BlastPoint's Banking Scorecard
First Security Bank and Trust Company
Designations: ✓ Minority Depository Institution
Oklahoma City, OK
First Security Bank and Trust Company has 1 strength but faces 6 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 1.55% below tier average
Key Concerns
Areas that may need attention
- - NIB Deposit Bleed: Bottom 5.6% in tier
- - Cost Spiral: Bottom 77.0% in tier
- - Delinquency Rate 8.15% above tier average
- - Loan-to-Deposit Ratio 27.21% above tier average
- - Nonperforming Asset Ratio 7.06% above tier average
- - ROA 0.34% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$247.9M
+21.7% YoY
-2.8% QoQ
|
-$138.2M |
$386.1M
+0.5% YoY
|
$1.2B
+6.7% YoY
|
$6.2B
+9.1% YoY
|
36% |
| Total Loans ? |
$209.5M
+14.7% YoY
-1.8% QoQ
|
-$46.2M |
$255.7M
+1.1% YoY
|
$822.6M
+7.2% YoY
|
$3.2B
+10.8% YoY
|
51% |
| Total Deposits ? |
$201.7M
+25.6% YoY
-3.6% QoQ
|
-$126.2M |
$328.0M
+0.1% YoY
|
$956.7M
+4.7% YoY
|
$4.8B
+8.2% YoY
|
34% |
| Return on Assets ? |
0.93%
+161.1% YoY
-25.8% QoQ
|
-0.34% |
1.27%
+12.9% YoY
|
1.34%
+7.6% YoY
|
1.23%
+13.4% YoY
|
34% |
| Net Interest Margin ? |
3.94%
-28.5% YoY
-15.4% QoQ
|
+0.01% |
3.93%
+6.0% YoY
|
4.25%
+2.4% YoY
|
3.89%
+5.7% YoY
|
53% |
| Efficiency Ratio ? |
63.74%
+19.6% YoY
+12.6% QoQ
|
-1.55% |
65.29%
-4.5% YoY
|
65.16%
-1.8% YoY
|
66.95%
-4.1% YoY
|
48% |
| Delinquency Rate ? |
9.04%
+448.9% YoY
+23.7% QoQ
|
+8.15% |
0.89%
+18.8% YoY
|
1.61%
+16.3% YoY
|
0.95%
+18.8% YoY
|
Bottom 0.3% in tier |
| Loan-to-Deposit Ratio ? |
103.85%
-8.7% YoY
+1.9% QoQ
|
+27.21% |
76.64%
+0.8% YoY
|
73.83%
+1.6% YoY
|
76.70%
+0.9% YoY
|
Bottom 5.5% in tier |
| Non-Interest-Bearing Deposit Share ? |
8.58%
-30.8% YoY
+7.5% QoQ
|
-13.44% |
22.02%
-1.0% YoY
|
23.68%
-1.7% YoY
|
22.01%
-1.2% YoY
|
Bottom 8.2% in tier |
| Nonperforming Asset Ratio ? |
7.70%
+421.4% YoY
+25.9% QoQ
|
+7.06% |
0.64%
+19.7% YoY
|
1.12%
+15.3% YoY
|
0.67%
+19.3% YoY
|
Bottom 0.1% in tier |
| Tier 1 Capital Ratio ? |
9.62%
-28.5% YoY
+1.8% QoQ
|
-6.21% |
15.83%
+1.5% YoY
|
14.36%
-1.8% YoY
|
17.06%
+0.8% YoY
|
Bottom 5.9% in tier |
| Non-Interest Income / Assets ? |
0.13%
+5.7% YoY
-70.6% QoQ
|
-0.15% |
0.28%
+9.3% YoY
|
0.15%
-5.6% YoY
|
0.32%
+4.1% YoY
|
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 (2)
NIB Deposit Bleed
declineNon-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.
Cost Spiral
riskHistorically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.