BlastPoint's Banking Scorecard

First Liberty Bank

$100M-$1B Specialty: Commercial OK FDIC cert 14029

Oklahoma City, OK

3 branches across OK · TX

2664 banks in the $100M-$1B peer group nationally 107 in OK

First Liberty Bank has 1 strength but faces 5 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

+ Net Interest Margin 0.15% above tier average

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 5.7% in tier
- Margin Compression: Bottom 31.5% in tier
- Liquidity Strain: Bottom 31.9% in tier
- Credit Quality Pressure: Bottom 38.0% in tier
- Cost Spiral: Bottom 69.8% in tier

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
Total Assets ?	$835.3M +3.6% YoY -1.9% QoQ	+$449.3M	$386.1M +0.5% YoY	$1.2B +6.7% YoY	$6.2B +9.1% YoY	Top 6.7% in tier
Total Loans ?	$695.5M +3.6% YoY +0.7% QoQ	+$439.8M	$255.7M +1.1% YoY	$822.6M +7.2% YoY	$3.2B +10.8% YoY	Top 2.5% in tier
Total Deposits ?	$720.6M +4.8% YoY -2.0% QoQ	+$392.7M	$328.0M +0.1% YoY	$956.7M +4.7% YoY	$4.8B +8.2% YoY	Top 5.6% in tier
Return on Assets ?	0.98% -9.3% YoY -20.5% QoQ	-0.29%	1.27% +12.9% YoY	1.34% +7.6% YoY	1.23% +13.4% YoY	36%
Net Interest Margin ?	4.08% -0.6% YoY -2.5% QoQ	+0.15%	3.93% +6.0% YoY	4.25% +2.4% YoY	3.89% +5.7% YoY	62%
Efficiency Ratio ?	67.50% +13.4% YoY +15.5% QoQ	+2.22%	65.29% -4.5% YoY	65.16% -1.8% YoY	66.95% -4.1% YoY	38%
Delinquency Rate ?	1.13% +0.5% YoY -2.6% QoQ	+0.24%	0.89% +18.8% YoY	1.61% +16.3% YoY	0.95% +18.8% YoY	26%
Loan-to-Deposit Ratio ?	96.52% -1.1% YoY +2.8% QoQ	+19.88%	76.64% +0.8% YoY	73.83% +1.6% YoY	76.70% +0.9% YoY	Bottom 13.0% in tier
Non-Interest-Bearing Deposit Share ?	18.64% +3.2% YoY -0.8% QoQ	-3.38%	22.02% -1.0% YoY	23.68% -1.7% YoY	22.01% -1.2% YoY	39%
Nonperforming Asset Ratio ?	0.94% -8.5% YoY -0.1% QoQ	+0.30%	0.64% +19.7% YoY	1.12% +15.3% YoY	0.67% +19.3% YoY	21%
Tier 1 Capital Ratio ?	13.11% +2.3% YoY +0.7% QoQ	-2.72%	15.83% +1.5% YoY	14.36% -1.8% YoY	17.06% +0.8% YoY	48%
Non-Interest Income / Assets ?	0.08% +5.8% YoY -81.7% QoQ	-0.20%	0.28% +9.3% YoY	0.15% -5.6% YoY	0.32% +4.1% YoY	38%

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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 (5)

Credit Risk Growth

risk

#56 of 973 • Bottom 5.7% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

973 of 973 Community banks match · 1464 nationally

→ Stable -10 banks QoQ

Margin Compression

decline

#97 of 305 • Bottom 31.5% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature

Return on Assets: 0.98%

(Tier: 1.27%, National: 1.23%)

worse than tier avg

305 of 305 Community banks match · 407 nationally

↑ Growing +94 banks QoQ

Liquidity Strain

risk

#206 of 643 • Bottom 31.9% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 96.52%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

643 of 643 Community banks match · 1013 nationally

→ Stable -50 banks QoQ | QoQ rank improving

Credit Quality Pressure

risk

#498 of 1308 • Bottom 38.0% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 1.13%

(Tier: 0.89%, National: 0.95%)

worse than tier avg

1308 of 1308 Community banks match · 1899 nationally

→ Stable +2 banks QoQ

Cost Spiral

risk

#89 of 126 • Bottom 69.8% in tier

Historically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.

Why this signature

Efficiency Ratio: 67.50%

(Tier: 65.29%, National: 66.95%)

worse than tier avg

126 of 126 Community banks match · 176 nationally

↑ Growing +82 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 2664 peers in $100M-$1B

Top Strengths (3 metrics)

Total Loans

size

Value: $695.52M

Peer Median: $255.72M

#68 of 2664 Top 2.5% in $100M-$1B

149

Total Deposits

size

Value: $720.62M

Peer Median: $327.97M

#149 of 2664 Top 5.6% in $100M-$1B

180

Total Assets

size

Value: $835.34M

Peer Median: $386.08M

#180 of 2664 Top 6.7% in $100M-$1B

Top Weaknesses (2 metrics)

2318

Loan-to-Deposit Ratio

liquidity

Value: 96.52%

Peer Median: 76.64%

#2318 of 2664 Bottom 13.0% in $100M-$1B

2101

Nonperforming Asset Ratio

credit_quality

Value: 0.94%

Peer Median: 0.64%

#2101 of 2664 Bottom 21.2% in $100M-$1B