BlastPoint's Banking Scorecard
The First National Bank and Trust Co., Chickasha, Oklahoma
Community
Specialty: Commercial
OK
FDIC cert 4062
Chickasha, OK
1484
banks in Community tier nationally
45 in OK
View Community leaderboard (OK) →
The First National Bank and Trust Co., Chickasha, Oklahoma has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 22% in Community
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 40% in Community
- - Delinquency Rate 2.16% above tier
- - Loan-to-Deposit Ratio 23.32% below tier
- - Nonperforming Asset Ratio 1.13% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.1B
+3.7% YoY
+1.4% QoQ
|
-$336.1M |
$1.4B
+2.0% YoY
|
$1.2B
+6.0% YoY
|
$5.9B
+6.5% YoY
|
53% |
| Total Loans ? |
$521.8M
+4.9% YoY
+2.9% QoQ
|
-$453.7M |
$975.5M
+2.4% YoY
|
$796.2M
+5.4% YoY
|
$3.1B
+8.5% YoY
|
34% |
| Total Deposits ? |
$873.4M
+2.2% YoY
+0.8% QoQ
|
-$291.2M |
$1.2B
+1.7% YoY
|
$938.6M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
52% |
| Return on Assets ? |
2.10%
+16.8% YoY
+3.1% QoQ
|
+0.94% |
1.16%
+17.2% YoY
|
1.36%
+10.0% YoY
|
1.12%
+15.6% YoY
|
Top 8% in tier |
| Net Interest Margin ? |
3.65%
+9.9% YoY
+0.8% QoQ
|
-0.01% |
3.66%
+9.1% YoY
|
4.26%
+3.2% YoY
|
3.75%
+7.1% YoY
|
50% |
| Efficiency Ratio ? |
50.28%
-7.4% YoY
-1.0% QoQ
|
-12.35% |
62.63%
-5.3% YoY
|
63.62%
-4.9% YoY
|
65.09%
-5.1% YoY
|
83% |
| Delinquency Rate ? |
2.78%
+93.2% YoY
+14.8% QoQ
|
+2.16% |
0.63%
+18.3% YoY
|
0.95%
+12.2% YoY
|
0.66%
+20.3% YoY
|
Bottom 5% in tier |
| Loan-to-Deposit Ratio ? |
59.74%
+2.6% YoY
+2.2% QoQ
|
-23.32% |
83.06%
+0.3% YoY
|
75.78%
+1.6% YoY
|
78.04%
+0.7% YoY
|
Bottom 8% in tier |
| Non-Interest-Bearing Deposit Share ? |
25.60%
+2.0% YoY
-1.9% QoQ
|
+4.56% |
21.05%
-0.9% YoY
|
23.21%
-2.4% YoY
|
21.79%
-1.3% YoY
|
71% |
| Nonperforming Asset Ratio ? |
1.63%
+68.3% YoY
+13.3% QoQ
|
+1.13% |
0.50%
+20.3% YoY
|
0.71%
+9.7% YoY
|
0.48%
+20.8% YoY
|
Bottom 9% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
7.74%
-5.6% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.73%
-3.5% YoY
+32.3% QoQ
|
-0.01% |
0.74%
-1.3% YoY
|
0.68%
-3.1% YoY
|
0.65%
+0.6% YoY
|
72% |
Signature Analysis
Strengths (1)
Profitability Leader
growth
#83 of 371 · Top 22% in Community
Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Why this signature
Return on Assets:
2.10%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
444 nationally
→ Stable
+5 banks QoQ
|
QoQ rank improving
Concerns (4)
Capital Thin
risk
#173 of 432 · Bottom 40% in Community
Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Why this signature
Tier 1 Risk-Based Capital Ratio:
0.00%
(Tier: 10.24%, National: 9.75%)
432 of 432 Community banks match
·
505 nationally
→ Stable
+11 banks QoQ
|
QoQ rank declining
Delinquency Rate
metric
Bottom 5%
in Community
Why this stands out
Current:
2.78%
(Tier avg: 0.63%, National avg: 0.66%)
Loan-to-Deposit Ratio
metric
Bottom 8%
in Community
Why this stands out
Current:
59.74%
(Tier avg: 83.06%, National avg: 78.04%)
Nonperforming Asset Ratio
metric
Bottom 9%
in Community
Why this stands out
Current:
1.63%
(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
92
92th pctile
Return on Assets
Current: 2.10% · Tier avg: 1.16%
83
83th pctile
Efficiency Ratio
Current: 50.28% · Tier avg: 62.63%
72
72th pctile
Non-Interest Income / Assets
Current: 0.73% · Tier avg: 0.74%
71
71th pctile
Non-Interest-Bearing Deposit Share
Current: 25.60% · Tier avg: 21.05%
53
53th pctile
Total Assets
Current: $1.1B · Tier avg: $1.4B
52
52th pctile
Total Deposits
Current: $873.4M · Tier avg: $1.2B
50
50th pctile
Net Interest Margin
Current: 3.65% · Tier avg: 3.66%
34
34th pctile
Total Loans
Current: $521.8M · Tier avg: $975.5M
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
9
9th pctile
Nonperforming Asset Ratio
Current: 1.63% · Tier avg: 0.50%
8
8th pctile
Loan-to-Deposit Ratio
Current: 59.74% · Tier avg: 83.06%
5
5th pctile
Delinquency Rate
Current: 2.78% · Tier avg: 0.63%
Top Weaknesses
5
5th pctile
Delinquency Rate
Current: 2.78% · Tier avg: 0.63%
8
8th pctile
Loan-to-Deposit Ratio
Current: 59.74% · Tier avg: 83.06%
9
9th pctile
Nonperforming Asset Ratio
Current: 1.63% · Tier avg: 0.50%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
34
34th pctile
Total Loans
Current: $521.8M · Tier avg: $975.5M
50
50th pctile
Net Interest Margin
Current: 3.65% · Tier avg: 3.66%
52
52th pctile
Total Deposits
Current: $873.4M · Tier avg: $1.2B
53
53th pctile
Total Assets
Current: $1.1B · Tier avg: $1.4B
71
71th pctile
Non-Interest-Bearing Deposit Share
Current: 25.60% · Tier avg: 21.05%
72
72th pctile
Non-Interest Income / Assets
Current: 0.73% · Tier avg: 0.74%
83
83th pctile
Efficiency Ratio
Current: 50.28% · Tier avg: 62.63%
92
92th pctile
Return on Assets
Current: 2.10% · Tier avg: 1.16%