BlastPoint's Banking Scorecard
First Bank and Trust Company
Designations: ✓ Community bank
Clinton, OK
First Bank and Trust Company demonstrates 4 strengths
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.83% above tier average
- + Net Interest Margin 0.11% above tier average
- + Efficiency Ratio 29.05% below tier average
- + Delinquency Rate 1.26% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$58.8M
+3.1% YoY
+7.3% QoQ
|
-$3.5M |
$62.3M
-0.5% YoY
|
$1.2B
+6.7% YoY
|
$6.2B
+9.0% YoY
|
44% |
| Total Loans ? |
$20.4M
-0.6% YoY
-1.5% QoQ
|
-$13.9M |
$34.3M
-1.5% YoY
|
$822.6M
+7.2% YoY
|
$3.2B
+10.7% YoY
|
28% |
| Total Deposits ? |
$47.8M
+1.7% YoY
+10.2% QoQ
|
-$4.0M |
$51.8M
-0.6% YoY
|
$956.7M
+4.7% YoY
|
$4.8B
+8.0% YoY
|
40% |
| Return on Assets ? |
1.68%
-22.5% YoY
-12.2% QoQ
|
+0.83% |
0.86%
-3.6% YoY
|
1.34%
+7.6% YoY
|
1.24%
+13.1% YoY
|
83% |
| Net Interest Margin ? |
3.98%
-7.8% YoY
-8.7% QoQ
|
+0.11% |
3.87%
+2.7% YoY
|
4.25%
+2.4% YoY
|
3.89%
+5.7% YoY
|
58% |
| Efficiency Ratio ? |
58.58%
+12.5% YoY
+1.7% QoQ
|
-29.05% |
87.63%
+2.3% YoY
|
65.16%
-1.8% YoY
|
66.84%
-3.8% YoY
|
77% |
| Delinquency Rate ? |
0.10%
-77.5% YoY
-78.9% QoQ
|
-1.26% |
1.36%
+33.7% YoY
|
1.61%
+16.3% YoY
|
0.95%
+18.8% YoY
|
63% |
| Loan-to-Deposit Ratio ? |
42.62%
-2.3% YoY
-10.6% QoQ
|
-21.49% |
64.11%
-0.9% YoY
|
73.83%
+1.6% YoY
|
76.69%
+0.9% YoY
|
78% |
| Non-Interest-Bearing Deposit Share ? |
31.93%
-19.9% YoY
-15.0% QoQ
|
+8.14% |
23.79%
+0.5% YoY
|
23.68%
-1.7% YoY
|
22.01%
-1.1% YoY
|
78% |
| Nonperforming Asset Ratio ? |
0.04%
-78.3% YoY
-80.6% QoQ
|
-0.74% |
0.77%
+28.7% YoY
|
1.12%
+15.3% YoY
|
0.66%
+19.3% YoY
|
66% |
| Tier 1 Capital Ratio ? |
16.01%
+0.4% YoY
-2.9% QoQ
|
-10.76% |
26.77%
+2.0% YoY
|
14.36%
-1.8% YoY
|
17.06%
+0.8% YoY
|
54% |
| Non-Interest Income / Assets ? |
0.05%
-47.1% YoY
-84.3% QoQ
|
-0.62% |
0.67%
+1.6% YoY
|
0.15%
-5.6% YoY
|
0.32%
+4.0% YoY
|
43% |
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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 (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.