BlastPoint's Banking Scorecard
First Bank and Trust Company
Designations: ✓ Community bank
Clinton, 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 536 banks in the under $100M peer group nationwide — 1 of 39 in OK.
- Deposits +1.0% year over year ($47.1M on the books).
- Delinquency rate 0.02%.
- Return on assets 1.83%.
- Efficiency ratio 57.17% vs a 119.40% peer average.
- Loan-to-deposit ratio 44.53% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
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 0.20% above tier average
- + Efficiency Ratio 62.23% below tier average
- + Delinquency Rate 1.46% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$58.2M
+1.8% YoY
-1.1% QoQ
|
-$4.3M |
$62.4M
-0.0% YoY
|
$1.3B
+6.0% YoY
|
$6.3B
+7.7% YoY
|
43% |
| Total Loans ? |
$21.0M
+6.6% YoY
+2.9% QoQ
|
-$13.9M |
$34.9M
-0.6% YoY
|
$835.5M
+7.1% YoY
|
$3.2B
+9.4% YoY
|
30% |
| Total Deposits ? |
$47.1M
+1.0% YoY
-1.5% QoQ
|
-$4.5M |
$51.6M
-0.2% YoY
|
$967.8M
+5.8% YoY
|
$4.9B
+7.3% YoY
|
40% |
| Return on Assets ? |
1.83%
-4.9% YoY
+8.6% QoQ
|
+0.83% |
1.00%
+3.5% YoY
|
1.35%
+7.7% YoY
|
1.30%
+12.1% YoY
|
85% |
| Net Interest Margin ? |
4.12%
-5.1% YoY
+3.5% QoQ
|
+0.20% |
3.91%
+2.3% YoY
|
4.27%
+1.9% YoY
|
3.95%
+4.9% YoY
|
61% |
| Efficiency Ratio ? |
57.17%
+0.5% YoY
-2.4% QoQ
|
-62.23% |
119.40%
+49.6% YoY
|
64.81%
-3.0% YoY
|
70.05%
+2.5% YoY
|
79% |
| Delinquency Rate ? |
0.02%
-96.8% YoY
-81.5% QoQ
|
-1.46% |
1.48%
+31.8% YoY
|
1.78%
+23.7% YoY
|
0.98%
+16.3% YoY
|
71% |
| Loan-to-Deposit Ratio ? |
44.53%
+5.5% YoY
+4.5% QoQ
|
-29.68% |
74.21%
+12.6% YoY
|
74.14%
+1.3% YoY
|
79.03%
+2.3% YoY
|
76% |
| Non-Interest-Bearing Deposit Share ? |
32.67%
-18.9% YoY
+2.3% QoQ
|
+9.18% |
23.49%
+0.6% YoY
|
23.91%
-1.8% YoY
|
21.98%
-0.6% YoY
|
82% |
| Nonperforming Asset Ratio ? |
0.01%
-96.6% YoY
-80.7% QoQ
|
-0.83% |
0.84%
+23.0% YoY
|
1.24%
+23.1% YoY
|
0.69%
+15.8% YoY
|
70% |
| Tier 1 Capital Ratio ? |
16.68%
+2.7% YoY
+4.2% QoQ
|
-10.44% |
27.13%
+3.0% YoY
|
14.18%
-3.9% YoY
|
17.09%
+0.8% YoY
|
57% |
| Non-Interest Income / Assets ? |
0.14%
-3.0% YoY
+166.3% QoQ
|
-1.24% |
1.38%
+6.3% YoY
|
0.31%
-11.7% YoY
|
0.66%
+5.2% YoY
|
53% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 |
32.7%
-7.6pp YoY +0.7pp QoQ |
+8.0pp | 24.6% | 23.9% | 22.2% | 81% |
| Brokered Deposits | n/a | n/a | 9.8% | 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 |
16.1%
+1.5pp YoY +0.9pp QoQ |
+2.7pp | 13.4% | 15.7% | 12.5% | 71% |
| CRE | n/a | n/a | 25.2% | 42.0% | 41.4% | n/a |
| 1-4 Family |
59.9%
-0.3pp YoY -2.1pp QoQ |
+24.9pp | 35.0% | 24.0% | 31.3% | 81% |
| Consumer |
17.9%
-3.2pp YoY -0.7pp QoQ |
+10.2pp | 7.7% | 5.6% | 5.0% | 92% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 38.7% | 17.0% | 19.7% | n/a |
| Leverage Ratio |
16.7%
+0.4pp YoY +0.7pp QoQ |
-1.0pp | 17.7% | 11.7% | 12.6% | 78% |
| Total Capital Ratio | n/a | n/a | 39.7% | 18.2% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
11
-1 (-8.3%) YoY 0 QoQ |
-1 | 12 | 150 | 482 | 50% |
| Assets per Employee ($) |
$5.3M
+11.1% YoY -1.1% QoQ |
-$900K | $6.2M | $6.5M | $8.8M | 41% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 8 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
-0.2pp YoY -0.1pp QoQ |
-0.9pp | 1.0% | 0.9% | 0.4% | 10% |
| Nonaccrual | n/a | n/a | 1.7% | 1.5% | 1.0% | n/a |
| Allowance Coverage |
65.25x
+2780.8% YoY +425.0% QoQ |
+58.84x | 6.41x | 61.99x | 20.23x | 98% |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.2% | 0.2% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
12.6%
-2.0pp YoY +0.9pp QoQ |
+6.2pp | 6.4% | 11.9% | 11.6% | 75% |
| Cost of Funds (YTD) |
0.8%
+0.1pp YoY 0.0pp QoQ |
-0.6pp | 1.4% | 1.8% | 1.7% | 18% |
| Net Income ($, YTD) |
$523,000
-5.1% YoY — QoQ |
+$205K | $317,817 | $8.7M | $40.4M | 76% |
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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.