BlastPoint's Banking Scorecard
First Bank of Thomas
Micro
Specialty: Commercial
OK
FDIC cert 4209
Designations: ✓ Community bank
Thomas, OK
2498
banks in Micro tier nationally
121 in OK
View Micro leaderboard (OK) →
First Bank of Thomas shows strong momentum with 1 strength and 7.0% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Tier 1 Capital Ratio 19.80% 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 ? |
$53.2M
+7.0% YoY
-0.5% QoQ
|
-$164.3M |
$217.5M
+2.3% YoY
|
$1.2B
+6.0% YoY
|
$5.9B
+6.5% YoY
|
Bottom 8% in tier |
| Total Loans ? |
$29.8M
+24.2% YoY
+3.2% QoQ
|
-$109.4M |
$139.2M
+2.8% YoY
|
$796.2M
+5.4% YoY
|
$3.1B
+8.5% YoY
|
Bottom 10% in tier |
| Total Deposits ? |
$45.4M
+7.2% YoY
-0.9% QoQ
|
-$138.3M |
$183.7M
+1.8% YoY
|
$938.6M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
Bottom 9% in tier |
| Return on Assets ? |
1.32%
+35.5% YoY
-2.9% QoQ
|
+0.23% |
1.08%
+14.7% YoY
|
1.36%
+10.0% YoY
|
1.12%
+15.6% YoY
|
66% |
| Net Interest Margin ? |
3.63%
+2.4% YoY
+0.4% QoQ
|
-0.22% |
3.85%
+6.6% YoY
|
4.26%
+3.2% YoY
|
3.75%
+7.1% YoY
|
41% |
| Efficiency Ratio ? |
62.92%
-11.2% YoY
+1.7% QoQ
|
-4.81% |
67.73%
-4.8% YoY
|
63.62%
-4.9% YoY
|
65.09%
-5.1% YoY
|
59% |
| Delinquency Rate ? |
1.85%
+2.9% YoY
-3.6% QoQ
|
+1.21% |
0.64%
+24.4% YoY
|
0.95%
+12.2% YoY
|
0.66%
+20.3% YoY
|
Bottom 14% in tier |
| Loan-to-Deposit Ratio ? |
65.58%
+15.9% YoY
+4.1% QoQ
|
-8.95% |
74.53%
+0.5% YoY
|
75.78%
+1.6% YoY
|
78.04%
+0.7% YoY
|
32% |
| Non-Interest-Bearing Deposit Share ? |
21.04%
-21.1% YoY
-8.6% QoQ
|
-1.35% |
22.39%
-1.3% YoY
|
23.21%
-2.4% YoY
|
21.79%
-1.3% YoY
|
47% |
| Nonperforming Asset Ratio ? |
1.04%
+19.5% YoY
-0.1% QoQ
|
+0.58% |
0.45%
+25.1% YoY
|
0.71%
+9.7% YoY
|
0.48%
+20.8% YoY
|
18% |
| Tier 1 Capital Ratio ? |
28.65%
-11.0% YoY
+0.1% QoQ
|
+19.80% |
8.85%
-3.4% YoY
|
7.74%
-5.6% YoY
|
9.75%
-1.9% YoY
|
Top 5% in tier |
| Non-Interest Income / Assets ? |
0.30%
-7.7% YoY
+31.5% QoQ
|
-0.26% |
0.56%
+0.3% YoY
|
0.68%
-3.1% YoY
|
0.65%
+0.6% YoY
|
41% |
Signature Analysis
Strengths (1)
Tier 1 Capital Ratio
metric
Top 5%
in Micro
Why this stands out
Current:
28.65%
(Tier avg: 8.85%, National avg: 9.75%)
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
95
95th pctile
Tier 1 Capital Ratio
Current: 28.65% · Tier avg: 8.85%
66
66th pctile
Return on Assets
Current: 1.32% · Tier avg: 1.08%
59
59th pctile
Efficiency Ratio
Current: 62.92% · Tier avg: 67.73%
47
47th pctile
Non-Interest-Bearing Deposit Share
Current: 21.04% · Tier avg: 22.39%
41
41th pctile
Non-Interest Income / Assets
Current: 0.30% · Tier avg: 0.56%
41
41th pctile
Net Interest Margin
Current: 3.63% · Tier avg: 3.85%
32
32th pctile
Loan-to-Deposit Ratio
Current: 65.58% · Tier avg: 74.53%
18
18th pctile
Nonperforming Asset Ratio
Current: 1.04% · Tier avg: 0.45%
14
14th pctile
Delinquency Rate
Current: 1.85% · Tier avg: 0.64%
10
10th pctile
Total Loans
Current: $29.8M · Tier avg: $139.2M
9
9th pctile
Total Deposits
Current: $45.4M · Tier avg: $183.7M
8
8th pctile
Total Assets
Current: $53.2M · Tier avg: $217.5M
Top Weaknesses
8
8th pctile
Total Assets
Current: $53.2M · Tier avg: $217.5M
9
9th pctile
Total Deposits
Current: $45.4M · Tier avg: $183.7M
10
10th pctile
Total Loans
Current: $29.8M · Tier avg: $139.2M
14
14th pctile
Delinquency Rate
Current: 1.85% · Tier avg: 0.64%
18
18th pctile
Nonperforming Asset Ratio
Current: 1.04% · Tier avg: 0.45%
32
32th pctile
Loan-to-Deposit Ratio
Current: 65.58% · Tier avg: 74.53%
41
41th pctile
Net Interest Margin
Current: 3.63% · Tier avg: 3.85%
41
41th pctile
Non-Interest Income / Assets
Current: 0.30% · Tier avg: 0.56%
47
47th pctile
Non-Interest-Bearing Deposit Share
Current: 21.04% · Tier avg: 22.39%
59
59th pctile
Efficiency Ratio
Current: 62.92% · Tier avg: 67.73%
66
66th pctile
Return on Assets
Current: 1.32% · Tier avg: 1.08%
95
95th pctile
Tier 1 Capital Ratio
Current: 28.65% · Tier avg: 8.85%