BlastPoint's Banking Scorecard
The First National Bank & Trust
Micro
Specialty: Agricultural
OK
FDIC cert 4086
Designations: ✓ Community bank
Elk City, OK
2498
banks in Micro tier nationally
121 in OK
View Micro leaderboard (OK) →
The First National Bank & Trust demonstrates 2 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 1.10% above tier
- + Efficiency Ratio 19.66% below 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 ? |
$294.3M
-5.6% YoY
-0.4% QoQ
|
+$76.8M |
$217.5M
+2.3% YoY
|
$1.2B
+6.0% YoY
|
$5.9B
+6.5% YoY
|
71% |
| Total Loans ? |
$160.4M
+5.5% YoY
+0.2% QoQ
|
+$21.3M |
$139.2M
+2.8% YoY
|
$796.2M
+5.4% YoY
|
$3.1B
+8.5% YoY
|
64% |
| Total Deposits ? |
$264.3M
-7.7% YoY
-1.4% QoQ
|
+$80.6M |
$183.7M
+1.8% YoY
|
$938.6M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
74% |
| Return on Assets ? |
2.19%
+3.2% YoY
-3.6% QoQ
|
+1.10% |
1.08%
+14.7% YoY
|
1.36%
+10.0% YoY
|
1.12%
+15.6% YoY
|
Top 6% in tier |
| Net Interest Margin ? |
3.95%
+6.9% YoY
+0.7% QoQ
|
+0.10% |
3.85%
+6.6% YoY
|
4.26%
+3.2% YoY
|
3.75%
+7.1% YoY
|
56% |
| Efficiency Ratio ? |
48.07%
-0.3% YoY
+4.4% QoQ
|
-19.66% |
67.73%
-4.8% YoY
|
63.62%
-4.9% YoY
|
65.09%
-5.1% YoY
|
Top 8% in tier |
| Delinquency Rate ? |
1.70%
+92.6% YoY
+912.7% QoQ
|
+1.06% |
0.64%
+24.4% YoY
|
0.95%
+12.2% YoY
|
0.66%
+20.3% YoY
|
16% |
| Loan-to-Deposit Ratio ? |
60.71%
+14.3% YoY
+1.7% QoQ
|
-13.82% |
74.53%
+0.5% YoY
|
75.78%
+1.6% YoY
|
78.04%
+0.7% YoY
|
25% |
| Non-Interest-Bearing Deposit Share ? |
21.83%
+14.4% YoY
+1.2% QoQ
|
-0.57% |
22.39%
-1.3% YoY
|
23.21%
-2.4% YoY
|
21.79%
-1.3% YoY
|
51% |
| Nonperforming Asset Ratio ? |
1.04%
+107.3% YoY
+376.7% QoQ
|
+0.59% |
0.45%
+25.1% YoY
|
0.71%
+9.7% YoY
|
0.48%
+20.8% YoY
|
18% |
| 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 ? |
0.59%
+0.4% YoY
+26.2% QoQ
|
+0.03% |
0.56%
+0.3% YoY
|
0.68%
-3.1% YoY
|
0.65%
+0.6% YoY
|
76% |
Signature Analysis
Strengths (2)
Return on Assets
metric
Top 6%
in Micro
Why this stands out
Current:
2.19%
(Tier avg: 1.08%, National avg: 1.12%)
Efficiency Ratio
metric
Top 8%
in Micro
Why this stands out
Current:
48.07%
(Tier avg: 67.73%, National avg: 65.09%)
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
94
94th pctile
Return on Assets
Current: 2.19% · Tier avg: 1.08%
92
92th pctile
Efficiency Ratio
Current: 48.07% · Tier avg: 67.73%
76
76th pctile
Non-Interest Income / Assets
Current: 0.59% · Tier avg: 0.56%
74
74th pctile
Total Deposits
Current: $264.3M · Tier avg: $183.7M
71
71th pctile
Total Assets
Current: $294.3M · Tier avg: $217.5M
64
64th pctile
Total Loans
Current: $160.4M · Tier avg: $139.2M
56
56th pctile
Net Interest Margin
Current: 3.95% · Tier avg: 3.85%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
51
51th pctile
Non-Interest-Bearing Deposit Share
Current: 21.83% · Tier avg: 22.39%
25
25th pctile
Loan-to-Deposit Ratio
Current: 60.71% · Tier avg: 74.53%
18
18th pctile
Nonperforming Asset Ratio
Current: 1.04% · Tier avg: 0.45%
16
16th pctile
Delinquency Rate
Current: 1.70% · Tier avg: 0.64%
Top Weaknesses
16
16th pctile
Delinquency Rate
Current: 1.70% · Tier avg: 0.64%
18
18th pctile
Nonperforming Asset Ratio
Current: 1.04% · Tier avg: 0.45%
25
25th pctile
Loan-to-Deposit Ratio
Current: 60.71% · Tier avg: 74.53%
51
51th pctile
Non-Interest-Bearing Deposit Share
Current: 21.83% · Tier avg: 22.39%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
56
56th pctile
Net Interest Margin
Current: 3.95% · Tier avg: 3.85%
64
64th pctile
Total Loans
Current: $160.4M · Tier avg: $139.2M
71
71th pctile
Total Assets
Current: $294.3M · Tier avg: $217.5M
74
74th pctile
Total Deposits
Current: $264.3M · Tier avg: $183.7M
76
76th pctile
Non-Interest Income / Assets
Current: 0.59% · Tier avg: 0.56%
92
92th pctile
Efficiency Ratio
Current: 48.07% · Tier avg: 67.73%
94
94th pctile
Return on Assets
Current: 2.19% · Tier avg: 1.08%