BlastPoint's Banking Scorecard

The First Bank of Okarche

$100M-$1B Specialty: Agricultural OK FDIC cert 1165

Okarche, OK

2664 banks in the $100M-$1B peer group nationally 107 in OK

The First Bank of Okarche has 3 strengths but faces 1 concern

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

+ Profitability Leader: Top 42.5% in tier
+ Efficiency Ratio 31.61% below tier average
+ Non-Interest-Bearing Deposit Share 14.59% above tier average

Key Concerns

Areas that may need attention

- Deposit Outflow: Bottom 31.8% in tier

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
Total Assets ?	$138.1M +0.5% YoY +0.3% QoQ	-$248.0M	$386.1M +0.5% YoY	$1.2B +6.7% YoY	$6.2B +9.1% YoY	Bottom 10.5% in tier
Total Loans ?	$53.7M +6.7% YoY -8.1% QoQ	-$202.0M	$255.7M +1.1% YoY	$822.6M +7.2% YoY	$3.2B +10.8% YoY	Bottom 3.7% in tier
Total Deposits ?	$115.4M -1.2% YoY -0.3% QoQ	-$212.6M	$328.0M +0.1% YoY	$956.7M +4.7% YoY	$4.8B +8.2% YoY	Bottom 10.5% in tier
Return on Assets ?	2.46% +2.0% YoY +2.0% QoQ	+1.19%	1.27% +12.9% YoY	1.34% +7.6% YoY	1.23% +13.4% YoY	Top 5.1% in tier
Net Interest Margin ?	3.94% +1.2% YoY +3.6% QoQ	+0.01%	3.93% +6.0% YoY	4.25% +2.4% YoY	3.89% +5.7% YoY	53%
Efficiency Ratio ?	33.68% -6.0% YoY -0.3% QoQ	-31.61%	65.29% -4.5% YoY	65.16% -1.8% YoY	66.95% -4.1% YoY	Top 1.5% in tier
Delinquency Rate ?	0.85%	-0.03%	0.89% +18.8% YoY	1.61% +16.3% YoY	0.95% +18.8% YoY	32%
Loan-to-Deposit Ratio ?	46.56% +7.9% YoY -7.8% QoQ	-30.08%	76.64% +0.8% YoY	73.83% +1.6% YoY	76.70% +0.9% YoY	Top 7.2% in tier
Non-Interest-Bearing Deposit Share ?	36.61% -4.7% YoY -4.4% QoQ	+14.59%	22.02% -1.0% YoY	23.68% -1.7% YoY	22.01% -1.2% YoY	Top 8.0% in tier
Nonperforming Asset Ratio ?	0.33%	-0.31%	0.64% +19.7% YoY	1.12% +15.3% YoY	0.67% +19.3% YoY	48%
Tier 1 Capital Ratio ?	15.88% +11.6% YoY +5.3% QoQ	+0.05%	15.83% +1.5% YoY	14.36% -1.8% YoY	17.06% +0.8% YoY	72%
Non-Interest Income / Assets ?	0.04% +2.9% YoY -75.2% QoQ	-0.24%	0.28% +9.3% YoY	0.15% -5.6% YoY	0.32% +4.1% YoY	16%

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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 (1)

Profitability Leader

growth

#284 of 666 • Top 42.5% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 2.46%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Concerns (1)

Deposit Outflow

decline

#162 of 506 • Bottom 31.8% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

506 of 506 Community banks match · 656 nationally

→ Stable -8 banks QoQ

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 2664 peers in $100M-$1B

Top Strengths (4 metrics)

Efficiency Ratio

profitability

Value: 33.68%

Peer Median: 65.29%

#42 of 2664 Top 1.5% in $100M-$1B

138

Return on Assets

profitability

Value: 2.46%

Peer Median: 1.27%

#138 of 2664 Top 5.1% in $100M-$1B

192

Loan-to-Deposit Ratio

liquidity

Value: 46.56%

Peer Median: 76.64%

#192 of 2664 Top 7.2% in $100M-$1B

213

Non-Interest-Bearing Deposit Share

funding

Value: 36.61%

Peer Median: 22.02%

#213 of 2664 Top 8.0% in $100M-$1B

Top Weaknesses (4 metrics)

2566

Total Loans

size

Value: $53.74M

Peer Median: $255.72M

#2566 of 2664 Bottom 3.7% in $100M-$1B

2385

Total Deposits

size

Value: $115.41M

Peer Median: $327.97M

#2385 of 2664 Bottom 10.5% in $100M-$1B

2385

Total Assets

size

Value: $138.10M

Peer Median: $386.08M

#2385 of 2664 Bottom 10.5% in $100M-$1B

2250

Non-Interest Income / Assets

revenue_mix

Value: 0.04%

Peer Median: 0.28%

#2250 of 2664 Bottom 15.6% in $100M-$1B