BlastPoint's Banking Scorecard
First Bank
Micro
Specialty: Commercial
OK
FDIC cert 4092
Designations: ✓ Community bank
Erick, OK
2498
banks in Micro tier nationally
121 in OK
View Micro leaderboard (OK) →
First Bank shows strong momentum with 5 strengths and 8.2% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 2.49% above tier
- + Net Interest Margin 2.07% above tier
- + Efficiency Ratio 26.74% below tier
- + Non-Interest-Bearing Deposit Share 14.44% above tier
- + Tier 1 Capital Ratio 15.66% 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 ? |
$110.1M
+8.2% YoY
-1.8% QoQ
|
-$107.4M |
$217.5M
+2.3% YoY
|
$1.2B
+6.0% YoY
|
$5.9B
+6.5% YoY
|
25% |
| Total Loans ? |
$61.7M
-1.0% YoY
+6.5% QoQ
|
-$77.5M |
$139.2M
+2.8% YoY
|
$796.2M
+5.4% YoY
|
$3.1B
+8.5% YoY
|
25% |
| Total Deposits ? |
$92.3M
+7.4% YoY
-3.1% QoQ
|
-$91.4M |
$183.7M
+1.8% YoY
|
$938.6M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
26% |
| Return on Assets ? |
3.58%
-27.0% YoY
-2.8% QoQ
|
+2.49% |
1.08%
+14.7% YoY
|
1.36%
+10.0% YoY
|
1.12%
+15.6% YoY
|
Top 1% in tier |
| Net Interest Margin ? |
5.93%
-16.5% YoY
-2.1% QoQ
|
+2.07% |
3.85%
+6.6% YoY
|
4.26%
+3.2% YoY
|
3.75%
+7.1% YoY
|
Top 2% in tier |
| Efficiency Ratio ? |
40.98%
+13.0% YoY
+2.0% QoQ
|
-26.74% |
67.73%
-4.8% YoY
|
63.62%
-4.9% YoY
|
65.09%
-5.1% YoY
|
Top 2% in tier |
| Delinquency Rate ? |
0.17%
+657.4% YoY
+17.4% QoQ
|
-0.47% |
0.64%
+24.4% YoY
|
0.95%
+12.2% YoY
|
0.66%
+20.3% YoY
|
64% |
| Loan-to-Deposit Ratio ? |
66.82%
-7.8% YoY
+9.8% QoQ
|
-7.71% |
74.53%
+0.5% YoY
|
75.78%
+1.6% YoY
|
78.04%
+0.7% YoY
|
34% |
| Non-Interest-Bearing Deposit Share ? |
36.83%
-9.7% YoY
-4.2% QoQ
|
+14.44% |
22.39%
-1.3% YoY
|
23.21%
-2.4% YoY
|
21.79%
-1.3% YoY
|
Top 10% in tier |
| Nonperforming Asset Ratio ? |
0.10%
+593.4% YoY
+27.3% QoQ
|
-0.36% |
0.45%
+25.1% YoY
|
0.71%
+9.7% YoY
|
0.48%
+20.8% YoY
|
68% |
| Tier 1 Capital Ratio ? |
24.51%
+17.4% YoY
+1.0% QoQ
|
+15.66% |
8.85%
-3.4% YoY
|
7.74%
-5.6% YoY
|
9.75%
-1.9% YoY
|
Top 7% in tier |
| Non-Interest Income / Assets ? |
0.46%
-13.0% YoY
+43.1% QoQ
|
-0.10% |
0.56%
+0.3% YoY
|
0.68%
-3.1% YoY
|
0.65%
+0.6% YoY
|
65% |
Signature Analysis
Strengths (5)
Return on Assets
metric
Top 1%
in Micro
Why this stands out
Current:
3.58%
(Tier avg: 1.08%, National avg: 1.12%)
Net Interest Margin
metric
Top 2%
in Micro
Why this stands out
Current:
5.93%
(Tier avg: 3.85%, National avg: 3.75%)
Efficiency Ratio
metric
Top 2%
in Micro
Why this stands out
Current:
40.98%
(Tier avg: 67.73%, National avg: 65.09%)
Non-Interest-Bearing Deposit Share
metric
Top 10%
in Micro
Why this stands out
Current:
36.83%
(Tier avg: 22.39%, National avg: 21.79%)
Tier 1 Capital Ratio
metric
Top 7%
in Micro
Why this stands out
Current:
24.51%
(Tier avg: 8.85%, National avg: 9.75%)
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
99
99th pctile
Return on Assets
Current: 3.58% · Tier avg: 1.08%
98
98th pctile
Efficiency Ratio
Current: 40.98% · Tier avg: 67.73%
98
98th pctile
Net Interest Margin
Current: 5.93% · Tier avg: 3.85%
93
93th pctile
Tier 1 Capital Ratio
Current: 24.51% · Tier avg: 8.85%
90
90th pctile
Non-Interest-Bearing Deposit Share
Current: 36.83% · Tier avg: 22.39%
68
68th pctile
Nonperforming Asset Ratio
Current: 0.10% · Tier avg: 0.45%
65
65th pctile
Non-Interest Income / Assets
Current: 0.46% · Tier avg: 0.56%
64
64th pctile
Delinquency Rate
Current: 0.17% · Tier avg: 0.64%
34
34th pctile
Loan-to-Deposit Ratio
Current: 66.82% · Tier avg: 74.53%
26
26th pctile
Total Deposits
Current: $92.3M · Tier avg: $183.7M
25
25th pctile
Total Assets
Current: $110.1M · Tier avg: $217.5M
25
25th pctile
Total Loans
Current: $61.7M · Tier avg: $139.2M
Top Weaknesses
25
25th pctile
Total Loans
Current: $61.7M · Tier avg: $139.2M
25
25th pctile
Total Assets
Current: $110.1M · Tier avg: $217.5M
26
26th pctile
Total Deposits
Current: $92.3M · Tier avg: $183.7M
34
34th pctile
Loan-to-Deposit Ratio
Current: 66.82% · Tier avg: 74.53%
64
64th pctile
Delinquency Rate
Current: 0.17% · Tier avg: 0.64%
65
65th pctile
Non-Interest Income / Assets
Current: 0.46% · Tier avg: 0.56%
68
68th pctile
Nonperforming Asset Ratio
Current: 0.10% · Tier avg: 0.45%
90
90th pctile
Non-Interest-Bearing Deposit Share
Current: 36.83% · Tier avg: 22.39%
93
93th pctile
Tier 1 Capital Ratio
Current: 24.51% · Tier avg: 8.85%
98
98th pctile
Net Interest Margin
Current: 5.93% · Tier avg: 3.85%
98
98th pctile
Efficiency Ratio
Current: 40.98% · Tier avg: 67.73%
99
99th pctile
Return on Assets
Current: 3.58% · Tier avg: 1.08%