BlastPoint's Banking Scorecard
The First National Bank and Trust Company of Broken Arrow
Micro
Specialty: Commercial
OK
FDIC cert 4050
Designations: ✓ Community bank
Broken Arrow, OK
2498
banks in Micro tier nationally
121 in OK
View Micro leaderboard (OK) →
The First National Bank and Trust Company of Broken Arrow shows strong momentum with 4 strengths and 18.8% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 1.27% above tier
- + Net Interest Margin 2.10% above tier
- + Efficiency Ratio 20.24% below tier
- + Non-Interest-Bearing Deposit Share 29.89% above tier
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 ? |
$278.1M
+18.8% YoY
+5.5% QoQ
|
+$60.6M |
$217.5M
+2.3% YoY
|
$1.2B
+6.0% YoY
|
$5.9B
+6.5% YoY
|
68% |
| Total Loans ? |
$200.7M
+6.4% YoY
+2.8% QoQ
|
+$61.6M |
$139.2M
+2.8% YoY
|
$796.2M
+5.4% YoY
|
$3.1B
+8.5% YoY
|
74% |
| Total Deposits ? |
$236.5M
+19.4% YoY
+6.2% QoQ
|
+$52.8M |
$183.7M
+1.8% YoY
|
$938.6M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
68% |
| Return on Assets ? |
2.35%
+18.5% YoY
+3.1% QoQ
|
+1.27% |
1.08%
+14.7% YoY
|
1.36%
+10.0% YoY
|
1.12%
+15.6% YoY
|
Top 5% in tier |
| Net Interest Margin ? |
5.95%
+3.6% YoY
+0.1% QoQ
|
+2.10% |
3.85%
+6.6% YoY
|
4.26%
+3.2% YoY
|
3.75%
+7.1% YoY
|
Top 2% in tier |
| Efficiency Ratio ? |
47.48%
-5.8% YoY
-2.2% QoQ
|
-20.24% |
67.73%
-4.8% YoY
|
63.62%
-4.9% YoY
|
65.09%
-5.1% YoY
|
Top 7% in tier |
| Delinquency Rate ? |
0.56%
-73.1% YoY
-25.3% QoQ
|
-0.08% |
0.64%
+24.4% YoY
|
0.95%
+12.2% YoY
|
0.66%
+20.3% YoY
|
43% |
| Loan-to-Deposit Ratio ? |
84.88%
-10.8% YoY
-3.1% QoQ
|
+10.35% |
74.53%
+0.5% YoY
|
75.78%
+1.6% YoY
|
78.04%
+0.7% YoY
|
32% |
| Non-Interest-Bearing Deposit Share ? |
52.29%
+7.8% YoY
+4.9% QoQ
|
+29.89% |
22.39%
-1.3% YoY
|
23.21%
-2.4% YoY
|
21.79%
-1.3% YoY
|
Top 2% in tier |
| Nonperforming Asset Ratio ? |
0.41%
-75.9% YoY
-27.2% QoQ
|
-0.05% |
0.45%
+25.1% YoY
|
0.71%
+9.7% YoY
|
0.48%
+20.8% YoY
|
43% |
| Tier 1 Capital Ratio ? |
20.89%
+16.9% YoY
+1.8% QoQ
|
+12.04% |
8.85%
-3.4% YoY
|
7.74%
-5.6% YoY
|
9.75%
-1.9% YoY
|
Top 12% in tier |
| Non-Interest Income / Assets ? |
0.38%
-9.6% YoY
+30.0% QoQ
|
-0.18% |
0.56%
+0.3% YoY
|
0.68%
-3.1% YoY
|
0.65%
+0.6% YoY
|
53% |
Signature Analysis
Strengths (4)
Return on Assets
metric
Top 5%
in Micro
Why this stands out
Current:
2.35%
(Tier avg: 1.08%, National avg: 1.12%)
Net Interest Margin
metric
Top 2%
in Micro
Why this stands out
Current:
5.95%
(Tier avg: 3.85%, National avg: 3.75%)
Efficiency Ratio
metric
Top 7%
in Micro
Why this stands out
Current:
47.48%
(Tier avg: 67.73%, National avg: 65.09%)
Non-Interest-Bearing Deposit Share
metric
Top 2%
in Micro
Why this stands out
Current:
52.29%
(Tier avg: 22.39%, National avg: 21.79%)
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%
Top Strengths
98
98th pctile
Non-Interest-Bearing Deposit Share
Current: 52.29% · Tier avg: 22.39%
98
98th pctile
Net Interest Margin
Current: 5.95% · Tier avg: 3.85%
95
95th pctile
Return on Assets
Current: 2.35% · Tier avg: 1.08%
93
93th pctile
Efficiency Ratio
Current: 47.48% · Tier avg: 67.73%
88
88th pctile
Tier 1 Capital Ratio
Current: 20.89% · Tier avg: 8.85%
74
74th pctile
Total Loans
Current: $200.7M · Tier avg: $139.2M
68
68th pctile
Total Assets
Current: $278.1M · Tier avg: $217.5M
68
68th pctile
Total Deposits
Current: $236.5M · Tier avg: $183.7M
53
53th pctile
Non-Interest Income / Assets
Current: 0.38% · Tier avg: 0.56%
43
43th pctile
Delinquency Rate
Current: 0.56% · Tier avg: 0.64%
43
43th pctile
Nonperforming Asset Ratio
Current: 0.41% · Tier avg: 0.45%
32
32th pctile
Loan-to-Deposit Ratio
Current: 84.88% · Tier avg: 74.53%
Top Weaknesses
32
32th pctile
Loan-to-Deposit Ratio
Current: 84.88% · Tier avg: 74.53%
43
43th pctile
Nonperforming Asset Ratio
Current: 0.41% · Tier avg: 0.45%
43
43th pctile
Delinquency Rate
Current: 0.56% · Tier avg: 0.64%
53
53th pctile
Non-Interest Income / Assets
Current: 0.38% · Tier avg: 0.56%
68
68th pctile
Total Deposits
Current: $236.5M · Tier avg: $183.7M
68
68th pctile
Total Assets
Current: $278.1M · Tier avg: $217.5M
74
74th pctile
Total Loans
Current: $200.7M · Tier avg: $139.2M
88
88th pctile
Tier 1 Capital Ratio
Current: 20.89% · Tier avg: 8.85%
93
93th pctile
Efficiency Ratio
Current: 47.48% · Tier avg: 67.73%
95
95th pctile
Return on Assets
Current: 2.35% · Tier avg: 1.08%
98
98th pctile
Net Interest Margin
Current: 5.95% · Tier avg: 3.85%
98
98th pctile
Non-Interest-Bearing Deposit Share
Current: 52.29% · Tier avg: 22.39%