BlastPoint's Banking Scorecard
The First Bank of Okarche
Okarche, OK
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 106 in OK.
- Deposits -3.3% year over year ($114.1M on the books).
- Delinquency rate 1.07%.
- Return on assets 2.34%.
- Efficiency ratio 33.66% vs a 64.48% peer average.
- Loan-to-deposit ratio 36.96% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
The First Bank of Okarche has 3 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 1.02% above tier average
- + Efficiency Ratio 30.82% below tier average
- + Non-Interest-Bearing Deposit Share 13.63% above tier average
Key Concerns
Areas that may need attention
- - Deposit Outflow: Bottom 5.8% in tier
- - Net Interest Margin 0.23% below tier average
- - Delinquency Rate 0.15% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$137.5M
-1.3% YoY
-0.5% QoQ
|
-$249.1M |
$386.6M
+1.2% YoY
|
$1.3B
+6.0% YoY
|
$6.3B
+7.7% YoY
|
Bottom 10.2% in tier |
| Total Loans ? |
$42.2M
-2.5% YoY
-21.5% QoQ
|
-$216.2M |
$258.3M
+1.7% YoY
|
$835.5M
+7.1% YoY
|
$3.2B
+9.4% YoY
|
Bottom 1.6% in tier |
| Total Deposits ? |
$114.1M
-3.3% YoY
-1.1% QoQ
|
-$212.6M |
$326.7M
+0.7% YoY
|
$967.8M
+5.8% YoY
|
$4.9B
+7.3% YoY
|
Bottom 9.9% in tier |
| Return on Assets ? |
2.34%
-4.7% YoY
-4.6% QoQ
|
+1.02% |
1.32%
+10.8% YoY
|
1.35%
+7.7% YoY
|
1.30%
+12.1% YoY
|
Top 6.5% in tier |
| Net Interest Margin ? |
3.75%
-2.1% YoY
-4.6% QoQ
|
-0.23% |
3.99%
+5.0% YoY
|
4.27%
+1.9% YoY
|
3.95%
+4.9% YoY
|
40% |
| Efficiency Ratio ? |
33.66%
+0.3% YoY
-0.1% QoQ
|
-30.82% |
64.48%
-3.2% YoY
|
64.81%
-3.0% YoY
|
70.05%
+2.5% YoY
|
Top 1.4% in tier |
| Delinquency Rate ? |
1.07%
+25.4% QoQ
|
+0.15% |
0.92%
+15.7% YoY
|
1.78%
+23.7% YoY
|
0.98%
+16.3% YoY
|
27% |
| Loan-to-Deposit Ratio ? |
36.96%
+0.9% YoY
-20.6% QoQ
|
-40.99% |
77.95%
+1.0% YoY
|
74.14%
+1.3% YoY
|
79.03%
+2.3% YoY
|
Top 3.1% in tier |
| Non-Interest-Bearing Deposit Share ? |
35.66%
-12.2% YoY
-2.6% QoQ
|
+13.63% |
22.03%
-0.6% YoY
|
23.91%
-1.8% YoY
|
21.98%
-0.6% YoY
|
Top 9.1% in tier |
| Nonperforming Asset Ratio ? |
0.33%
-1.1% QoQ
|
-0.34% |
0.67%
+16.4% YoY
|
1.24%
+23.1% YoY
|
0.69%
+15.8% YoY
|
50% |
| Tier 1 Capital Ratio ? |
16.13%
+10.4% YoY
+1.6% QoQ
|
+0.22% |
15.91%
+1.4% YoY
|
14.18%
-3.9% YoY
|
17.09%
+0.8% YoY
|
73% |
| Non-Interest Income / Assets ? |
0.08%
+2.3% YoY
+95.8% QoQ
|
-0.48% |
0.57%
+7.6% YoY
|
0.31%
-11.7% YoY
|
0.66%
+5.2% YoY
|
Bottom 14.0% in tier |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
35.7%
-4.9pp YoY -1.0pp QoQ |
+13.5pp | 22.1% | 23.9% | 22.2% | 91% |
| Brokered Deposits | n/a | n/a | 7.9% | 9.7% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
11.2%
-1.7pp YoY +2.1pp QoQ |
-0.4pp | 11.6% | 15.7% | 12.5% | 59% |
| CRE | n/a | n/a | 39.5% | 42.0% | 41.4% | n/a |
| 1-4 Family |
11.5%
+1.3pp YoY +2.2pp QoQ |
-21.1pp | 32.6% | 24.0% | 31.3% | 13% |
| Consumer |
3.8%
-0.3pp YoY +0.5pp QoQ |
-0.3pp | 4.1% | 5.6% | 5.0% | 68% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 17.0% | 19.7% | n/a |
| Leverage Ratio |
16.1%
+1.5pp YoY +0.2pp QoQ |
+4.0pp | 12.2% | 11.7% | 12.6% | 91% |
| Total Capital Ratio | n/a | n/a | 19.9% | 18.2% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
8
0 YoY 0 QoQ |
-51 | 58 | 150 | 482 | 0% |
| Assets per Employee ($) |
$17.2M
-1.3% YoY -0.5% QoQ |
+$9.7M | $7.5M | $6.5M | $8.8M | 98% |
| Branch Count |
1
0 YoY 0 QoQ |
-4 | 4 | 8 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.9% | 0.4% | n/a |
| Nonaccrual |
1.1%
+0.2pp QoQ |
+0.1pp | 0.9% | 1.5% | 1.0% | 73% |
| Allowance Coverage |
2.43x
+8.4% QoQ |
-21.73x | 24.15x | 61.99x | 20.23x | 53% |
| Net Charge-off Rate (YTD) |
-0.1%
0.0pp QoQ |
-0.3pp | 0.1% | 0.2% | 0.2% | 2% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
15.0%
-2.4pp YoY -1.0pp QoQ |
+2.8pp | 12.2% | 11.9% | 11.6% | 67% |
| Cost of Funds (YTD) |
0.8%
0.0pp YoY 0.0pp QoQ |
-0.9pp | 1.7% | 1.8% | 1.7% | 6% |
| Net Income ($, YTD) |
$1.6M
-4.4% YoY — QoQ |
-$940K | $2.6M | $8.7M | $40.4M | 44% |
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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 (0)
Concerns (1)
Deposit Outflow
declineDeposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.