BlastPoint's Banking Scorecard

FirstBank

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

Designations: ✓ Minority Depository Institution

Antlers, OK

10 branches across OK

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

FirstBank has 2 strengths but faces 4 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 47.8% in tier
+ Delinquency Rate 0.46% below tier average

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 4.5% in tier
- Margin Compression: Bottom 12.1% in tier
- Credit Quality Pressure: Bottom 29.2% in tier
- Efficiency Ratio 10.25% above tier average

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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 ?	$670.2M +4.9% YoY +3.9% QoQ	+$284.1M	$386.1M +0.5% YoY	$1.2B +6.7% YoY	$6.2B +9.1% YoY	Top 14.0% in tier
Total Loans ?	$400.2M +1.8% YoY +2.2% QoQ	+$144.5M	$255.7M +1.1% YoY	$822.6M +7.2% YoY	$3.2B +10.8% YoY	80%
Total Deposits ?	$584.8M +4.8% YoY +4.1% QoQ	+$256.9M	$328.0M +0.1% YoY	$956.7M +4.7% YoY	$4.8B +8.2% YoY	Top 13.4% in tier
Return on Assets ?	0.86% -26.7% YoY -28.3% QoQ	-0.41%	1.27% +12.9% YoY	1.34% +7.6% YoY	1.23% +13.4% YoY	29%
Net Interest Margin ?	5.15% -2.4% YoY -4.5% QoQ	+1.22%	3.93% +6.0% YoY	4.25% +2.4% YoY	3.89% +5.7% YoY	Top 5.4% in tier
Efficiency Ratio ?	75.53% +5.6% YoY +5.4% QoQ	+10.25%	65.29% -4.5% YoY	65.16% -1.8% YoY	66.95% -4.1% YoY	21%
Delinquency Rate ?	0.43% +40.1% YoY +41.3% QoQ	-0.46%	0.89% +18.8% YoY	1.61% +16.3% YoY	0.95% +18.8% YoY	49%
Loan-to-Deposit Ratio ?	68.43% -2.9% YoY -1.8% QoQ	-8.20%	76.64% +0.8% YoY	73.83% +1.6% YoY	76.70% +0.9% YoY	70%
Non-Interest-Bearing Deposit Share ?	30.98% -7.5% YoY -5.4% QoQ	+8.96%	22.02% -1.0% YoY	23.68% -1.7% YoY	22.01% -1.2% YoY	84%
Nonperforming Asset Ratio ?	0.32% +68.0% YoY +27.5% QoQ	-0.32%	0.64% +19.7% YoY	1.12% +15.3% YoY	0.67% +19.3% YoY	49%
Tier 1 Capital Ratio ?	10.95% +0.8% YoY -1.7% QoQ	-4.88%	15.83% +1.5% YoY	14.36% -1.8% YoY	17.06% +0.8% YoY	22%
Non-Interest Income / Assets ?	0.24% -3.4% YoY -76.6% QoQ	-0.04%	0.28% +9.3% YoY	0.15% -5.6% YoY	0.32% +4.1% YoY	Top 9.9% in tier

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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 (1)

Deposit Franchise

growth

#131 of 272 • Top 47.8% 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: 30.98%

(Tier: 22.02%, National: 22.01%)

better than tier avg

Net Interest Margin: 5.15%

(Tier: 3.93%, National: 3.89%)

better than tier avg

272 of 272 Community banks match · 369 nationally

→ Stable -14 banks QoQ | QoQ rank declining

Concerns (3)

Credit Risk Growth

risk

#45 of 973 • Bottom 4.5% 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

#38 of 305 • Bottom 12.1% 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: 0.86%

(Tier: 1.27%, National: 1.23%)

worse than tier avg

305 of 305 Community banks match · 407 nationally

↑ Growing +94 banks QoQ

Credit Quality Pressure

risk

#383 of 1308 • Bottom 29.2% in tier

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

Why this signature

Delinquency Rate: 0.43%

(Tier: 0.89%, National: 0.95%)

better than tier avg

1308 of 1308 Community banks match · 1899 nationally

→ Stable +2 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).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (6 metrics)

145

Net Interest Margin

profitability

Value: 5.15%

Peer Median: 3.93%

#145 of 2664 Top 5.4% in $100M-$1B

264

Non-Interest Income / Assets

revenue_mix

Value: 0.24%

Peer Median: 0.28%

#264 of 2664 Top 9.9% in $100M-$1B

357

Total Deposits

size

Value: $584.84M

Peer Median: $327.97M

#357 of 2664 Top 13.4% in $100M-$1B

375

Total Assets

size

Value: $670.17M

Peer Median: $386.08M

#375 of 2664 Top 14.0% in $100M-$1B

423

Non-Interest-Bearing Deposit Share

funding

Value: 30.98%

Peer Median: 22.02%

#423 of 2664 Top 15.8% in $100M-$1B

547

Total Loans

size

Value: $400.24M

Peer Median: $255.72M

#547 of 2664 Top 20.5% in $100M-$1B

Top Weaknesses (2 metrics)

2093

Efficiency Ratio

profitability

Value: 75.53%

Peer Median: 65.29%

#2093 of 2664 Bottom 21.5% in $100M-$1B

2070

Tier 1 Capital Ratio

capital

Value: 10.95%

Peer Median: 15.83%

#2070 of 2664 Bottom 22.3% in $100M-$1B