BlastPoint's Banking Scorecard

First State Bank

$100M-$1B Specialty: Other OK FDIC cert 12283

Anadarko, OK

2 branches across OK

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

First State Bank has 2 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

+ Efficiency Ratio 7.76% below tier average
+ Delinquency Rate 0.49% below tier average

Key Concerns

Areas that may need attention

- Net Interest Margin 1.40% below tier average

Get updates when First State Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
Total Assets ?	$143.6M +7.3% YoY -1.9% QoQ	-$242.4M	$386.1M +0.5% YoY	$1.2B +6.7% YoY	$6.2B +9.1% YoY	Bottom 12.4% in tier
Total Loans ?	$36.3M +14.2% YoY -2.6% QoQ	-$219.4M	$255.7M +1.1% YoY	$822.6M +7.2% YoY	$3.2B +10.8% YoY	Bottom 1.2% in tier
Total Deposits ?	$134.3M +6.2% YoY -2.1% QoQ	-$193.6M	$328.0M +0.1% YoY	$956.7M +4.7% YoY	$4.8B +8.2% YoY	17%
Return on Assets ?	1.28% +46.8% YoY +131.6% QoQ	+0.01%	1.27% +12.9% YoY	1.34% +7.6% YoY	1.23% +13.4% YoY	54%
Net Interest Margin ?	2.53% +10.8% YoY +4.0% QoQ	-1.40%	3.93% +6.0% YoY	4.25% +2.4% YoY	3.89% +5.7% YoY	Bottom 3.5% in tier
Efficiency Ratio ?	57.53% -12.3% YoY -24.6% QoQ	-7.76%	65.29% -4.5% YoY	65.16% -1.8% YoY	66.95% -4.1% YoY	67%
Delinquency Rate ?	0.40% -13.6% YoY -9.8% QoQ	-0.49%	0.89% +18.8% YoY	1.61% +16.3% YoY	0.95% +18.8% YoY	51%
Loan-to-Deposit Ratio ?	27.03% +7.5% YoY -0.5% QoQ	-49.60%	76.64% +0.8% YoY	73.83% +1.6% YoY	76.70% +0.9% YoY	Top 1.4% in tier
Non-Interest-Bearing Deposit Share ?	10.41% -6.9% YoY +1.3% QoQ	-11.61%	22.02% -1.0% YoY	23.68% -1.7% YoY	22.01% -1.2% YoY	Bottom 11.7% in tier
Nonperforming Asset Ratio ?	0.10% -8.1% YoY -10.4% QoQ	-0.54%	0.64% +19.7% YoY	1.12% +15.3% YoY	0.67% +19.3% YoY	70%
Tier 1 Capital Ratio ?	11.08% -3.4% YoY -3.0% QoQ	-4.75%	15.83% +1.5% YoY	14.36% -1.8% YoY	17.06% +0.8% YoY	24%
Non-Interest Income / Assets ?	0.17% +74.7% YoY -56.5% QoQ	-0.11%	0.28% +9.3% YoY	0.15% -5.6% YoY	0.32% +4.1% YoY	78%

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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 2664 peers in $100M-$1B

Top Strengths (2 metrics)

Loan-to-Deposit Ratio

liquidity

Value: 27.03%

Peer Median: 76.64%

#39 of 2664 Top 1.4% in $100M-$1B

581

Non-Interest Income / Assets

revenue_mix

Value: 0.17%

Peer Median: 0.28%

#581 of 2664 Top 21.8% in $100M-$1B

Top Weaknesses (6 metrics)

2633

Total Loans

size

Value: $36.32M

Peer Median: $255.72M

#2633 of 2664 Bottom 1.2% in $100M-$1B

2572

Net Interest Margin

profitability

Value: 2.53%

Peer Median: 3.93%

#2572 of 2664 Bottom 3.5% in $100M-$1B

2354

Non-Interest-Bearing Deposit Share

funding

Value: 10.41%

Peer Median: 22.02%

#2354 of 2664 Bottom 11.7% in $100M-$1B

2335

Total Assets

size

Value: $143.64M

Peer Median: $386.08M

#2335 of 2664 Bottom 12.4% in $100M-$1B

2221

Total Deposits

size

Value: $134.35M

Peer Median: $327.97M

#2221 of 2664 Bottom 16.7% in $100M-$1B

2028

Tier 1 Capital Ratio

capital

Value: 11.08%

Peer Median: 15.83%

#2028 of 2664 Bottom 23.9% in $100M-$1B