ
|
QoQ rank improving
Revenue Diversifier
growth
#140 of 371 · Top 38% in Community
Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Why this signature
Noninterest Income / Assets:
0.86%
(Tier: 0.74%, National: 0.65%)
Return on Assets:
2.33%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
441 nationally
→ Stable
+4 banks QoQ
|
QoQ rank improving
Tier 1 Capital Ratio
metric
Top 10%
in Community
Why this stands out
Current:
18.59%
(Tier avg: 10.24%, National avg: 9.75%)
Concerns (6)
Liquidity Strain
risk
#51 of 513 · Bottom 10% 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:
91.91%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank improving
Deposit Outflow
decline
#38 of 248 · Bottom 15% in Community
Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
248 of 248 Community banks match
·
294 nationally
↑ Growing
+37 banks QoQ
Liquidity Overhang
risk
#74 of 268 · Bottom 27% 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:
18.59%
(Tier: 10.24%, National: 9.75%)
Loan-to-Deposit Ratio:
91.91%
(Tier: 83.06%, National: 78.04%)
268 of 268 Community banks match
·
314 nationally
→ Stable
+6 banks QoQ
|
QoQ rank improving
Capital Constraint
risk
#33 of 47 · Bottom 70% in Community
Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.
Why this signature
Loan-to-Deposit Ratio:
91.91%
(Tier: 83.06%, National: 78.04%)
Tier 1 Risk-Based Capital Ratio:
18.59%
(Tier: 10.24%, National: 9.75%)
47 of 47 Community banks match
·
57 nationally
→ Stable
-1 banks QoQ
Delinquency Rate
metric
Bottom 1%
in Community
Why this stands out
Current:
5.91%
(Tier avg: 0.63%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 1%
in Community
Why this stands out
Current:
4.63%
(Tier avg: 0.50%, 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
96
96th pctile
Return on Assets
Current: 2.33% · Tier avg: 1.16%
90
90th pctile
Tier 1 Capital Ratio
Current: 18.59% · Tier avg: 10.24%
89
89th pctile
Net Interest Margin
Current: 4.61% · Tier avg: 3.66%
83
83th pctile
Efficiency Ratio
Current: 50.50% · Tier avg: 62.63%
81
81th pctile
Non-Interest Income / Assets
Current: 0.86% · Tier avg: 0.74%
71
71th pctile
Non-Interest-Bearing Deposit Share
Current: 25.42% · Tier avg: 21.05%
69
69th pctile
Loan-to-Deposit Ratio
Current: 91.91% · Tier avg: 83.06%
52
52th pctile
Total Loans
Current: $735.3M · Tier avg: $975.5M
47
47th pctile
Total Deposits
Current: $800.1M · Tier avg: $1.2B
46
46th pctile
Total Assets
Current: $948.4M · Tier avg: $1.4B
0
0th pctile
Delinquency Rate
Current: 5.91% · Tier avg: 0.63%
0
0th pctile
Nonperforming Asset Ratio
Current: 4.63% · Tier avg: 0.50%
Top Weaknesses
0
0th pctile
Nonperforming Asset Ratio
Current: 4.63% · Tier avg: 0.50%
0
0th pctile
Delinquency Rate
Current: 5.91% · Tier avg: 0.63%
46
46th pctile
Total Assets
Current: $948.4M · Tier avg: $1.4B
47
47th pctile
Total Deposits
Current: $800.1M · Tier avg: $1.2B
52
52th pctile
Total Loans
Current: $735.3M · Tier avg: $975.5M
69
69th pctile
Loan-to-Deposit Ratio
Current: 91.91% · Tier avg: 83.06%
71
71th pctile
Non-Interest-Bearing Deposit Share
Current: 25.42% · Tier avg: 21.05%
81
81th pctile
Non-Interest Income / Assets
Current: 0.86% · Tier avg: 0.74%
83
83th pctile
Efficiency Ratio
Current: 50.50% · Tier avg: 62.63%
89
89th pctile
Net Interest Margin
Current: 4.61% · Tier avg: 3.66%
90
90th pctile
Tier 1 Capital Ratio
Current: 18.59% · Tier avg: 10.24%
96
96th pctile
Return on Assets
Current: 2.33% · Tier avg: 1.16%