BlastPoint's Banking Scorecard
The First National Bank of Hooker
Micro
Specialty: Agricultural
OK
FDIC cert 4123
Designations: ✓ Community bank
Hooker, OK
2498
banks in Micro tier nationally
121 in OK
View Micro leaderboard (OK) →
The First National Bank of Hooker has 2 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Tier 1 Capital Ratio 15.09% above tier
- + Non-Interest Income / Assets 0.39% above tier
Key Concerns
Areas that may need attention
- - Nonperforming Asset Ratio 1.35% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$89.5M
+0.6% YoY
-2.2% QoQ
|
-$128.0M |
$217.5M
+2.3% YoY
|
$1.2B
+6.0% YoY
|
$5.9B
+6.5% YoY
|
19% |
| Total Loans ? |
$56.7M
+0.1% YoY
-2.5% QoQ
|
-$82.5M |
$139.2M
+2.8% YoY
|
$796.2M
+5.4% YoY
|
$3.1B
+8.5% YoY
|
23% |
| Total Deposits ? |
$73.9M
-2.2% YoY
+4.5% QoQ
|
-$109.7M |
$183.7M
+1.8% YoY
|
$938.6M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
19% |
| Return on Assets ? |
1.28%
+11.9% YoY
+0.8% QoQ
|
+0.19% |
1.08%
+14.7% YoY
|
1.36%
+10.0% YoY
|
1.12%
+15.6% YoY
|
64% |
| Net Interest Margin ? |
4.32%
+7.8% YoY
-0.0% QoQ
|
+0.47% |
3.85%
+6.6% YoY
|
4.26%
+3.2% YoY
|
3.75%
+7.1% YoY
|
73% |
| Efficiency Ratio ? |
61.27%
-10.0% YoY
+3.0% QoQ
|
-6.45% |
67.73%
-4.8% YoY
|
63.62%
-4.9% YoY
|
65.09%
-5.1% YoY
|
63% |
| Delinquency Rate ? |
2.37%
-39.2% YoY
+2.4% QoQ
|
+1.73% |
0.64%
+24.4% YoY
|
0.95%
+12.2% YoY
|
0.66%
+20.3% YoY
|
Bottom 10% in tier |
| Loan-to-Deposit Ratio ? |
76.69%
+2.3% YoY
-6.8% QoQ
|
+2.17% |
74.53%
+0.5% YoY
|
75.78%
+1.6% YoY
|
78.04%
+0.7% YoY
|
51% |
| Non-Interest-Bearing Deposit Share ? |
24.89%
-10.7% YoY
-2.9% QoQ
|
+2.50% |
22.39%
-1.3% YoY
|
23.21%
-2.4% YoY
|
21.79%
-1.3% YoY
|
63% |
| Nonperforming Asset Ratio ? |
1.81%
-29.1% YoY
-11.7% QoQ
|
+1.35% |
0.45%
+25.1% YoY
|
0.71%
+9.7% YoY
|
0.48%
+20.8% YoY
|
Bottom 8% in tier |
| Tier 1 Capital Ratio ? |
23.94%
+7.6% YoY
+4.1% QoQ
|
+15.09% |
8.85%
-3.4% YoY
|
7.74%
-5.6% YoY
|
9.75%
-1.9% YoY
|
Top 8% in tier |
| Non-Interest Income / Assets ? |
0.95%
+78.8% YoY
+38.2% QoQ
|
+0.39% |
0.56%
+0.3% YoY
|
0.68%
-3.1% YoY
|
0.65%
+0.6% YoY
|
Top 9% in tier |
Signature Analysis
Strengths (2)
Tier 1 Capital Ratio
metric
Top 8%
in Micro
Why this stands out
Current:
23.94%
(Tier avg: 8.85%, National avg: 9.75%)
Non-Interest Income / Assets
metric
Top 9%
in Micro
Why this stands out
Current:
0.95%
(Tier avg: 0.56%, National avg: 0.65%)
Concerns (1)
Nonperforming Asset Ratio
metric
Bottom 8%
in Micro
Why this stands out
Current:
1.81%
(Tier avg: 0.45%, National avg: 0.48%)
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
92
92th pctile
Tier 1 Capital Ratio
Current: 23.94% · Tier avg: 8.85%
91
91th pctile
Non-Interest Income / Assets
Current: 0.95% · Tier avg: 0.56%
73
73th pctile
Net Interest Margin
Current: 4.32% · Tier avg: 3.85%
64
64th pctile
Return on Assets
Current: 1.28% · Tier avg: 1.08%
63
63th pctile
Efficiency Ratio
Current: 61.27% · Tier avg: 67.73%
63
63th pctile
Non-Interest-Bearing Deposit Share
Current: 24.89% · Tier avg: 22.39%
51
51th pctile
Loan-to-Deposit Ratio
Current: 76.69% · Tier avg: 74.53%
23
23th pctile
Total Loans
Current: $56.7M · Tier avg: $139.2M
19
19th pctile
Total Assets
Current: $89.5M · Tier avg: $217.5M
19
19th pctile
Total Deposits
Current: $73.9M · Tier avg: $183.7M
10
10th pctile
Delinquency Rate
Current: 2.37% · Tier avg: 0.64%
8
8th pctile
Nonperforming Asset Ratio
Current: 1.81% · Tier avg: 0.45%
Top Weaknesses
8
8th pctile
Nonperforming Asset Ratio
Current: 1.81% · Tier avg: 0.45%
10
10th pctile
Delinquency Rate
Current: 2.37% · Tier avg: 0.64%
19
19th pctile
Total Deposits
Current: $73.9M · Tier avg: $183.7M
19
19th pctile
Total Assets
Current: $89.5M · Tier avg: $217.5M
23
23th pctile
Total Loans
Current: $56.7M · Tier avg: $139.2M
51
51th pctile
Loan-to-Deposit Ratio
Current: 76.69% · Tier avg: 74.53%
63
63th pctile
Non-Interest-Bearing Deposit Share
Current: 24.89% · Tier avg: 22.39%
63
63th pctile
Efficiency Ratio
Current: 61.27% · Tier avg: 67.73%
64
64th pctile
Return on Assets
Current: 1.28% · Tier avg: 1.08%
73
73th pctile
Net Interest Margin
Current: 4.32% · Tier avg: 3.85%
91
91th pctile
Non-Interest Income / Assets
Current: 0.95% · Tier avg: 0.56%
92
92th pctile
Tier 1 Capital Ratio
Current: 23.94% · Tier avg: 8.85%