BlastPoint's Banking Scorecard
The First National Bank of Fletcher
Micro
Specialty: Other
OK
FDIC cert 4098
Designations: ✓ Community bank
Fletcher, OK
2498
banks in Micro tier nationally
121 in OK
View Micro leaderboard (OK) →
The First National Bank of Fletcher demonstrates 3 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Loan-to-Deposit Ratio 53.97% below tier
- + Nonperforming Asset Ratio 0.45% 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 ? |
$22.2M
+3.0% YoY
-4.0% QoQ
|
-$195.3M |
$217.5M
+2.3% YoY
|
$1.2B
+6.0% YoY
|
$5.9B
+6.5% YoY
|
Bottom 1% in tier |
| Total Loans ? |
$4.1M
+13.0% YoY
+0.0% QoQ
|
-$135.1M |
$139.2M
+2.8% YoY
|
$796.2M
+5.4% YoY
|
$3.1B
+8.5% YoY
|
Bottom 2% in tier |
| Total Deposits ? |
$20.1M
+2.8% YoY
-3.8% QoQ
|
-$163.6M |
$183.7M
+1.8% YoY
|
$938.6M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
Bottom 3% in tier |
| Return on Assets ? |
0.61%
+23.5% YoY
-38.3% QoQ
|
-0.47% |
1.08%
+14.7% YoY
|
1.36%
+10.0% YoY
|
1.12%
+15.6% YoY
|
23% |
| Net Interest Margin ? |
4.04%
+2.6% YoY
-0.3% QoQ
|
+0.19% |
3.85%
+6.6% YoY
|
4.26%
+3.2% YoY
|
3.75%
+7.1% YoY
|
60% |
| Efficiency Ratio ? |
83.28%
-5.2% YoY
+9.1% QoQ
|
+15.55% |
67.73%
-4.8% YoY
|
63.62%
-4.9% YoY
|
65.09%
-5.1% YoY
|
15% |
| Delinquency Rate ? |
0.00%
-100.0% YoY
|
-0.64% |
0.64%
+24.4% YoY
|
0.95%
+12.2% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
20.55%
+10.0% YoY
+4.0% QoQ
|
-53.97% |
74.53%
+0.5% YoY
|
75.78%
+1.6% YoY
|
78.04%
+0.7% YoY
|
Top 1% in tier |
| Non-Interest-Bearing Deposit Share ? |
15.67%
+3.9% YoY
+9.0% QoQ
|
-6.72% |
22.39%
-1.3% YoY
|
23.21%
-2.4% YoY
|
21.79%
-1.3% YoY
|
25% |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% YoY
|
-0.45% |
0.45%
+25.1% YoY
|
0.71%
+9.7% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? |
0.00%
-100.0% YoY
|
-8.85% |
8.85%
-3.4% YoY
|
7.74%
-5.6% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.51%
-27.7% YoY
+32.0% QoQ
|
-0.05% |
0.56%
+0.3% YoY
|
0.68%
-3.1% YoY
|
0.65%
+0.6% YoY
|
70% |
Signature Analysis
Strengths (3)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Loan-to-Deposit Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
20.55%
(Tier avg: 74.53%, National avg: 78.04%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
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
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
99
99th pctile
Loan-to-Deposit Ratio
Current: 20.55% · Tier avg: 74.53%
70
70th pctile
Non-Interest Income / Assets
Current: 0.51% · Tier avg: 0.56%
60
60th pctile
Net Interest Margin
Current: 4.04% · Tier avg: 3.85%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
25
25th pctile
Non-Interest-Bearing Deposit Share
Current: 15.67% · Tier avg: 22.39%
23
23th pctile
Return on Assets
Current: 0.61% · Tier avg: 1.08%
15
15th pctile
Efficiency Ratio
Current: 83.28% · Tier avg: 67.73%
3
3th pctile
Total Deposits
Current: $20.1M · Tier avg: $183.7M
2
2th pctile
Total Loans
Current: $4.1M · Tier avg: $139.2M
1
1th pctile
Total Assets
Current: $22.2M · Tier avg: $217.5M
Top Weaknesses
1
1th pctile
Total Assets
Current: $22.2M · Tier avg: $217.5M
2
2th pctile
Total Loans
Current: $4.1M · Tier avg: $139.2M
3
3th pctile
Total Deposits
Current: $20.1M · Tier avg: $183.7M
15
15th pctile
Efficiency Ratio
Current: 83.28% · Tier avg: 67.73%
23
23th pctile
Return on Assets
Current: 0.61% · Tier avg: 1.08%
25
25th pctile
Non-Interest-Bearing Deposit Share
Current: 15.67% · Tier avg: 22.39%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
60
60th pctile
Net Interest Margin
Current: 4.04% · Tier avg: 3.85%
70
70th pctile
Non-Interest Income / Assets
Current: 0.51% · Tier avg: 0.56%
99
99th pctile
Loan-to-Deposit Ratio
Current: 20.55% · Tier avg: 74.53%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%