BlastPoint's Banking Scorecard
First Texoma National Bank
Durant, OK
5 branches across OK · TX
First Texoma National Bank has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Deposit Franchise: Top 14.7% in tier
Key Concerns
Areas that may need attention
- - Delinquency Rate 2.50% above tier average
- - Nonperforming Asset Ratio 1.65% above tier average
- - Efficiency Ratio 4.03% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$225.2M
+0.7% YoY
+3.5% QoQ
|
-$160.9M |
$386.1M
+0.5% YoY
|
$1.2B
+6.7% YoY
|
$6.2B
+9.1% YoY
|
32% |
| Total Loans ? |
$152.2M
+3.2% YoY
+2.0% QoQ
|
-$103.5M |
$255.7M
+1.1% YoY
|
$822.6M
+7.2% YoY
|
$3.2B
+10.8% YoY
|
37% |
| Total Deposits ? |
$202.5M
+0.0% YoY
+3.5% QoQ
|
-$125.5M |
$328.0M
+0.1% YoY
|
$956.7M
+4.7% YoY
|
$4.8B
+8.2% YoY
|
35% |
| Return on Assets ? |
1.23%
+23.6% YoY
+26.4% QoQ
|
-0.04% |
1.27%
+12.9% YoY
|
1.34%
+7.6% YoY
|
1.23%
+13.4% YoY
|
52% |
| Net Interest Margin ? |
4.97%
+11.7% YoY
+3.1% QoQ
|
+1.04% |
3.93%
+6.0% YoY
|
4.25%
+2.4% YoY
|
3.89%
+5.7% YoY
|
Top 7.7% in tier |
| Efficiency Ratio ? |
69.32%
-3.9% YoY
-2.9% QoQ
|
+4.03% |
65.29%
-4.5% YoY
|
65.16%
-1.8% YoY
|
66.95%
-4.1% YoY
|
34% |
| Delinquency Rate ? |
3.38%
-2.7% YoY
-5.0% QoQ
|
+2.50% |
0.89%
+18.8% YoY
|
1.61%
+16.3% YoY
|
0.95%
+18.8% YoY
|
Bottom 4.8% in tier |
| Loan-to-Deposit Ratio ? |
75.16%
+3.1% YoY
-1.5% QoQ
|
-1.48% |
76.64%
+0.8% YoY
|
73.83%
+1.6% YoY
|
76.70%
+0.9% YoY
|
57% |
| Non-Interest-Bearing Deposit Share ? |
40.39%
+1.8% YoY
+0.3% QoQ
|
+18.37% |
22.02%
-1.0% YoY
|
23.68%
-1.7% YoY
|
22.01%
-1.2% YoY
|
Top 4.4% in tier |
| Nonperforming Asset Ratio ? |
2.29%
-0.4% YoY
-6.4% QoQ
|
+1.65% |
0.64%
+19.7% YoY
|
1.12%
+15.3% YoY
|
0.67%
+19.3% YoY
|
Bottom 5.0% in tier |
| Tier 1 Capital Ratio ? |
18.53%
+62.1% YoY
+66.5% QoQ
|
+2.70% |
15.83%
+1.5% YoY
|
14.36%
-1.8% YoY
|
17.06%
+0.8% YoY
|
83% |
| Non-Interest Income / Assets ? |
0.13%
-0.7% YoY
-76.5% QoQ
|
-0.15% |
0.28%
+9.3% YoY
|
0.15%
-5.6% YoY
|
0.32%
+4.1% YoY
|
65% |
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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 (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.