BlastPoint's Banking Scorecard
First State Bank
Valliant, OK
3 branches across OK
First State Bank has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Deposit Franchise: Top 8.1% in tier
- + ROA 0.37% above tier average
- + Delinquency Rate 0.43% below tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 46.8% in tier
- - Efficiency Ratio 7.19% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$101.0M
-0.4% YoY
-0.5% QoQ
|
-$285.1M |
$386.1M
+0.5% YoY
|
$1.2B
+6.7% YoY
|
$6.2B
+9.1% YoY
|
Bottom 0.5% in tier |
| Total Loans ? |
$66.9M
-3.8% YoY
-2.2% QoQ
|
-$188.9M |
$255.7M
+1.1% YoY
|
$822.6M
+7.2% YoY
|
$3.2B
+10.8% YoY
|
Bottom 6.5% in tier |
| Total Deposits ? |
$88.8M
-2.7% YoY
+2.4% QoQ
|
-$239.2M |
$328.0M
+0.1% YoY
|
$956.7M
+4.7% YoY
|
$4.8B
+8.2% YoY
|
Bottom 2.1% in tier |
| Return on Assets ? |
1.64%
-2.9% YoY
-17.7% QoQ
|
+0.37% |
1.27%
+12.9% YoY
|
1.34%
+7.6% YoY
|
1.23%
+13.4% YoY
|
74% |
| Net Interest Margin ? |
5.82%
-4.1% YoY
-4.9% QoQ
|
+1.88% |
3.93%
+6.0% YoY
|
4.25%
+2.4% YoY
|
3.89%
+5.7% YoY
|
Top 1.9% in tier |
| Efficiency Ratio ? |
72.47%
-0.5% YoY
+6.4% QoQ
|
+7.19% |
65.29%
-4.5% YoY
|
65.16%
-1.8% YoY
|
66.95%
-4.1% YoY
|
27% |
| Delinquency Rate ? |
0.45%
+409.8% YoY
+486.6% QoQ
|
-0.43% |
0.89%
+18.8% YoY
|
1.61%
+16.3% YoY
|
0.95%
+18.8% YoY
|
48% |
| Loan-to-Deposit Ratio ? |
75.31%
-1.1% YoY
-4.5% QoQ
|
-1.32% |
76.64%
+0.8% YoY
|
73.83%
+1.6% YoY
|
76.70%
+0.9% YoY
|
57% |
| Non-Interest-Bearing Deposit Share ? |
39.94%
+2.3% YoY
+4.0% QoQ
|
+17.92% |
22.02%
-1.0% YoY
|
23.68%
-1.7% YoY
|
22.01%
-1.2% YoY
|
Top 4.7% in tier |
| Nonperforming Asset Ratio ? |
0.30%
+392.3% YoY
+476.5% QoQ
|
-0.34% |
0.64%
+19.7% YoY
|
1.12%
+15.3% YoY
|
0.67%
+19.3% YoY
|
50% |
| Tier 1 Capital Ratio ? |
15.77%
+6.3% YoY
-6.4% QoQ
|
-0.06% |
15.83%
+1.5% YoY
|
14.36%
-1.8% YoY
|
17.06%
+0.8% YoY
|
71% |
| Non-Interest Income / Assets ? |
0.11%
-1.4% YoY
-75.8% QoQ
|
-0.17% |
0.28%
+9.3% YoY
|
0.15%
-5.6% YoY
|
0.32%
+4.1% YoY
|
58% |
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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 (1)
Deposit Franchise
growthTop-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.
Concerns (1)
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.