BlastPoint's Banking Scorecard
FNB Community Bank
Midwest City, OK
7 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 +0.4% year over year ($430.3M on the books).
- Delinquency rate 2.39%.
- Return on assets 1.14%.
- Efficiency ratio 75.39% vs a 64.48% peer average.
- Loan-to-deposit ratio 69.41% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
FNB Community Bank faces 4 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Delinquency Rate 1.47% above tier average
- - Nonperforming Asset Ratio 1.42% above tier average
- - ROA 0.19% below tier average
- - Efficiency Ratio 10.92% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$480.2M
+1.3% YoY
-3.2% QoQ
|
+$93.6M |
$386.6M
+1.2% YoY
|
$1.3B
+6.0% YoY
|
$6.3B
+7.7% YoY
|
70% |
| Total Loans ? |
$298.7M
+14.4% YoY
+6.6% QoQ
|
+$40.3M |
$258.3M
+1.7% YoY
|
$835.5M
+7.1% YoY
|
$3.2B
+9.4% YoY
|
67% |
| Total Deposits ? |
$430.3M
+0.4% YoY
-3.6% QoQ
|
+$103.5M |
$326.7M
+0.7% YoY
|
$967.8M
+5.8% YoY
|
$4.9B
+7.3% YoY
|
73% |
| Return on Assets ? |
1.14%
+49.1% YoY
+13.6% QoQ
|
-0.19% |
1.32%
+10.8% YoY
|
1.35%
+7.7% YoY
|
1.30%
+12.1% YoY
|
43% |
| Net Interest Margin ? |
4.03%
+12.0% YoY
+5.3% QoQ
|
+0.04% |
3.99%
+5.0% YoY
|
4.27%
+1.9% YoY
|
3.95%
+4.9% YoY
|
55% |
| Efficiency Ratio ? |
75.39%
-5.2% YoY
-1.6% QoQ
|
+10.92% |
64.48%
-3.2% YoY
|
64.81%
-3.0% YoY
|
70.05%
+2.5% YoY
|
20% |
| Delinquency Rate ? |
2.39%
-23.0% YoY
-12.4% QoQ
|
+1.47% |
0.92%
+15.7% YoY
|
1.78%
+23.7% YoY
|
0.98%
+16.3% YoY
|
Bottom 9.4% in tier |
| Loan-to-Deposit Ratio ? |
69.41%
+13.9% YoY
+10.6% QoQ
|
-8.54% |
77.95%
+1.0% YoY
|
74.14%
+1.3% YoY
|
79.03%
+2.3% YoY
|
70% |
| Non-Interest-Bearing Deposit Share ? |
28.52%
+8.2% YoY
+7.7% QoQ
|
+6.49% |
22.03%
-0.6% YoY
|
23.91%
-1.8% YoY
|
21.98%
-0.6% YoY
|
78% |
| Nonperforming Asset Ratio ? |
2.09%
+8.8% YoY
-1.6% QoQ
|
+1.42% |
0.67%
+16.4% YoY
|
1.24%
+23.1% YoY
|
0.69%
+15.8% YoY
|
Bottom 6.5% in tier |
| Tier 1 Capital Ratio ? |
16.09%
-10.9% YoY
-7.2% QoQ
|
+0.18% |
15.91%
+1.4% YoY
|
14.18%
-3.9% YoY
|
17.09%
+0.8% YoY
|
72% |
| Non-Interest Income / Assets ? |
0.29%
+22.8% YoY
+128.1% QoQ
|
-0.27% |
0.57%
+7.6% YoY
|
0.31%
-11.7% YoY
|
0.66%
+5.2% YoY
|
71% |
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 |
28.5%
+2.2pp YoY +2.0pp QoQ |
+6.4pp | 22.1% | 23.9% | 22.2% | 77% |
| 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 |
12.7%
-0.7pp YoY -1.6pp QoQ |
+1.1pp | 11.6% | 15.7% | 12.5% | 67% |
| CRE |
61.8%
+4.4pp YoY +2.7pp QoQ |
+22.2pp | 39.5% | 42.0% | 41.4% | 86% |
| 1-4 Family |
19.5%
-2.0pp YoY -0.6pp QoQ |
-13.2pp | 32.6% | 24.0% | 31.3% | 29% |
| Consumer |
6.0%
-1.8pp YoY -0.5pp QoQ |
+1.9pp | 4.1% | 5.6% | 5.0% | 82% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
16.1%
-2.0pp YoY -1.3pp QoQ |
-2.7pp | 18.8% | 17.0% | 19.7% | 58% |
| Leverage Ratio |
10.5%
0.0pp YoY +0.1pp QoQ |
-1.6pp | 12.2% | 11.7% | 12.6% | 42% |
| Total Capital Ratio |
17.4%
-2.0pp YoY -1.3pp QoQ |
-2.6pp | 19.9% | 18.2% | 20.8% | 59% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
95
+5 (+5.6%) YoY +3 (+3.3%) QoQ |
+36 | 58 | 150 | 482 | 85% |
| Assets per Employee ($) |
$5.1M
-4.1% YoY -6.3% QoQ |
-$2.5M | $7.5M | $6.5M | $8.8M | 15% |
| Branch Count |
7
0 YoY 0 QoQ |
+2 | 4 | 8 | 18 | 75% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.9% | 0.4% | n/a |
| Nonaccrual |
2.4%
-0.5pp YoY -0.3pp QoQ |
+1.5pp | 0.9% | 1.5% | 1.0% | 91% |
| Allowance Coverage |
0.78x
+9.1% YoY -0.8% QoQ |
-23.37x | 24.15x | 61.99x | 20.23x | 20% |
| Net Charge-off Rate (YTD) |
0.4%
-0.4pp YoY +0.4pp QoQ |
+0.2pp | 0.1% | 0.2% | 0.2% | 91% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
11.9%
+3.3pp YoY +1.3pp QoQ |
-0.3pp | 12.2% | 11.9% | 11.6% | 49% |
| Cost of Funds (YTD) |
0.8%
-0.2pp YoY 0.0pp QoQ |
-0.9pp | 1.7% | 1.8% | 1.7% | 6% |
| Net Income ($, YTD) |
$2.8M
+54.2% YoY — QoQ |
+$197K | $2.6M | $8.7M | $40.4M | 66% |
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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.