BlastPoint's Banking Scorecard
First Oklahoma Bank
Designations: ✓ Community bank
Jenks, OK
3 branches across OK
First Oklahoma Bank has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.20% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.51% below tier average
- - Net Interest Margin 0.15% below tier average
- - Efficiency Ratio 4.99% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.3B
+12.5% YoY
+1.0% QoQ
|
-$1.5B |
$2.8B
-0.1% YoY
|
$1.2B
+6.7% YoY
|
$6.2B
+9.1% YoY
|
21% |
| Total Loans ? |
$1.1B
+14.9% YoY
+1.2% QoQ
|
-$854.7M |
$2.0B
+0.6% YoY
|
$822.6M
+7.2% YoY
|
$3.2B
+10.8% YoY
|
38% |
| Total Deposits ? |
$1.1B
+13.4% YoY
+1.0% QoQ
|
-$1.2B |
$2.3B
-0.3% YoY
|
$956.7M
+4.7% YoY
|
$4.8B
+8.2% YoY
|
25% |
| Return on Assets ? |
0.85%
+18.7% YoY
-1.0% QoQ
|
-0.51% |
1.37%
+19.6% YoY
|
1.34%
+7.6% YoY
|
1.23%
+13.4% YoY
|
23% |
| Net Interest Margin ? |
3.66%
+9.4% YoY
+3.6% QoQ
|
-0.15% |
3.82%
+6.9% YoY
|
4.25%
+2.4% YoY
|
3.89%
+5.7% YoY
|
52% |
| Efficiency Ratio ? |
66.05%
-11.2% YoY
-5.1% QoQ
|
+4.99% |
61.06%
-4.6% YoY
|
65.16%
-1.8% YoY
|
66.95%
-4.1% YoY
|
31% |
| Delinquency Rate ? |
0.69%
+19.9% YoY
+9.0% QoQ
|
-0.20% |
0.89%
+14.1% YoY
|
1.61%
+16.3% YoY
|
0.95%
+18.8% YoY
|
41% |
| Loan-to-Deposit Ratio ? |
98.52%
+1.3% YoY
+0.1% QoQ
|
+14.31% |
84.20%
+0.3% YoY
|
73.83%
+1.6% YoY
|
76.70%
+0.9% YoY
|
16% |
| Non-Interest-Bearing Deposit Share ? |
14.65%
-3.1% YoY
+0.8% QoQ
|
-6.64% |
21.29%
-2.5% YoY
|
23.68%
-1.7% YoY
|
22.01%
-1.2% YoY
|
26% |
| Nonperforming Asset Ratio ? |
0.60%
+22.5% YoY
+9.2% QoQ
|
-0.07% |
0.67%
+15.6% YoY
|
1.12%
+15.3% YoY
|
0.67%
+19.3% YoY
|
37% |
| Tier 1 Capital Ratio ? |
9.04%
-0.7% YoY
-0.1% QoQ
|
-6.12% |
15.16%
+2.0% YoY
|
14.36%
-1.8% YoY
|
17.06%
+0.8% YoY
|
Bottom 0.7% in tier |
| Non-Interest Income / Assets ? |
0.09%
-11.9% YoY
-69.9% QoQ
|
-0.17% |
0.26%
+1.6% YoY
|
0.15%
-5.6% YoY
|
0.32%
+4.1% YoY
|
25% |
Get Full Access to First Oklahoma Bank
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
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.