BlastPoint's Banking Scorecard
The First Security Bank
Micro
Specialty: Agricultural
OK
FDIC cert 4041
Designations: ✓ Community bank
Beaver, OK
2498
banks in Micro tier nationally
121 in OK
View Micro leaderboard (OK) →
The First Security Bank has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.43% above tier
Key Concerns
Areas that may need attention
- - Non-Interest-Bearing Deposit Share 14.69% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$285.1M
+59.2% YoY
+11.9% QoQ
|
+$67.6M |
$217.5M
+2.3% YoY
|
$1.2B
+6.0% YoY
|
$5.9B
+6.5% YoY
|
69% |
| Total Loans ? |
$244.9M
+93.2% YoY
+17.5% QoQ
|
+$105.7M |
$139.2M
+2.8% YoY
|
$796.2M
+5.4% YoY
|
$3.1B
+8.5% YoY
|
84% |
| Total Deposits ? |
$247.5M
+52.0% YoY
+14.9% QoQ
|
+$63.9M |
$183.7M
+1.8% YoY
|
$938.6M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
71% |
| Return on Assets ? |
0.87%
+319.3% YoY
+13.1% QoQ
|
-0.22% |
1.08%
+14.7% YoY
|
1.36%
+10.0% YoY
|
1.12%
+15.6% YoY
|
37% |
| Net Interest Margin ? |
5.29%
+31.5% YoY
+4.1% QoQ
|
+1.43% |
3.85%
+6.6% YoY
|
4.26%
+3.2% YoY
|
3.75%
+7.1% YoY
|
Top 6% in tier |
| Efficiency Ratio ? |
70.62%
-23.3% YoY
-2.5% QoQ
|
+2.89% |
67.73%
-4.8% YoY
|
63.62%
-4.9% YoY
|
65.09%
-5.1% YoY
|
38% |
| Delinquency Rate ? |
0.95%
-34.2% YoY
-4.9% QoQ
|
+0.31% |
0.64%
+24.4% YoY
|
0.95%
+12.2% YoY
|
0.66%
+20.3% YoY
|
30% |
| Loan-to-Deposit Ratio ? |
98.93%
+27.1% YoY
+2.3% QoQ
|
+24.40% |
74.53%
+0.5% YoY
|
75.78%
+1.6% YoY
|
78.04%
+0.7% YoY
|
Bottom 10% in tier |
| Non-Interest-Bearing Deposit Share ? |
7.70%
+13.4% YoY
+8.5% QoQ
|
-14.69% |
22.39%
-1.3% YoY
|
23.21%
-2.4% YoY
|
21.79%
-1.3% YoY
|
Bottom 8% in tier |
| Nonperforming Asset Ratio ? |
0.90%
-26.2% YoY
-1.3% QoQ
|
+0.45% |
0.45%
+25.1% YoY
|
0.71%
+9.7% YoY
|
0.48%
+20.8% YoY
|
22% |
| 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 ? |
0.16%
-23.8% YoY
+32.4% QoQ
|
-0.40% |
0.56%
+0.3% YoY
|
0.68%
-3.1% YoY
|
0.65%
+0.6% YoY
|
16% |
Signature Analysis
Strengths (1)
Net Interest Margin
metric
Top 6%
in Micro
Why this stands out
Current:
5.29%
(Tier avg: 3.85%, National avg: 3.75%)
Concerns (1)
Non-Interest-Bearing Deposit Share
metric
Bottom 8%
in Micro
Why this stands out
Current:
7.70%
(Tier avg: 22.39%, National avg: 21.79%)
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
94
94th pctile
Net Interest Margin
Current: 5.29% · Tier avg: 3.85%
84
84th pctile
Total Loans
Current: $244.9M · Tier avg: $139.2M
71
71th pctile
Total Deposits
Current: $247.5M · Tier avg: $183.7M
69
69th pctile
Total Assets
Current: $285.1M · Tier avg: $217.5M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
38
38th pctile
Efficiency Ratio
Current: 70.62% · Tier avg: 67.73%
37
37th pctile
Return on Assets
Current: 0.87% · Tier avg: 1.08%
30
30th pctile
Delinquency Rate
Current: 0.95% · Tier avg: 0.64%
22
22th pctile
Nonperforming Asset Ratio
Current: 0.90% · Tier avg: 0.45%
16
16th pctile
Non-Interest Income / Assets
Current: 0.16% · Tier avg: 0.56%
10
10th pctile
Loan-to-Deposit Ratio
Current: 98.93% · Tier avg: 74.53%
8
8th pctile
Non-Interest-Bearing Deposit Share
Current: 7.70% · Tier avg: 22.39%
Top Weaknesses
8
8th pctile
Non-Interest-Bearing Deposit Share
Current: 7.70% · Tier avg: 22.39%
10
10th pctile
Loan-to-Deposit Ratio
Current: 98.93% · Tier avg: 74.53%
16
16th pctile
Non-Interest Income / Assets
Current: 0.16% · Tier avg: 0.56%
22
22th pctile
Nonperforming Asset Ratio
Current: 0.90% · Tier avg: 0.45%
30
30th pctile
Delinquency Rate
Current: 0.95% · Tier avg: 0.64%
37
37th pctile
Return on Assets
Current: 0.87% · Tier avg: 1.08%
38
38th pctile
Efficiency Ratio
Current: 70.62% · Tier avg: 67.73%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
69
69th pctile
Total Assets
Current: $285.1M · Tier avg: $217.5M
71
71th pctile
Total Deposits
Current: $247.5M · Tier avg: $183.7M
84
84th pctile
Total Loans
Current: $244.9M · Tier avg: $139.2M
94
94th pctile
Net Interest Margin
Current: 5.29% · Tier avg: 3.85%