BlastPoint's Banking Scorecard
First State Bank
Anadarko, OK
2 branches across 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 +5.7% year over year ($130.5M on the books).
- Delinquency rate 0.35%.
- Return on assets 1.05%.
- Efficiency ratio 60.02% vs a 64.48% peer average.
- Loan-to-deposit ratio 30.55% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
First State Bank has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 4.46% below tier average
- + Delinquency Rate 0.57% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.44% below tier average
- - ROA 0.27% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$139.6M
+6.5% YoY
-2.8% QoQ
|
-$247.0M |
$386.6M
+1.2% YoY
|
$1.3B
+6.0% YoY
|
$6.3B
+7.7% YoY
|
Bottom 11.2% in tier |
| Total Loans ? |
$39.9M
+22.4% YoY
+9.8% QoQ
|
-$218.5M |
$258.3M
+1.7% YoY
|
$835.5M
+7.1% YoY
|
$3.2B
+9.4% YoY
|
Bottom 1.4% in tier |
| Total Deposits ? |
$130.5M
+5.7% YoY
-2.9% QoQ
|
-$196.3M |
$326.7M
+0.7% YoY
|
$967.8M
+5.8% YoY
|
$4.9B
+7.3% YoY
|
16% |
| Return on Assets ? |
1.05%
+18.5% YoY
-18.0% QoQ
|
-0.27% |
1.32%
+10.8% YoY
|
1.35%
+7.7% YoY
|
1.30%
+12.1% YoY
|
37% |
| Net Interest Margin ? |
2.55%
+8.9% YoY
+0.8% QoQ
|
-1.44% |
3.99%
+5.0% YoY
|
4.27%
+1.9% YoY
|
3.95%
+4.9% YoY
|
Bottom 3.2% in tier |
| Efficiency Ratio ? |
60.02%
-9.4% YoY
+4.3% QoQ
|
-4.46% |
64.48%
-3.2% YoY
|
64.81%
-3.0% YoY
|
70.05%
+2.5% YoY
|
57% |
| Delinquency Rate ? |
0.35%
-36.7% YoY
-13.3% QoQ
|
-0.57% |
0.92%
+15.7% YoY
|
1.78%
+23.7% YoY
|
0.98%
+16.3% YoY
|
54% |
| Loan-to-Deposit Ratio ? |
30.55%
+15.8% YoY
+13.0% QoQ
|
-47.40% |
77.95%
+1.0% YoY
|
74.14%
+1.3% YoY
|
79.03%
+2.3% YoY
|
Top 1.8% in tier |
| Non-Interest-Bearing Deposit Share ? |
11.00%
+0.3% YoY
+5.6% QoQ
|
-11.03% |
22.03%
-0.6% YoY
|
23.91%
-1.8% YoY
|
21.98%
-0.6% YoY
|
Bottom 12.6% in tier |
| Nonperforming Asset Ratio ? |
0.10%
-27.2% YoY
-2.1% QoQ
|
-0.57% |
0.67%
+16.4% YoY
|
1.24%
+23.1% YoY
|
0.69%
+15.8% YoY
|
72% |
| Tier 1 Capital Ratio ? |
11.21%
-2.6% YoY
+1.2% QoQ
|
-4.70% |
15.91%
+1.4% YoY
|
14.18%
-3.9% YoY
|
17.09%
+0.8% YoY
|
26% |
| Non-Interest Income / Assets ? |
0.33%
+58.5% YoY
+96.3% QoQ
|
-0.24% |
0.57%
+7.6% YoY
|
0.31%
-11.7% YoY
|
0.66%
+5.2% YoY
|
76% |
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 |
11.0%
0.0pp YoY +0.6pp QoQ |
-11.1pp | 22.1% | 23.9% | 22.2% | 12% |
| 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 |
14.4%
-3.2pp YoY -0.4pp QoQ |
+2.8pp | 11.6% | 15.7% | 12.5% | 74% |
| CRE |
22.7%
-1.0pp YoY -3.6pp QoQ |
-16.8pp | 39.5% | 42.0% | 41.4% | 22% |
| 1-4 Family |
10.8%
+1.0pp YoY 0.0pp QoQ |
-21.8pp | 32.6% | 24.0% | 31.3% | 12% |
| Consumer |
16.7%
+4.7pp YoY +5.3pp QoQ |
+12.6pp | 4.1% | 5.6% | 5.0% | 97% |
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 |
11.2%
-0.3pp YoY +0.1pp QoQ |
-1.0pp | 12.2% | 11.7% | 12.6% | 54% |
| 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 |
21
-1 (-4.5%) YoY -2 (-8.7%) QoQ |
-38 | 58 | 150 | 482 | 12% |
| Assets per Employee ($) |
$6.6M
+11.5% YoY +6.4% QoQ |
-$871K | $7.5M | $6.5M | $8.8M | 46% |
| Branch Count |
2
0 YoY 0 QoQ |
-3 | 4 | 8 | 18 | 11% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.9% | 0.4% | n/a |
| Nonaccrual |
0.3%
-0.2pp YoY -0.1pp QoQ |
-0.6pp | 0.9% | 1.5% | 1.0% | 42% |
| Allowance Coverage |
7.40x
+67.1% YoY +17.5% QoQ |
-16.75x | 24.15x | 61.99x | 20.23x | 78% |
| Net Charge-off Rate (YTD) |
0.1%
+0.1pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.2% | 0.2% | 76% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
17.6%
-0.9pp YoY -4.0pp QoQ |
+5.4pp | 12.2% | 11.9% | 11.6% | 80% |
| Cost of Funds (YTD) |
1.6%
-0.1pp YoY +0.1pp QoQ |
-0.2pp | 1.7% | 1.8% | 1.7% | 40% |
| Net Income ($, YTD) |
$751,000
+28.2% YoY — QoQ |
-$1.8M | $2.6M | $8.7M | $40.4M | 18% |
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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 (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.