BlastPoint's Banking Scorecard
The First National Bank and Trust Company of Miami
Micro
Specialty: Agricultural
OK
FDIC cert 4148
Designations: ✓ Community bank
Miami, OK
2498
banks in Micro tier nationally
121 in OK
View Micro leaderboard (OK) →
The First National Bank and Trust Company of Miami demonstrates 2 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 2.06% above tier
- + Non-Interest-Bearing Deposit Share 22.21% 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 ? |
$207.1M
+2.5% YoY
-2.2% QoQ
|
-$10.4M |
$217.5M
+2.3% YoY
|
$1.2B
+6.0% YoY
|
$5.9B
+6.5% YoY
|
53% |
| Total Loans ? |
$129.1M
+15.3% YoY
+7.4% QoQ
|
-$10.0M |
$139.2M
+2.8% YoY
|
$796.2M
+5.4% YoY
|
$3.1B
+8.5% YoY
|
53% |
| Total Deposits ? |
$179.6M
+2.2% YoY
-1.7% QoQ
|
-$4.1M |
$183.7M
+1.8% YoY
|
$938.6M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
54% |
| Return on Assets ? |
1.03%
-60.8% YoY
-52.8% QoQ
|
-0.05% |
1.08%
+14.7% YoY
|
1.36%
+10.0% YoY
|
1.12%
+15.6% YoY
|
48% |
| Net Interest Margin ? |
5.92%
-4.4% YoY
-0.2% QoQ
|
+2.06% |
3.85%
+6.6% YoY
|
4.26%
+3.2% YoY
|
3.75%
+7.1% YoY
|
Top 2% in tier |
| Efficiency Ratio ? |
78.33%
+83.5% YoY
+58.7% QoQ
|
+10.61% |
67.73%
-4.8% YoY
|
63.62%
-4.9% YoY
|
65.09%
-5.1% YoY
|
23% |
| Delinquency Rate ? |
0.80%
+223.4% YoY
+229.5% QoQ
|
+0.16% |
0.64%
+24.4% YoY
|
0.95%
+12.2% YoY
|
0.66%
+20.3% YoY
|
34% |
| Loan-to-Deposit Ratio ? |
71.91%
+12.8% YoY
+9.3% QoQ
|
-2.62% |
74.53%
+0.5% YoY
|
75.78%
+1.6% YoY
|
78.04%
+0.7% YoY
|
58% |
| Non-Interest-Bearing Deposit Share ? |
44.61%
-5.3% YoY
-3.8% QoQ
|
+22.21% |
22.39%
-1.3% YoY
|
23.21%
-2.4% YoY
|
21.79%
-1.3% YoY
|
Top 4% in tier |
| Nonperforming Asset Ratio ? |
0.50%
+263.9% YoY
+262.0% QoQ
|
+0.05% |
0.45%
+25.1% YoY
|
0.71%
+9.7% YoY
|
0.48%
+20.8% YoY
|
37% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
7.74%
-5.6% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.51%
-4.5% YoY
+37.7% QoQ
|
-0.06% |
0.56%
+0.3% YoY
|
0.68%
-3.1% YoY
|
0.65%
+0.6% YoY
|
69% |
Signature Analysis
Strengths (2)
Net Interest Margin
metric
Top 2%
in Micro
Why this stands out
Current:
5.92%
(Tier avg: 3.85%, National avg: 3.75%)
Non-Interest-Bearing Deposit Share
metric
Top 4%
in Micro
Why this stands out
Current:
44.61%
(Tier avg: 22.39%, National avg: 21.79%)
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
98
98th pctile
Net Interest Margin
Current: 5.92% · Tier avg: 3.85%
96
96th pctile
Non-Interest-Bearing Deposit Share
Current: 44.61% · Tier avg: 22.39%
69
69th pctile
Non-Interest Income / Assets
Current: 0.51% · Tier avg: 0.56%
58
58th pctile
Loan-to-Deposit Ratio
Current: 71.91% · Tier avg: 74.53%
54
54th pctile
Total Deposits
Current: $179.6M · Tier avg: $183.7M
53
53th pctile
Total Assets
Current: $207.1M · Tier avg: $217.5M
53
53th pctile
Total Loans
Current: $129.1M · Tier avg: $139.2M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
48
48th pctile
Return on Assets
Current: 1.03% · Tier avg: 1.08%
37
37th pctile
Nonperforming Asset Ratio
Current: 0.50% · Tier avg: 0.45%
34
34th pctile
Delinquency Rate
Current: 0.80% · Tier avg: 0.64%
23
23th pctile
Efficiency Ratio
Current: 78.33% · Tier avg: 67.73%
Top Weaknesses
23
23th pctile
Efficiency Ratio
Current: 78.33% · Tier avg: 67.73%
34
34th pctile
Delinquency Rate
Current: 0.80% · Tier avg: 0.64%
37
37th pctile
Nonperforming Asset Ratio
Current: 0.50% · Tier avg: 0.45%
48
48th pctile
Return on Assets
Current: 1.03% · Tier avg: 1.08%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
53
53th pctile
Total Loans
Current: $129.1M · Tier avg: $139.2M
53
53th pctile
Total Assets
Current: $207.1M · Tier avg: $217.5M
54
54th pctile
Total Deposits
Current: $179.6M · Tier avg: $183.7M
58
58th pctile
Loan-to-Deposit Ratio
Current: 71.91% · Tier avg: 74.53%
69
69th pctile
Non-Interest Income / Assets
Current: 0.51% · Tier avg: 0.56%
96
96th pctile
Non-Interest-Bearing Deposit Share
Current: 44.61% · Tier avg: 22.39%
98
98th pctile
Net Interest Margin
Current: 5.92% · Tier avg: 3.85%