BlastPoint's Banking Scorecard

The First State Bank of Pond Creek, Oklahoma

under $100M Specialty: Agricultural OK FDIC cert 11527

Designations: ✓ Community bank

Pond Creek, OK

2 branches across OK

541 banks in the under $100M peer group nationally 38 in OK

The First State Bank of Pond Creek, Oklahoma shows strong momentum with 4 strengths and 5.7% YoY asset growth

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Return on Assets 1.24% above tier average
+ Net Interest Margin 0.92% above tier average
+ Efficiency Ratio 28.71% below tier average
+ Delinquency Rate 0.22% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

Get updates when The First State Bank of Pond Creek, Oklahoma releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
Total Assets ?	$61.2M +5.7% YoY +5.2% QoQ	-$942K	$62.2M -0.6% YoY	$1.2B +6.7% YoY	$6.2B +9.1% YoY	46%
Total Loans ?	$48.6M +8.3% YoY -2.9% QoQ	+$14.3M	$34.2M -1.4% YoY	$822.6M +7.2% YoY	$3.2B +10.8% YoY	74%
Total Deposits ?	$52.9M +5.4% YoY +10.4% QoQ	+$1.2M	$51.7M -0.7% YoY	$956.7M +4.7% YoY	$4.8B +8.2% YoY	50%
Return on Assets ?	2.08% -1.2% YoY +13.8% QoQ	+1.24%	0.84% -2.3% YoY	1.34% +7.6% YoY	1.23% +13.4% YoY	Top 8.7% in tier
Net Interest Margin ?	4.78% -9.3% YoY -11.9% QoQ	+0.92%	3.86% +2.8% YoY	4.25% +2.4% YoY	3.89% +5.7% YoY	84%
Efficiency Ratio ?	59.64% -6.1% YoY -6.8% QoQ	-28.71%	88.34% +0.3% YoY	65.16% -1.8% YoY	66.95% -4.1% YoY	74%
Delinquency Rate ?	1.16% -35.2% QoQ	-0.22%	1.37% +33.8% YoY	1.61% +16.3% YoY	0.95% +18.8% YoY	32%
Loan-to-Deposit Ratio ?	91.76% +2.8% YoY -12.0% QoQ	+27.54%	64.22% -0.7% YoY	73.83% +1.6% YoY	76.70% +0.9% YoY	Bottom 14.2% in tier
Non-Interest-Bearing Deposit Share ?	30.60% -1.9% YoY +13.8% QoQ	+6.88%	23.71% +0.3% YoY	23.68% -1.7% YoY	22.01% -1.2% YoY	74%
Nonperforming Asset Ratio ?	0.92% +405.3% YoY -40.1% QoQ	+0.13%	0.79% +28.2% YoY	1.12% +15.3% YoY	0.67% +19.3% YoY	25%
Tier 1 Capital Ratio ?	13.86% +1.3% YoY -5.3% QoQ	-12.83%	26.68% +2.0% YoY	14.36% -1.8% YoY	17.06% +0.8% YoY	38%
Non-Interest Income / Assets ?	0.14% -18.8% YoY -64.2% QoQ	-0.53%	0.67% +1.9% YoY	0.15% -5.6% YoY	0.32% +4.1% YoY	81%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 541 peers in under $100M

Top Strengths (3 metrics)

Return on Assets

profitability

Value: 2.08%

Peer Median: 0.84%

#48 of 541 Top 8.7% in under $100M

Net Interest Margin

profitability

Value: 4.78%

Peer Median: 3.86%

#90 of 541 Top 16.5% in under $100M

102

Non-Interest Income / Assets

revenue_mix

Value: 0.14%

Peer Median: 0.67%

#102 of 541 Top 18.7% in under $100M

Top Weaknesses (1 metrics)

465

Loan-to-Deposit Ratio

liquidity

Value: 91.76%

Peer Median: 64.22%

#465 of 541 Bottom 14.2% in under $100M