BlastPoint's Banking Scorecard
First State Bank
Micro
Specialty: Other
OK
FDIC cert 9879
Designations: ✓ Community bank
Noble, OK
2498
banks in Micro tier nationally
121 in OK
View Micro leaderboard (OK) →
First State Bank shows strong momentum with 1 strength and 10.5% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 38.08% below 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 ? |
$52.5M
+10.5% YoY
+2.6% QoQ
|
-$165.0M |
$217.5M
+2.3% YoY
|
$1.2B
+6.0% YoY
|
$5.9B
+6.5% YoY
|
Bottom 8% in tier |
| Total Loans ? |
$17.4M
-0.4% YoY
+2.1% QoQ
|
-$121.8M |
$139.2M
+2.8% YoY
|
$796.2M
+5.4% YoY
|
$3.1B
+8.5% YoY
|
Bottom 6% in tier |
| Total Deposits ? |
$47.7M
+10.3% YoY
+2.7% QoQ
|
-$135.9M |
$183.7M
+1.8% YoY
|
$938.6M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
Bottom 9% in tier |
| Return on Assets ? |
0.72%
-27.8% YoY
+8.3% QoQ
|
-0.37% |
1.08%
+14.7% YoY
|
1.36%
+10.0% YoY
|
1.12%
+15.6% YoY
|
29% |
| Net Interest Margin ? |
4.08%
-6.5% YoY
+0.2% QoQ
|
+0.23% |
3.85%
+6.6% YoY
|
4.26%
+3.2% YoY
|
3.75%
+7.1% YoY
|
62% |
| Efficiency Ratio ? |
81.75%
+9.9% YoY
-2.0% QoQ
|
+14.02% |
67.73%
-4.8% YoY
|
63.62%
-4.9% YoY
|
65.09%
-5.1% YoY
|
18% |
| Delinquency Rate ? |
0.35%
-84.9% YoY
-27.2% QoQ
|
-0.29% |
0.64%
+24.4% YoY
|
0.95%
+12.2% YoY
|
0.66%
+20.3% YoY
|
52% |
| Loan-to-Deposit Ratio ? |
36.45%
-9.7% YoY
-0.5% QoQ
|
-38.08% |
74.53%
+0.5% YoY
|
75.78%
+1.6% YoY
|
78.04%
+0.7% YoY
|
Top 4% in tier |
| Non-Interest-Bearing Deposit Share ? |
34.75%
-12.1% YoY
-3.8% QoQ
|
+12.36% |
22.39%
-1.3% YoY
|
23.21%
-2.4% YoY
|
21.79%
-1.3% YoY
|
Top 13% in tier |
| Nonperforming Asset Ratio ? |
0.12%
-86.4% YoY
-27.5% QoQ
|
-0.34% |
0.45%
+25.1% YoY
|
0.71%
+9.7% YoY
|
0.48%
+20.8% YoY
|
65% |
| 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 ? |
0.84%
-26.5% YoY
+36.4% QoQ
|
+0.28% |
0.56%
+0.3% YoY
|
0.68%
-3.1% YoY
|
0.65%
+0.6% YoY
|
Top 11% in tier |
Signature Analysis
Strengths (1)
Loan-to-Deposit Ratio
metric
Top 4%
in Micro
Why this stands out
Current:
36.45%
(Tier avg: 74.53%, National avg: 78.04%)
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
96
96th pctile
Loan-to-Deposit Ratio
Current: 36.45% · Tier avg: 74.53%
89
89th pctile
Non-Interest Income / Assets
Current: 0.84% · Tier avg: 0.56%
87
87th pctile
Non-Interest-Bearing Deposit Share
Current: 34.75% · Tier avg: 22.39%
65
65th pctile
Nonperforming Asset Ratio
Current: 0.12% · Tier avg: 0.45%
62
62th pctile
Net Interest Margin
Current: 4.08% · Tier avg: 3.85%
52
52th pctile
Delinquency Rate
Current: 0.35% · Tier avg: 0.64%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
29
29th pctile
Return on Assets
Current: 0.72% · Tier avg: 1.08%
18
18th pctile
Efficiency Ratio
Current: 81.75% · Tier avg: 67.73%
9
9th pctile
Total Deposits
Current: $47.7M · Tier avg: $183.7M
8
8th pctile
Total Assets
Current: $52.5M · Tier avg: $217.5M
6
6th pctile
Total Loans
Current: $17.4M · Tier avg: $139.2M
Top Weaknesses
6
6th pctile
Total Loans
Current: $17.4M · Tier avg: $139.2M
8
8th pctile
Total Assets
Current: $52.5M · Tier avg: $217.5M
9
9th pctile
Total Deposits
Current: $47.7M · Tier avg: $183.7M
18
18th pctile
Efficiency Ratio
Current: 81.75% · Tier avg: 67.73%
29
29th pctile
Return on Assets
Current: 0.72% · Tier avg: 1.08%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
52
52th pctile
Delinquency Rate
Current: 0.35% · Tier avg: 0.64%
62
62th pctile
Net Interest Margin
Current: 4.08% · Tier avg: 3.85%
65
65th pctile
Nonperforming Asset Ratio
Current: 0.12% · Tier avg: 0.45%
87
87th pctile
Non-Interest-Bearing Deposit Share
Current: 34.75% · Tier avg: 22.39%
89
89th pctile
Non-Interest Income / Assets
Current: 0.84% · Tier avg: 0.56%
96
96th pctile
Loan-to-Deposit Ratio
Current: 36.45% · Tier avg: 74.53%