BlastPoint's Banking Scorecard
FSNB, National Association
Lawton, OK
68 branches across TN · NC · MS · OK · AR · LA · GA · DE · TX
FSNB, National Association has 3 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 0.8% in tier
- + Profitability Leader: Top 10.8% in tier
- + Delinquency Rate 0.48% below tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 18.6% in tier
- - Non-Interest-Bearing Deposit Share 17.15% below tier average
- - Net Interest Margin 0.27% below tier average
- - Efficiency Ratio 9.11% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$471.2M
+1.7% YoY
-1.6% QoQ
|
+$85.2M |
$386.1M
+0.5% YoY
|
$1.2B
+6.7% YoY
|
$6.2B
+9.1% YoY
|
69% |
| Total Loans ? |
$142.3M
-4.6% YoY
+1.8% QoQ
|
-$113.4M |
$255.7M
+1.1% YoY
|
$822.6M
+7.2% YoY
|
$3.2B
+10.8% YoY
|
33% |
| Total Deposits ? |
$377.7M
+0.9% YoY
-1.8% QoQ
|
+$49.7M |
$328.0M
+0.1% YoY
|
$956.7M
+4.7% YoY
|
$4.8B
+8.2% YoY
|
67% |
| Return on Assets ? |
2.78%
+26.2% YoY
-27.1% QoQ
|
+1.51% |
1.27%
+12.9% YoY
|
1.34%
+7.6% YoY
|
1.23%
+13.4% YoY
|
Top 3.0% in tier |
| Net Interest Margin ? |
3.66%
-1.8% YoY
-2.8% QoQ
|
-0.27% |
3.93%
+6.0% YoY
|
4.25%
+2.4% YoY
|
3.89%
+5.7% YoY
|
39% |
| Efficiency Ratio ? |
74.39%
-1.8% YoY
+7.3% QoQ
|
+9.11% |
65.29%
-4.5% YoY
|
65.16%
-1.8% YoY
|
66.95%
-4.1% YoY
|
23% |
| Delinquency Rate ? |
0.40%
+5.2% YoY
+21.8% QoQ
|
-0.48% |
0.89%
+18.8% YoY
|
1.61%
+16.3% YoY
|
0.95%
+18.8% YoY
|
51% |
| Loan-to-Deposit Ratio ? |
37.68%
-5.4% YoY
+3.7% QoQ
|
-38.96% |
76.64%
+0.8% YoY
|
73.83%
+1.6% YoY
|
76.70%
+0.9% YoY
|
Top 3.6% in tier |
| Non-Interest-Bearing Deposit Share ? |
4.87%
+6.9% YoY
+1.5% QoQ
|
-17.15% |
22.02%
-1.0% YoY
|
23.68%
-1.7% YoY
|
22.01%
-1.2% YoY
|
Bottom 3.5% in tier |
| Nonperforming Asset Ratio ? |
0.77%
-1.6% YoY
+4.8% QoQ
|
+0.13% |
0.64%
+19.7% YoY
|
1.12%
+15.3% YoY
|
0.67%
+19.3% YoY
|
27% |
| Tier 1 Capital Ratio ? |
17.10%
+5.6% YoY
-1.3% QoQ
|
+1.27% |
15.83%
+1.5% YoY
|
14.36%
-1.8% YoY
|
17.06%
+0.8% YoY
|
77% |
| Non-Interest Income / Assets ? |
2.06%
-4.0% YoY
-76.9% QoQ
|
+1.78% |
0.28%
+9.3% YoY
|
0.15%
-5.6% YoY
|
0.32%
+4.1% YoY
|
Top 0.8% in tier |
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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 (2)
Revenue Diversifier
growthTop-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Profitability Leader
growthTop-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Concerns (1)
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.