BlastPoint's Banking Scorecard
First National Bank
Micro
Specialty: Agricultural
OK
FDIC cert 4111
Designations: ✓ Community bank
Heavener, OK
2498
banks in Micro tier nationally
121 in OK
View Micro leaderboard (OK) →
First National Bank demonstrates 1 strength
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 2.41% 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 ? |
$101.5M
-0.2% YoY
-4.0% QoQ
|
-$116.0M |
$217.5M
+2.3% YoY
|
$1.2B
+6.0% YoY
|
$5.9B
+6.5% YoY
|
23% |
| Total Loans ? |
$72.5M
-0.3% YoY
+5.3% QoQ
|
-$66.7M |
$139.2M
+2.8% YoY
|
$796.2M
+5.4% YoY
|
$3.1B
+8.5% YoY
|
30% |
| Total Deposits ? |
$87.8M
-1.9% YoY
-4.9% QoQ
|
-$95.8M |
$183.7M
+1.8% YoY
|
$938.6M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
24% |
| Return on Assets ? |
1.56%
+5.4% YoY
+0.2% QoQ
|
+0.47% |
1.08%
+14.7% YoY
|
1.36%
+10.0% YoY
|
1.12%
+15.6% YoY
|
77% |
| Net Interest Margin ? |
6.26%
+1.4% YoY
+2.2% QoQ
|
+2.41% |
3.85%
+6.6% YoY
|
4.26%
+3.2% YoY
|
3.75%
+7.1% YoY
|
Top 1% in tier |
| Efficiency Ratio ? |
67.39%
-1.9% YoY
+0.5% QoQ
|
-0.34% |
67.73%
-4.8% YoY
|
63.62%
-4.9% YoY
|
65.09%
-5.1% YoY
|
47% |
| Delinquency Rate ? |
0.87%
+2.9% YoY
-28.6% QoQ
|
+0.23% |
0.64%
+24.4% YoY
|
0.95%
+12.2% YoY
|
0.66%
+20.3% YoY
|
32% |
| Loan-to-Deposit Ratio ? |
82.52%
+1.6% YoY
+10.7% QoQ
|
+7.99% |
74.53%
+0.5% YoY
|
75.78%
+1.6% YoY
|
78.04%
+0.7% YoY
|
63% |
| Non-Interest-Bearing Deposit Share ? |
35.77%
-1.8% YoY
-5.7% QoQ
|
+13.37% |
22.39%
-1.3% YoY
|
23.21%
-2.4% YoY
|
21.79%
-1.3% YoY
|
Top 11% in tier |
| Nonperforming Asset Ratio ? |
0.62%
+2.8% YoY
-21.7% QoQ
|
+0.17% |
0.45%
+25.1% YoY
|
0.71%
+9.7% YoY
|
0.48%
+20.8% YoY
|
31% |
| Tier 1 Capital Ratio ? |
14.34%
-3.1% YoY
-14.7% QoQ
|
+5.49% |
8.85%
-3.4% YoY
|
7.74%
-5.6% YoY
|
9.75%
-1.9% YoY
|
70% |
| Non-Interest Income / Assets ? |
0.84%
-1.2% YoY
+41.1% QoQ
|
+0.28% |
0.56%
+0.3% YoY
|
0.68%
-3.1% YoY
|
0.65%
+0.6% YoY
|
Top 11% in tier |
Signature Analysis
Strengths (1)
Net Interest Margin
metric
Top 1%
in Micro
Why this stands out
Current:
6.26%
(Tier avg: 3.85%, National avg: 3.75%)
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
Net Interest Margin
Current: 6.26% · Tier avg: 3.85%
89
89th pctile
Non-Interest-Bearing Deposit Share
Current: 35.77% · Tier avg: 22.39%
89
89th pctile
Non-Interest Income / Assets
Current: 0.84% · Tier avg: 0.56%
77
77th pctile
Return on Assets
Current: 1.56% · Tier avg: 1.08%
70
70th pctile
Tier 1 Capital Ratio
Current: 14.34% · Tier avg: 8.85%
63
63th pctile
Loan-to-Deposit Ratio
Current: 82.52% · Tier avg: 74.53%
47
47th pctile
Efficiency Ratio
Current: 67.39% · Tier avg: 67.73%
32
32th pctile
Delinquency Rate
Current: 0.87% · Tier avg: 0.64%
31
31th pctile
Nonperforming Asset Ratio
Current: 0.62% · Tier avg: 0.45%
30
30th pctile
Total Loans
Current: $72.5M · Tier avg: $139.2M
24
24th pctile
Total Deposits
Current: $87.8M · Tier avg: $183.7M
23
23th pctile
Total Assets
Current: $101.5M · Tier avg: $217.5M
Top Weaknesses
23
23th pctile
Total Assets
Current: $101.5M · Tier avg: $217.5M
24
24th pctile
Total Deposits
Current: $87.8M · Tier avg: $183.7M
30
30th pctile
Total Loans
Current: $72.5M · Tier avg: $139.2M
31
31th pctile
Nonperforming Asset Ratio
Current: 0.62% · Tier avg: 0.45%
32
32th pctile
Delinquency Rate
Current: 0.87% · Tier avg: 0.64%
47
47th pctile
Efficiency Ratio
Current: 67.39% · Tier avg: 67.73%
63
63th pctile
Loan-to-Deposit Ratio
Current: 82.52% · Tier avg: 74.53%
70
70th pctile
Tier 1 Capital Ratio
Current: 14.34% · Tier avg: 8.85%
77
77th pctile
Return on Assets
Current: 1.56% · Tier avg: 1.08%
89
89th pctile
Non-Interest Income / Assets
Current: 0.84% · Tier avg: 0.56%
89
89th pctile
Non-Interest-Bearing Deposit Share
Current: 35.77% · Tier avg: 22.39%
99
99th pctile
Net Interest Margin
Current: 6.26% · Tier avg: 3.85%