BlastPoint's Banking Scorecard

Frazer Bank

Micro Specialty: Commercial OK FDIC cert 4031

Designations: ✓ Community bank

Altus, OK

2498 banks in Micro tier nationally 121 in OK

View Micro leaderboard (OK) →

Frazer Bank shows stable performance across key metrics

Key Strengths

Areas where this bank excels compared to peers

No key strengths identified

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 ?	$344.9M -7.4% YoY +3.9% QoQ	+$127.4M	$217.5M +2.3% YoY	$1.2B +6.0% YoY	$5.9B +6.5% YoY	80%
Total Loans ?	$195.0M -15.9% YoY -4.5% QoQ	+$55.8M	$139.2M +2.8% YoY	$796.2M +5.4% YoY	$3.1B +8.5% YoY	73%
Total Deposits ?	$308.1M -8.9% YoY +4.4% QoQ	+$124.5M	$183.7M +1.8% YoY	$938.6M +4.7% YoY	$4.7B +6.3% YoY	83%
Return on Assets ?	0.52% +55.3% YoY -1.8% QoQ	-0.57%	1.08% +14.7% YoY	1.36% +10.0% YoY	1.12% +15.6% YoY	19%
Net Interest Margin ?	3.07% +18.1% YoY +1.8% QoQ	-0.79%	3.85% +6.6% YoY	4.26% +3.2% YoY	3.75% +7.1% YoY	18%
Efficiency Ratio ?	77.61% -15.4% YoY -1.2% QoQ	+9.89%	67.73% -4.8% YoY	63.62% -4.9% YoY	65.09% -5.1% YoY	24%
Delinquency Rate ?	0.10% -45.8% YoY	-0.54%	0.64% +24.4% YoY	0.95% +12.2% YoY	0.66% +20.3% YoY	71%
Loan-to-Deposit Ratio ?	63.29% -7.7% YoY -8.6% QoQ	-11.24%	74.53% +0.5% YoY	75.78% +1.6% YoY	78.04% +0.7% YoY	72%
Non-Interest-Bearing Deposit Share ?	15.56% +5.5% YoY +3.4% QoQ	-6.84%	22.39% -1.3% YoY	23.21% -2.4% YoY	21.79% -1.3% YoY	25%
Nonperforming Asset Ratio ?	0.11% -53.8% YoY +90.0% QoQ	-0.34%	0.45% +25.1% YoY	0.71% +9.7% YoY	0.48% +20.8% YoY	66%
Tier 1 Capital Ratio ?	17.48% +19.4% YoY +3.3% QoQ	+8.63%	8.85% -3.4% YoY	7.74% -5.6% YoY	9.75% -1.9% YoY	81%
Non-Interest Income / Assets ?	0.33% -3.3% YoY +27.0% QoQ	-0.23%	0.56% +0.3% YoY	0.68% -3.1% YoY	0.65% +0.6% YoY	45%

Signature Analysis

Strengths (0)

No strengths identified

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%

Compare against:

Comparing against 2498 peers in Micro tier

Top Strengths

Total Deposits

Current: $308.1M · Tier avg: $183.7M

83th pctile

Tier 1 Capital Ratio

Current: 17.48% · Tier avg: 8.85%

81th pctile

Total Assets

Current: $344.9M · Tier avg: $217.5M

80th pctile

Total Loans

Current: $195.0M · Tier avg: $139.2M

73th pctile

Loan-to-Deposit Ratio

Current: 63.29% · Tier avg: 74.53%

72th pctile

Delinquency Rate

Current: 0.10% · Tier avg: 0.64%

71th pctile

Nonperforming Asset Ratio

Current: 0.11% · Tier avg: 0.45%

66th pctile

Non-Interest Income / Assets

Current: 0.33% · Tier avg: 0.56%

45th pctile

Non-Interest-Bearing Deposit Share

Current: 15.56% · Tier avg: 22.39%

25th pctile

Efficiency Ratio

Current: 77.61% · Tier avg: 67.73%

24th pctile

Return on Assets

Current: 0.52% · Tier avg: 1.08%

19th pctile

Net Interest Margin

Current: 3.07% · Tier avg: 3.85%

18th pctile

Top Weaknesses