BlastPoint's Banking Scorecard

First Oklahoma Bank

$1B-$10B Specialty: Commercial OK FDIC cert 12484

Designations: ✓ Community bank

Jenks, OK

3 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 885 banks in the $1B-$10B peer group nationwide — 1 of 21 in OK.
Deposits +12.5% year over year ($1.2B on the books).
Delinquency rate 0.56%.
Return on assets 0.91%.
Efficiency ratio 64.17% vs a 59.73% peer average.
Loan-to-deposit ratio 96.66% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 21 in OK

View $1B-$10B leaderboard (OK) →

First Oklahoma Bank has 1 strength but faces 4 concerns

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

+ Delinquency Rate 0.31% below tier average

Key Concerns

Areas that may need attention

- NIB Deposit Bleed: Bottom 65.2% in tier
- ROA 0.48% below tier average
- Net Interest Margin 0.20% below tier average
- Efficiency Ratio 4.44% above tier average

Get updates when First Oklahoma Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
Total Assets ?	$1.3B +11.7% YoY +5.2% QoQ	-$1.5B	$2.8B -0.6% YoY	$1.3B +6.0% YoY	$6.3B +7.7% YoY	25%
Total Loans ?	$1.1B +12.7% YoY +2.4% QoQ	-$826.4M	$2.0B -0.3% YoY	$835.5M +7.1% YoY	$3.2B +9.4% YoY	40%
Total Deposits ?	$1.2B +12.5% YoY +4.4% QoQ	-$1.1B	$2.3B -0.5% YoY	$967.8M +5.8% YoY	$4.9B +7.3% YoY	28%
Return on Assets ?	0.91% +19.7% YoY +6.7% QoQ	-0.48%	1.39% +17.0% YoY	1.35% +7.7% YoY	1.30% +12.1% YoY	24%
Net Interest Margin ?	3.67% +7.9% YoY +0.3% QoQ	-0.20%	3.87% +6.2% YoY	4.27% +1.9% YoY	3.95% +4.9% YoY	48%
Efficiency Ratio ?	64.17% -11.8% YoY -2.9% QoQ	+4.44%	59.73% -12.6% YoY	64.81% -3.0% YoY	70.05% +2.5% YoY	34%
Delinquency Rate ?	0.56% -26.9% YoY -18.6% QoQ	-0.31%	0.87% +11.7% YoY	1.78% +23.7% YoY	0.98% +16.3% YoY	48%
Loan-to-Deposit Ratio ?	96.66% +0.2% YoY -1.9% QoQ	+11.62%	85.04% -0.1% YoY	74.14% +1.3% YoY	79.03% +2.3% YoY	21%
Non-Interest-Bearing Deposit Share ?	13.13% -15.0% YoY -10.4% QoQ	-8.14%	21.27% -1.5% YoY	23.91% -1.8% YoY	21.98% -0.6% YoY	20%
Nonperforming Asset Ratio ?	0.49% -23.6% YoY -18.0% QoQ	-0.18%	0.67% +11.7% YoY	1.24% +23.1% YoY	0.69% +15.8% YoY	45%
Tier 1 Capital Ratio ?	9.07% -2.0% YoY +0.3% QoQ	-5.77%	14.84% -0.4% YoY	14.18% -3.9% YoY	17.09% +0.8% YoY	Bottom 0.7% in tier
Non-Interest Income / Assets ?	0.17% +5.6% YoY +100.3% QoQ	-0.36%	0.53% +2.5% YoY	0.31% -11.7% YoY	0.66% +5.2% YoY	24%

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	13.1% -2.3pp YoY -1.5pp QoQ	-8.2pp	21.4%	23.9%	22.2%	19%
Brokered Deposits	14.4% -1.8pp YoY +2.5pp QoQ	+5.0pp	9.5%	9.7%	8.5%	81%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
C&I	17.3% -3.3pp YoY -1.2pp QoQ	+3.3pp	14.0%	15.7%	12.5%	74%
CRE	65.8% +4.2pp YoY +1.5pp QoQ	+15.8pp	50.0%	42.0%	41.4%	84%
1-4 Family	16.2% -1.1pp YoY -0.4pp QoQ	-10.2pp	26.4%	24.0%	31.3%	34%
Consumer	0.2% 0.0pp YoY 0.0pp QoQ	-4.5pp	4.7%	5.6%	5.0%	17%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	15.6%	17.0%	19.7%	n/a
Leverage Ratio	9.1% -0.2pp YoY 0.0pp QoQ	-2.2pp	11.3%	11.7%	12.6%	13%
Total Capital Ratio	n/a	n/a	16.7%	18.2%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
Full-Time Employees	113 +3 (+2.7%) YoY +2 (+1.8%) QoQ	-201	313	150	482	11%
Assets per Employee ($)	$11.8M +8.7% YoY +3.4% QoQ	+$1.3M	$10.5M	$6.5M	$8.8M	77%
Branch Count	3 0 YoY 0 QoQ	-17	20	8	18	8%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
Past Due 90+ Days	0.1% +0.1pp YoY -0.1pp QoQ	0.0pp	0.2%	0.9%	0.4%	80%
Nonaccrual	0.4% -0.3pp YoY 0.0pp QoQ	-0.4pp	0.8%	1.5%	1.0%	43%
Allowance Coverage	1.72x +38.3% YoY +23.2% QoQ	-16.99x	18.71x	61.99x	20.23x	43%
Net Charge-off Rate (YTD)	0.1% 0.0pp YoY 0.0pp QoQ	-0.2pp	0.3%	0.2%	0.2%	61%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
ROE	10.1% +1.8pp YoY +0.8pp QoQ	-2.5pp	12.6%	11.9%	11.6%	34%
Cost of Funds (YTD)	2.8% -0.1pp YoY -0.1pp QoQ	+0.9pp	1.9%	1.8%	1.7%	92%
Net Income ($, YTD)	$5.9M +33.3% YoY — QoQ	-$13.4M	$19.2M	$8.7M	$40.4M	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 (0)

No matched strength signatures this quarter

Concerns (1)

NIB Deposit Bleed

decline

#31 of 46 • Bottom 65.2% in tier

Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.

Why this signature

Noninterest-Bearing Deposit Share: 13.13%

(Tier: 21.27%, National: 21.98%)

worse than tier avg

46 of 46 Mid-Market banks match · 211 nationally

↓ Shrinking -26 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 885 peers in $1B-$10B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (6 metrics)

880

Tier 1 Capital Ratio

capital

Value: 9.07%

Peer Median: 14.84%

#880 of 885 Bottom 0.7% in $1B-$10B

711

Non-Interest-Bearing Deposit Share

funding

Value: 13.13%

Peer Median: 21.27%

#711 of 885 Bottom 19.8% in $1B-$10B

696

Loan-to-Deposit Ratio

liquidity

Value: 96.66%

Peer Median: 85.04%

#696 of 885 Bottom 21.5% in $1B-$10B

676

Return on Assets

profitability

Value: 0.91%

Peer Median: 1.39%

#676 of 885 Bottom 23.7% in $1B-$10B

670

Non-Interest Income / Assets

revenue_mix

Value: 0.17%

Peer Median: 0.53%

#670 of 885 Bottom 24.4% in $1B-$10B

666

Total Assets

size

Value: $1.34B

Peer Median: $2.79B

#666 of 885 Bottom 24.9% in $1B-$10B