BlastPoint's Banking Scorecard
First National Bank of Oklahoma
Community
Specialty: Commercial
OK
FDIC cert 4211
Oklahoma City, OK
1484
banks in Community tier nationally
45 in OK
View Community leaderboard (OK) →
First National Bank of Oklahoma shows strong momentum with 1 strength and 10.1% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 15% in Community
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 ? |
$912.5M
+10.1% YoY
+1.8% QoQ
|
-$479.0M |
$1.4B
+2.0% YoY
|
$1.2B
+6.0% YoY
|
$5.9B
+6.5% YoY
|
44% |
| Total Loans ? |
$712.6M
+7.2% YoY
+1.1% QoQ
|
-$262.9M |
$975.5M
+2.4% YoY
|
$796.2M
+5.4% YoY
|
$3.1B
+8.5% YoY
|
51% |
| Total Deposits ? |
$792.0M
+10.5% YoY
+1.4% QoQ
|
-$372.6M |
$1.2B
+1.7% YoY
|
$938.6M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
46% |
| Return on Assets ? |
2.14%
+22.1% YoY
-2.8% QoQ
|
+0.97% |
1.16%
+17.2% YoY
|
1.36%
+10.0% YoY
|
1.12%
+15.6% YoY
|
Top 7% in tier |
| Net Interest Margin ? |
4.35%
+15.3% YoY
+0.6% QoQ
|
+0.69% |
3.66%
+9.1% YoY
|
4.26%
+3.2% YoY
|
3.75%
+7.1% YoY
|
83% |
| Efficiency Ratio ? |
47.44%
-10.0% YoY
+3.5% QoQ
|
-15.19% |
62.63%
-5.3% YoY
|
63.62%
-4.9% YoY
|
65.09%
-5.1% YoY
|
Top 11% in tier |
| Delinquency Rate ? |
1.11%
+53.7% YoY
-11.0% QoQ
|
+0.48% |
0.63%
+18.3% YoY
|
0.95%
+12.2% YoY
|
0.66%
+20.3% YoY
|
23% |
| Loan-to-Deposit Ratio ? |
89.98%
-3.0% YoY
-0.3% QoQ
|
+6.92% |
83.06%
+0.3% YoY
|
75.78%
+1.6% YoY
|
78.04%
+0.7% YoY
|
35% |
| Non-Interest-Bearing Deposit Share ? |
18.18%
-5.8% YoY
+0.1% QoQ
|
-2.86% |
21.05%
-0.9% YoY
|
23.21%
-2.4% YoY
|
21.79%
-1.3% YoY
|
40% |
| Nonperforming Asset Ratio ? |
0.87%
+49.6% YoY
-11.7% QoQ
|
+0.37% |
0.50%
+20.3% YoY
|
0.71%
+9.7% YoY
|
0.48%
+20.8% YoY
|
23% |
| Tier 1 Capital Ratio ? |
13.15%
+2.3% YoY
-1.1% QoQ
|
+2.90% |
10.24%
-0.6% YoY
|
7.74%
-5.6% YoY
|
9.75%
-1.9% YoY
|
60% |
| Non-Interest Income / Assets ? |
0.36%
+21.3% YoY
+29.7% QoQ
|
-0.38% |
0.74%
-1.3% YoY
|
0.68%
-3.1% YoY
|
0.65%
+0.6% YoY
|
31% |
Signature Analysis
Strengths (1)
Profitability Leader
growth
#58 of 371 · Top 15% in Community
Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Why this signature
Return on Assets:
2.14%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
444 nationally
→ Stable
+5 banks QoQ
|
QoQ rank declining
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
93
93th pctile
Return on Assets
Current: 2.14% · Tier avg: 1.16%
89
89th pctile
Efficiency Ratio
Current: 47.44% · Tier avg: 62.63%
83
83th pctile
Net Interest Margin
Current: 4.35% · Tier avg: 3.66%
60
60th pctile
Tier 1 Capital Ratio
Current: 13.15% · Tier avg: 10.24%
51
51th pctile
Total Loans
Current: $712.6M · Tier avg: $975.5M
46
46th pctile
Total Deposits
Current: $792.0M · Tier avg: $1.2B
44
44th pctile
Total Assets
Current: $912.5M · Tier avg: $1.4B
40
40th pctile
Non-Interest-Bearing Deposit Share
Current: 18.18% · Tier avg: 21.05%
35
35th pctile
Loan-to-Deposit Ratio
Current: 89.98% · Tier avg: 83.06%
31
31th pctile
Non-Interest Income / Assets
Current: 0.36% · Tier avg: 0.74%
23
23th pctile
Delinquency Rate
Current: 1.11% · Tier avg: 0.63%
23
23th pctile
Nonperforming Asset Ratio
Current: 0.87% · Tier avg: 0.50%
Top Weaknesses
23
23th pctile
Nonperforming Asset Ratio
Current: 0.87% · Tier avg: 0.50%
23
23th pctile
Delinquency Rate
Current: 1.11% · Tier avg: 0.63%
31
31th pctile
Non-Interest Income / Assets
Current: 0.36% · Tier avg: 0.74%
35
35th pctile
Loan-to-Deposit Ratio
Current: 89.98% · Tier avg: 83.06%
40
40th pctile
Non-Interest-Bearing Deposit Share
Current: 18.18% · Tier avg: 21.05%
44
44th pctile
Total Assets
Current: $912.5M · Tier avg: $1.4B
46
46th pctile
Total Deposits
Current: $792.0M · Tier avg: $1.2B
51
51th pctile
Total Loans
Current: $712.6M · Tier avg: $975.5M
60
60th pctile
Tier 1 Capital Ratio
Current: 13.15% · Tier avg: 10.24%
83
83th pctile
Net Interest Margin
Current: 4.35% · Tier avg: 3.66%
89
89th pctile
Efficiency Ratio
Current: 47.44% · Tier avg: 62.63%
93
93th pctile
Return on Assets
Current: 2.14% · Tier avg: 1.16%