BlastPoint's Banking Scorecard
First State Bank in Temple
Micro
Specialty: Agricultural
OK
FDIC cert 5999
Designations: ✓ Community bank
Temple, OK
2498
banks in Micro tier nationally
121 in OK
View Micro leaderboard (OK) →
First State Bank in Temple faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Delinquency Rate 6.54% above tier
- - Nonperforming Asset Ratio 2.91% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$25.6M
+8.1% YoY
-4.5% QoQ
|
-$191.9M |
$217.5M
+2.3% YoY
|
$1.2B
+6.0% YoY
|
$5.9B
+6.5% YoY
|
Bottom 2% in tier |
| Total Loans ? |
$12.0M
+27.3% YoY
+45.8% QoQ
|
-$127.2M |
$139.2M
+2.8% YoY
|
$796.2M
+5.4% YoY
|
$3.1B
+8.5% YoY
|
Bottom 4% in tier |
| Total Deposits ? |
$19.3M
-1.4% YoY
-13.2% QoQ
|
-$164.4M |
$183.7M
+1.8% YoY
|
$938.6M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
Bottom 2% in tier |
| Return on Assets ? |
0.55%
-34.8% YoY
-37.3% QoQ
|
-0.53% |
1.08%
+14.7% YoY
|
1.36%
+10.0% YoY
|
1.12%
+15.6% YoY
|
20% |
| Net Interest Margin ? |
3.53%
-2.4% YoY
+0.9% QoQ
|
-0.32% |
3.85%
+6.6% YoY
|
4.26%
+3.2% YoY
|
3.75%
+7.1% YoY
|
35% |
| Efficiency Ratio ? |
81.59%
+10.6% YoY
+13.7% QoQ
|
+13.86% |
67.73%
-4.8% YoY
|
63.62%
-4.9% YoY
|
65.09%
-5.1% YoY
|
18% |
| Delinquency Rate ? | 7.18% | +6.54% |
0.64%
+24.4% YoY
|
0.95%
+12.2% YoY
|
0.66%
+20.3% YoY
|
Bottom 1% in tier |
| Loan-to-Deposit Ratio ? |
62.42%
+29.2% YoY
+68.0% QoQ
|
-12.10% |
74.53%
+0.5% YoY
|
75.78%
+1.6% YoY
|
78.04%
+0.7% YoY
|
27% |
| Non-Interest-Bearing Deposit Share ? |
26.75%
+9.8% YoY
-10.3% QoQ
|
+4.35% |
22.39%
-1.3% YoY
|
23.21%
-2.4% YoY
|
21.79%
-1.3% YoY
|
69% |
| Nonperforming Asset Ratio ? | 3.37% | +2.91% |
0.45%
+25.1% YoY
|
0.71%
+9.7% YoY
|
0.48%
+20.8% YoY
|
Bottom 1% in tier |
| 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 ? |
0.12%
-15.9% YoY
+42.9% QoQ
|
-0.45% |
0.56%
+0.3% YoY
|
0.68%
-3.1% YoY
|
0.65%
+0.6% YoY
|
Bottom 10% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Delinquency Rate
metric
Bottom 1%
in Micro
Why this stands out
Current:
7.18%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 1%
in Micro
Why this stands out
Current:
3.37%
(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
69
69th pctile
Non-Interest-Bearing Deposit Share
Current: 26.75% · Tier avg: 22.39%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
35
35th pctile
Net Interest Margin
Current: 3.53% · Tier avg: 3.85%
27
27th pctile
Loan-to-Deposit Ratio
Current: 62.42% · Tier avg: 74.53%
20
20th pctile
Return on Assets
Current: 0.55% · Tier avg: 1.08%
18
18th pctile
Efficiency Ratio
Current: 81.59% · Tier avg: 67.73%
10
10th pctile
Non-Interest Income / Assets
Current: 0.12% · Tier avg: 0.56%
4
4th pctile
Total Loans
Current: $12.0M · Tier avg: $139.2M
2
2th pctile
Total Deposits
Current: $19.3M · Tier avg: $183.7M
2
2th pctile
Total Assets
Current: $25.6M · Tier avg: $217.5M
0
0th pctile
Delinquency Rate
Current: 7.18% · Tier avg: 0.64%
0
0th pctile
Nonperforming Asset Ratio
Current: 3.37% · Tier avg: 0.45%
Top Weaknesses
0
0th pctile
Nonperforming Asset Ratio
Current: 3.37% · Tier avg: 0.45%
0
0th pctile
Delinquency Rate
Current: 7.18% · Tier avg: 0.64%
2
2th pctile
Total Assets
Current: $25.6M · Tier avg: $217.5M
2
2th pctile
Total Deposits
Current: $19.3M · Tier avg: $183.7M
4
4th pctile
Total Loans
Current: $12.0M · Tier avg: $139.2M
10
10th pctile
Non-Interest Income / Assets
Current: 0.12% · Tier avg: 0.56%
18
18th pctile
Efficiency Ratio
Current: 81.59% · Tier avg: 67.73%
20
20th pctile
Return on Assets
Current: 0.55% · Tier avg: 1.08%
27
27th pctile
Loan-to-Deposit Ratio
Current: 62.42% · Tier avg: 74.53%
35
35th pctile
Net Interest Margin
Current: 3.53% · Tier avg: 3.85%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
69
69th pctile
Non-Interest-Bearing Deposit Share
Current: 26.75% · Tier avg: 22.39%