BlastPoint's Banking Scorecard
First Bank & Trust Company
Perry, OK
4 branches across OK
First Bank & Trust Company has 4 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.31% above tier average
- + Net Interest Margin 0.34% above tier average
- + Efficiency Ratio 6.04% below tier average
- + Delinquency Rate 0.13% below tier average
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 37.1% in tier
- - Margin Compression: Bottom 46.9% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$260.6M
+4.7% YoY
+6.3% QoQ
|
-$125.5M |
$386.1M
+0.5% YoY
|
$1.2B
+6.7% YoY
|
$6.2B
+9.1% YoY
|
39% |
| Total Loans ? |
$149.2M
+2.9% YoY
+2.2% QoQ
|
-$106.5M |
$255.7M
+1.1% YoY
|
$822.6M
+7.2% YoY
|
$3.2B
+10.8% YoY
|
36% |
| Total Deposits ? |
$234.3M
+3.8% YoY
+6.8% QoQ
|
-$93.7M |
$328.0M
+0.1% YoY
|
$956.7M
+4.7% YoY
|
$4.8B
+8.2% YoY
|
42% |
| Return on Assets ? |
1.58%
-18.7% YoY
-13.5% QoQ
|
+0.31% |
1.27%
+12.9% YoY
|
1.34%
+7.6% YoY
|
1.23%
+13.4% YoY
|
71% |
| Net Interest Margin ? |
4.27%
-1.3% YoY
-3.2% QoQ
|
+0.34% |
3.93%
+6.0% YoY
|
4.25%
+2.4% YoY
|
3.89%
+5.7% YoY
|
72% |
| Efficiency Ratio ? |
59.25%
+1.6% YoY
-0.4% QoQ
|
-6.04% |
65.29%
-4.5% YoY
|
65.16%
-1.8% YoY
|
66.95%
-4.1% YoY
|
62% |
| Delinquency Rate ? |
0.75%
+438.1% YoY
-52.8% QoQ
|
-0.13% |
0.89%
+18.8% YoY
|
1.61%
+16.3% YoY
|
0.95%
+18.8% YoY
|
35% |
| Loan-to-Deposit Ratio ? |
63.67%
-0.8% YoY
-4.4% QoQ
|
-12.97% |
76.64%
+0.8% YoY
|
73.83%
+1.6% YoY
|
76.70%
+0.9% YoY
|
77% |
| Non-Interest-Bearing Deposit Share ? |
19.33%
+5.8% YoY
-1.6% QoQ
|
-2.69% |
22.02%
-1.0% YoY
|
23.68%
-1.7% YoY
|
22.01%
-1.2% YoY
|
42% |
| Nonperforming Asset Ratio ? |
0.43%
+429.0% YoY
-54.7% QoQ
|
-0.21% |
0.64%
+19.7% YoY
|
1.12%
+15.3% YoY
|
0.67%
+19.3% YoY
|
41% |
| Tier 1 Capital Ratio ? |
11.61%
+1.8% YoY
-4.4% QoQ
|
-4.22% |
15.83%
+1.5% YoY
|
14.36%
-1.8% YoY
|
17.06%
+0.8% YoY
|
30% |
| Non-Interest Income / Assets ? |
0.13%
-9.9% YoY
-79.9% QoQ
|
-0.15% |
0.28%
+9.3% YoY
|
0.15%
-5.6% YoY
|
0.32%
+4.1% YoY
|
68% |
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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 (2)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.