BlastPoint's Banking Scorecard
First Summit Bank
Micro
Specialty: Agricultural
OK
FDIC cert 399
Designations: ✓ Community bank
Ryan, OK
2498
banks in Micro tier nationally
121 in OK
View Micro leaderboard (OK) →
First Summit Bank has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.13% above tier
Key Concerns
Areas that may need attention
- - Delinquency Rate 3.21% above tier
- - Nonperforming Asset Ratio 1.57% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$34.6M
+11.4% YoY
+7.0% QoQ
|
-$182.9M |
$217.5M
+2.3% YoY
|
$1.2B
+6.0% YoY
|
$5.9B
+6.5% YoY
|
Bottom 4% in tier |
| Total Loans ? |
$18.2M
+3.5% YoY
+9.5% QoQ
|
-$121.0M |
$139.2M
+2.8% YoY
|
$796.2M
+5.4% YoY
|
$3.1B
+8.5% YoY
|
Bottom 6% in tier |
| Total Deposits ? |
$29.9M
+12.2% YoY
+8.3% QoQ
|
-$153.7M |
$183.7M
+1.8% YoY
|
$938.6M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
Bottom 5% in tier |
| Return on Assets ? |
0.94%
+48.0% YoY
-33.0% QoQ
|
-0.14% |
1.08%
+14.7% YoY
|
1.36%
+10.0% YoY
|
1.12%
+15.6% YoY
|
42% |
| Net Interest Margin ? |
4.98%
-15.3% YoY
-7.8% QoQ
|
+1.13% |
3.85%
+6.6% YoY
|
4.26%
+3.2% YoY
|
3.75%
+7.1% YoY
|
Top 10% in tier |
| Efficiency Ratio ? |
80.60%
-8.9% YoY
+7.9% QoQ
|
+12.87% |
67.73%
-4.8% YoY
|
63.62%
-4.9% YoY
|
65.09%
-5.1% YoY
|
20% |
| Delinquency Rate ? |
3.85%
+322.6% YoY
|
+3.21% |
0.64%
+24.4% YoY
|
0.95%
+12.2% YoY
|
0.66%
+20.3% YoY
|
Bottom 1% in tier |
| Loan-to-Deposit Ratio ? |
60.66%
-7.7% YoY
+1.1% QoQ
|
-13.86% |
74.53%
+0.5% YoY
|
75.78%
+1.6% YoY
|
78.04%
+0.7% YoY
|
75% |
| Non-Interest-Bearing Deposit Share ? |
21.75%
-3.0% YoY
-5.5% QoQ
|
-0.65% |
22.39%
-1.3% YoY
|
23.21%
-2.4% YoY
|
21.79%
-1.3% YoY
|
50% |
| Nonperforming Asset Ratio ? |
2.02%
+237.7% YoY
|
+1.57% |
0.45%
+25.1% YoY
|
0.71%
+9.7% YoY
|
0.48%
+20.8% YoY
|
Bottom 7% 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 ? |
0.69%
+38.1% YoY
+10.7% QoQ
|
+0.12% |
0.56%
+0.3% YoY
|
0.68%
-3.1% YoY
|
0.65%
+0.6% YoY
|
82% |
Signature Analysis
Strengths (1)
Net Interest Margin
metric
Top 10%
in Micro
Why this stands out
Current:
4.98%
(Tier avg: 3.85%, National avg: 3.75%)
Concerns (2)
Delinquency Rate
metric
Bottom 1%
in Micro
Why this stands out
Current:
3.85%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 7%
in Micro
Why this stands out
Current:
2.02%
(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
90
90th pctile
Net Interest Margin
Current: 4.98% · Tier avg: 3.85%
82
82th pctile
Non-Interest Income / Assets
Current: 0.69% · Tier avg: 0.56%
75
75th pctile
Loan-to-Deposit Ratio
Current: 60.66% · Tier avg: 74.53%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
50
50th pctile
Non-Interest-Bearing Deposit Share
Current: 21.75% · Tier avg: 22.39%
42
42th pctile
Return on Assets
Current: 0.94% · Tier avg: 1.08%
20
20th pctile
Efficiency Ratio
Current: 80.60% · Tier avg: 67.73%
7
7th pctile
Nonperforming Asset Ratio
Current: 2.02% · Tier avg: 0.45%
6
6th pctile
Total Loans
Current: $18.2M · Tier avg: $139.2M
5
5th pctile
Total Deposits
Current: $29.9M · Tier avg: $183.7M
4
4th pctile
Total Assets
Current: $34.6M · Tier avg: $217.5M
0
0th pctile
Delinquency Rate
Current: 3.85% · Tier avg: 0.64%
Top Weaknesses
0
0th pctile
Delinquency Rate
Current: 3.85% · Tier avg: 0.64%
4
4th pctile
Total Assets
Current: $34.6M · Tier avg: $217.5M
5
5th pctile
Total Deposits
Current: $29.9M · Tier avg: $183.7M
6
6th pctile
Total Loans
Current: $18.2M · Tier avg: $139.2M
7
7th pctile
Nonperforming Asset Ratio
Current: 2.02% · Tier avg: 0.45%
20
20th pctile
Efficiency Ratio
Current: 80.60% · Tier avg: 67.73%
42
42th pctile
Return on Assets
Current: 0.94% · Tier avg: 1.08%
50
50th pctile
Non-Interest-Bearing Deposit Share
Current: 21.75% · Tier avg: 22.39%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
75
75th pctile
Loan-to-Deposit Ratio
Current: 60.66% · Tier avg: 74.53%
82
82th pctile
Non-Interest Income / Assets
Current: 0.69% · Tier avg: 0.56%
90
90th pctile
Net Interest Margin
Current: 4.98% · Tier avg: 3.85%