BlastPoint's Banking Scorecard
1st Bank in Hominy
Micro
Specialty: Other
OK
FDIC cert 4122
Designations: ✓ Community bank
Hominy, OK
2498
banks in Micro tier nationally
121 in OK
View Micro leaderboard (OK) →
1st Bank in Hominy faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 32.35% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$42.7M
-1.2% YoY
-0.2% QoQ
|
-$174.8M |
$217.5M
+2.3% YoY
|
$1.2B
+6.0% YoY
|
$5.9B
+6.5% YoY
|
Bottom 5% in tier |
| Total Loans ? |
$16.4M
+0.7% YoY
+1.5% QoQ
|
-$122.8M |
$139.2M
+2.8% YoY
|
$796.2M
+5.4% YoY
|
$3.1B
+8.5% YoY
|
Bottom 5% in tier |
| Total Deposits ? |
$38.9M
-4.3% YoY
-0.7% QoQ
|
-$144.7M |
$183.7M
+1.8% YoY
|
$938.6M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
Bottom 7% in tier |
| Return on Assets ? |
0.89%
+439.8% YoY
+17.5% QoQ
|
-0.20% |
1.08%
+14.7% YoY
|
1.36%
+10.0% YoY
|
1.12%
+15.6% YoY
|
39% |
| Net Interest Margin ? |
4.46%
+54.2% YoY
+0.6% QoQ
|
+0.61% |
3.85%
+6.6% YoY
|
4.26%
+3.2% YoY
|
3.75%
+7.1% YoY
|
78% |
| Efficiency Ratio ? |
70.02%
-24.6% YoY
-0.5% QoQ
|
+2.29% |
67.73%
-4.8% YoY
|
63.62%
-4.9% YoY
|
65.09%
-5.1% YoY
|
40% |
| Delinquency Rate ? |
0.18%
-62.8% YoY
+146.3% QoQ
|
-0.46% |
0.64%
+24.4% YoY
|
0.95%
+12.2% YoY
|
0.66%
+20.3% YoY
|
63% |
| Loan-to-Deposit Ratio ? |
42.17%
+5.2% YoY
+2.2% QoQ
|
-32.35% |
74.53%
+0.5% YoY
|
75.78%
+1.6% YoY
|
78.04%
+0.7% YoY
|
Bottom 7% in tier |
| Non-Interest-Bearing Deposit Share ? |
31.30%
+23.4% YoY
+6.2% QoQ
|
+8.90% |
22.39%
-1.3% YoY
|
23.21%
-2.4% YoY
|
21.79%
-1.3% YoY
|
82% |
| Nonperforming Asset Ratio ? |
0.15%
-74.9% YoY
+39.5% QoQ
|
-0.30% |
0.45%
+25.1% YoY
|
0.71%
+9.7% YoY
|
0.48%
+20.8% YoY
|
62% |
| 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 ? |
0.34%
-11.7% YoY
+27.7% QoQ
|
-0.22% |
0.56%
+0.3% YoY
|
0.68%
-3.1% YoY
|
0.65%
+0.6% YoY
|
47% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Loan-to-Deposit Ratio
metric
Bottom 7%
in Micro
Why this stands out
Current:
42.17%
(Tier avg: 74.53%, National avg: 78.04%)
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
82
82th pctile
Non-Interest-Bearing Deposit Share
Current: 31.30% · Tier avg: 22.39%
78
78th pctile
Net Interest Margin
Current: 4.46% · Tier avg: 3.85%
63
63th pctile
Delinquency Rate
Current: 0.18% · Tier avg: 0.64%
62
62th pctile
Nonperforming Asset Ratio
Current: 0.15% · Tier avg: 0.45%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
47
47th pctile
Non-Interest Income / Assets
Current: 0.34% · Tier avg: 0.56%
40
40th pctile
Efficiency Ratio
Current: 70.02% · Tier avg: 67.73%
39
39th pctile
Return on Assets
Current: 0.89% · Tier avg: 1.08%
7
7th pctile
Loan-to-Deposit Ratio
Current: 42.17% · Tier avg: 74.53%
7
7th pctile
Total Deposits
Current: $38.9M · Tier avg: $183.7M
5
5th pctile
Total Loans
Current: $16.4M · Tier avg: $139.2M
5
5th pctile
Total Assets
Current: $42.7M · Tier avg: $217.5M
Top Weaknesses
5
5th pctile
Total Assets
Current: $42.7M · Tier avg: $217.5M
5
5th pctile
Total Loans
Current: $16.4M · Tier avg: $139.2M
7
7th pctile
Total Deposits
Current: $38.9M · Tier avg: $183.7M
7
7th pctile
Loan-to-Deposit Ratio
Current: 42.17% · Tier avg: 74.53%
39
39th pctile
Return on Assets
Current: 0.89% · Tier avg: 1.08%
40
40th pctile
Efficiency Ratio
Current: 70.02% · Tier avg: 67.73%
47
47th pctile
Non-Interest Income / Assets
Current: 0.34% · Tier avg: 0.56%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
62
62th pctile
Nonperforming Asset Ratio
Current: 0.15% · Tier avg: 0.45%
63
63th pctile
Delinquency Rate
Current: 0.18% · Tier avg: 0.64%
78
78th pctile
Net Interest Margin
Current: 4.46% · Tier avg: 3.85%
82
82th pctile
Non-Interest-Bearing Deposit Share
Current: 31.30% · Tier avg: 22.39%