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FirstBank

$100M-$1B Specialty: Other OK FDIC cert 14331

Designations: ✓ Minority Depository Institution

Antlers, OK

10 branches across OK

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 106 in OK.
  • Deposits +7.7% year over year ($598.3M on the books).
  • Delinquency rate 0.83%.
  • Return on assets 1.03%.
  • Efficiency ratio 73.57% vs a 64.48% peer average.
  • Loan-to-deposit ratio 68.28% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 106 in OK
View $100M-$1B leaderboard (OK) →

FirstBank has 2 strengths but faces 3 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

  • + Deposit Franchise: Top 38.5% in tier
  • + Delinquency Rate 0.09% below tier average

Key Concerns

Areas that may need attention

  • - Margin Compression: Bottom 40.7% in tier
  • - Credit Risk Growth: Bottom 45.4% in tier
  • - Efficiency Ratio 9.09% above tier average
Get updates when FirstBank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
Total Assets ? $684.3M
+7.3% YoY +2.1% QoQ
+$297.8M $386.6M
+1.2% YoY
$1.3B
+6.0% YoY
$6.3B
+7.7% YoY
Top 13.4% in tier
Total Loans ? $408.5M
+4.2% YoY +2.1% QoQ
+$150.2M $258.3M
+1.7% YoY
$835.5M
+7.1% YoY
$3.2B
+9.4% YoY
80%
Total Deposits ? $598.3M
+7.7% YoY +2.3% QoQ
+$271.6M $326.7M
+0.7% YoY
$967.8M
+5.8% YoY
$4.9B
+7.3% YoY
Top 12.5% in tier
Return on Assets ? 1.03%
-14.6% YoY +19.8% QoQ
-0.29% 1.32%
+10.8% YoY
1.35%
+7.7% YoY
1.30%
+12.1% YoY
36%
Net Interest Margin ? 5.23%
-2.4% YoY +1.5% QoQ
+1.24% 3.99%
+5.0% YoY
4.27%
+1.9% YoY
3.95%
+4.9% YoY
Top 5.2% in tier
Efficiency Ratio ? 73.57%
+2.7% YoY -2.6% QoQ
+9.09% 64.48%
-3.2% YoY
64.81%
-3.0% YoY
70.05%
+2.5% YoY
23%
Delinquency Rate ? 0.83%
+237.2% YoY +91.9% QoQ
-0.09% 0.92%
+15.7% YoY
1.78%
+23.7% YoY
0.98%
+16.3% YoY
33%
Loan-to-Deposit Ratio ? 68.28%
-3.3% YoY -0.2% QoQ
-9.67% 77.95%
+1.0% YoY
74.14%
+1.3% YoY
79.03%
+2.3% YoY
72%
Non-Interest-Bearing Deposit Share ? 31.81%
+0.8% YoY +2.7% QoQ
+9.78% 22.03%
-0.6% YoY
23.91%
-1.8% YoY
21.98%
-0.6% YoY
Top 14.8% in tier
Nonperforming Asset Ratio ? 0.54%
+253.6% YoY +69.7% QoQ
-0.13% 0.67%
+16.4% YoY
1.24%
+23.1% YoY
0.69%
+15.8% YoY
37%
Tier 1 Capital Ratio ? 10.81%
-2.2% YoY -1.3% QoQ
-5.10% 15.91%
+1.4% YoY
14.18%
-3.9% YoY
17.09%
+0.8% YoY
21%
Non-Interest Income / Assets ? 0.48%
-5.4% YoY +99.8% QoQ
-0.09% 0.57%
+7.6% YoY
0.31%
-11.7% YoY
0.66%
+5.2% YoY
Top 10.1% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
Noninterest-Bearing 31.8%
+0.3pp YoY
+0.8pp QoQ
 +9.7pp 22.1% 23.9% 22.2% 85%
Brokered Deposits n/a n/a 7.9% 9.7% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
C&I 8.5%
+0.6pp YoY
-0.5pp QoQ
 -3.0pp 11.6% 15.7% 12.5% 44%
CRE 19.7%
-1.4pp YoY
+0.4pp QoQ
 -19.8pp 39.5% 42.0% 41.4% 18%
1-4 Family 40.5%
-0.1pp YoY
-0.8pp QoQ
 +7.8pp 32.6% 24.0% 31.3% 71%
Consumer 14.3%
+0.1pp YoY
-0.1pp QoQ
 +10.2pp 4.1% 5.6% 5.0% 96%

Capital

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 17.0% 19.7% n/a
Leverage Ratio 10.8%
-0.2pp YoY
-0.1pp QoQ
 -1.4pp 12.2% 11.7% 12.6% 46%
Total Capital Ratio n/a n/a 19.9% 18.2% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
Full-Time Employees 171
-2 (-1.2%) YoY
+1 (+0.6%) QoQ
 +112 58 150 482 99%
Assets per Employee ($) $4.0M
+8.6% YoY
+1.5% QoQ
 -$3.5M $7.5M $6.5M $8.8M 4%
Branch Count 10
0 YoY
0 QoQ
 +5 4 8 18 90%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
Past Due 90+ Days 0.5%
+0.4pp YoY
+0.3pp QoQ
 +0.2pp 0.3% 0.9% 0.4% 83%
Nonaccrual 0.3%
+0.2pp YoY
0.0pp QoQ
 -0.6pp 0.9% 1.5% 1.0% 42%
Allowance Coverage 1.58x
-71.2% YoY
-48.3% QoQ
 -22.58x 24.15x 61.99x 20.23x 41%
Net Charge-off Rate (YTD) 0.1%
+0.1pp YoY
0.0pp QoQ
 0.0pp 0.1% 0.2% 0.2% 80%

Profitability

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
ROE 8.7%
-1.5pp YoY
+1.5pp QoQ
 -3.5pp 12.2% 11.9% 11.6% 29%
Cost of Funds (YTD) 1.6%
0.0pp YoY
0.0pp QoQ
 -0.2pp 1.7% 1.8% 1.7% 41%
Net Income ($, YTD) $3.4M
-10.1% YoY
— QoQ
 +$887K $2.6M $8.7M $40.4M 75%

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 (1)

Deposit Franchise

growth
#108 of 278 • Top 38.5% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature
Noninterest-Bearing Deposit Share: 31.81%
(Tier: 22.03%, National: 21.98%)
better than tier avg
Net Interest Margin: 5.23%
(Tier: 3.99%, National: 3.95%)
better than tier avg
278 of 278 Community banks match · 368 nationally
→ Stable -1 banks QoQ | QoQ rank improving

Concerns (2)

Margin Compression

decline
#126 of 307 • Bottom 40.7% 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: 1.03%
(Tier: 1.32%, National: 1.30%)
worse than tier avg
307 of 307 Community banks match · 413 nationally
→ Stable +8 banks QoQ | QoQ rank declining

Credit Risk Growth

risk
#426 of 936 • Bottom 45.4% in tier

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

936 of 936 Community banks match · 1401 nationally
→ Stable -58 banks QoQ | QoQ rank declining

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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (6 metrics)

138
Net Interest Margin
profitability
Value: 5.23%
Peer Median: 3.99%
#138 of 2643 Top 5.2% in $100M-$1B
267
Non-Interest Income / Assets
revenue_mix
Value: 0.48%
Peer Median: 0.57%
#267 of 2643 Top 10.1% in $100M-$1B
332
Total Deposits
size
Value: $598.29M
Peer Median: $326.73M
#332 of 2643 Top 12.5% in $100M-$1B
354
Total Assets
size
Value: $684.34M
Peer Median: $386.57M
#354 of 2643 Top 13.4% in $100M-$1B
393
Non-Interest-Bearing Deposit Share
funding
Value: 31.81%
Peer Median: 22.03%
#393 of 2643 Top 14.8% in $100M-$1B
526
Total Loans
size
Value: $408.54M
Peer Median: $258.35M
#526 of 2643 Top 19.9% in $100M-$1B

Top Weaknesses (2 metrics)

2098
Tier 1 Capital Ratio
capital
Value: 10.81%
Peer Median: 15.91%
#2098 of 2643 Bottom 20.7% in $100M-$1B
2047
Efficiency Ratio
profitability
Value: 73.57%
Peer Median: 64.48%
#2047 of 2643 Bottom 22.6% in $100M-$1B
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