BlastPoint's Banking Scorecard
First American Bank
Designations: ✓ Community bank
Stonewall, 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 -7.5% year over year ($29.5M on the books).
- Delinquency rate 0.68%.
- Return on assets 1.57%.
- Efficiency ratio 69.23% vs a 119.40% peer average.
- Loan-to-deposit ratio 71.84% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
First American Bank demonstrates 4 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.21% above tier average
- + ROA 0.58% above tier average
- + Efficiency Ratio 50.16% below tier average
- + Delinquency Rate 0.80% 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 ? |
$34.3M
-6.1% YoY
-5.0% QoQ
|
-$28.1M |
$62.4M
-0.0% YoY
|
$1.3B
+6.0% YoY
|
$6.3B
+7.7% YoY
|
Bottom 14.9% in tier |
| Total Loans ? |
$21.2M
-8.3% YoY
-4.2% QoQ
|
-$13.7M |
$34.9M
-0.6% YoY
|
$835.5M
+7.1% YoY
|
$3.2B
+9.4% YoY
|
30% |
| Total Deposits ? |
$29.5M
-7.5% YoY
-6.1% QoQ
|
-$22.1M |
$51.6M
-0.2% YoY
|
$967.8M
+5.8% YoY
|
$4.9B
+7.3% YoY
|
19% |
| Return on Assets ? |
1.57%
+13.4% YoY
+24.6% QoQ
|
+0.58% |
1.00%
+3.5% YoY
|
1.35%
+7.7% YoY
|
1.30%
+12.1% YoY
|
78% |
| Net Interest Margin ? |
5.12%
+1.3% YoY
+5.3% QoQ
|
+1.21% |
3.91%
+2.3% YoY
|
4.27%
+1.9% YoY
|
3.95%
+4.9% YoY
|
Top 9.5% in tier |
| Efficiency Ratio ? |
69.23%
-1.5% YoY
-6.2% QoQ
|
-50.16% |
119.40%
+49.6% YoY
|
64.81%
-3.0% YoY
|
70.05%
+2.5% YoY
|
54% |
| Delinquency Rate ? |
0.68%
-52.5% YoY
-35.1% QoQ
|
-0.80% |
1.48%
+31.8% YoY
|
1.78%
+23.7% YoY
|
0.98%
+16.3% YoY
|
44% |
| Loan-to-Deposit Ratio ? |
71.84%
-0.9% YoY
+2.1% QoQ
|
-2.37% |
74.21%
+12.6% YoY
|
74.14%
+1.3% YoY
|
79.03%
+2.3% YoY
|
43% |
| Non-Interest-Bearing Deposit Share ? |
22.56%
-4.7% YoY
+8.3% QoQ
|
-0.93% |
23.49%
+0.6% YoY
|
23.91%
-1.8% YoY
|
21.98%
-0.6% YoY
|
47% |
| Nonperforming Asset Ratio ? |
0.48%
-56.0% YoY
-35.3% QoQ
|
-0.36% |
0.84%
+23.0% YoY
|
1.24%
+23.1% YoY
|
0.69%
+15.8% YoY
|
39% |
| Tier 1 Capital Ratio ? |
13.06%
+6.1% YoY
+3.2% QoQ
|
-14.06% |
27.13%
+3.0% YoY
|
14.18%
-3.9% YoY
|
17.09%
+0.8% YoY
|
32% |
| Non-Interest Income / Assets ? |
0.18%
-0.1% YoY
+129.4% QoQ
|
-1.20% |
1.38%
+6.3% YoY
|
0.31%
-11.7% YoY
|
0.66%
+5.2% YoY
|
65% |
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 |
22.6%
-1.1pp YoY +1.7pp QoQ |
-2.1pp | 24.6% | 23.9% | 22.2% | 44% |
| Brokered Deposits |
5.1%
+0.4pp YoY +0.3pp QoQ |
-4.7pp | 9.8% | 9.7% | 8.5% | 41% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
25.4%
-3.7pp YoY -0.2pp QoQ |
+12.0pp | 13.4% | 15.7% | 12.5% | 85% |
| CRE | 6.3% | -18.9pp | 25.2% | 42.0% | 41.4% | 6% |
| 1-4 Family |
30.1%
+1.4pp YoY +0.4pp QoQ |
-4.9pp | 35.0% | 24.0% | 31.3% | 49% |
| Consumer |
8.8%
+0.4pp YoY +0.4pp QoQ |
+1.1pp | 7.7% | 5.6% | 5.0% | 72% |
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 |
13.1%
+0.7pp YoY +0.4pp QoQ |
-4.6pp | 17.7% | 11.7% | 12.6% | 53% |
| 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 |
9
-2 (-18.2%) YoY 0 QoQ |
-3 | 12 | 150 | 482 | 36% |
| Assets per Employee ($) |
$3.8M
+14.8% YoY -5.0% QoQ |
-$2.4M | $6.2M | $6.5M | $8.8M | 17% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 8 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 1.0% | 0.9% | 0.4% | n/a |
| Nonaccrual |
0.7%
-0.7pp YoY -0.4pp QoQ |
-1.1pp | 1.7% | 1.5% | 1.0% | 48% |
| Allowance Coverage |
3.13x
+132.7% YoY +60.7% QoQ |
-3.28x | 6.41x | 61.99x | 20.23x | 72% |
| Net Charge-off Rate (YTD) |
-0.1%
-0.1pp YoY +0.1pp QoQ |
-0.2pp | 0.2% | 0.2% | 0.2% | 10% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
12.1%
+1.0pp YoY +2.2pp QoQ |
+5.7pp | 6.4% | 11.9% | 11.6% | 72% |
| Cost of Funds (YTD) |
1.1%
0.0pp YoY 0.0pp QoQ |
-0.3pp | 1.4% | 1.8% | 1.7% | 33% |
| Net Income ($, YTD) |
$276,000
+11.3% YoY — QoQ |
-$42K | $317,817 | $8.7M | $40.4M | 48% |
Get Full Access to First American Bank
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
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.