BlastPoint

BlastPoint's Banking Scorecard

First Security Bank and Trust Company

$100M-$1B Specialty: Commercial OK FDIC cert 17001

Designations: ✓ Minority Depository Institution

Oklahoma City, 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 +2.6% year over year ($180.7M on the books).
  • Delinquency rate 13.48%.
  • Return on assets 0.18%.
  • Efficiency ratio 74.64% vs a 64.48% peer average.
  • Loan-to-deposit ratio 108.04% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 106 in OK
View $100M-$1B leaderboard (OK) →

First Security Bank and Trust Company faces 7 concerns requiring attention

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

  • - Capital Thin: Bottom 10.4% in tier
  • - Liquidity Strain: Bottom 28.7% in tier
  • - Return on Assets 1.14% below tier average
  • - Delinquency Rate 12.56% above tier average
  • - Non-Interest-Bearing Deposit Share 12.36% below tier average
  • - Nonperforming Asset Ratio 11.04% above tier average
  • - Efficiency Ratio 10.16% above tier average
Get updates when First Security Bank and Trust Company releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
Total Assets ? $226.0M
-0.6% YoY -8.9% QoQ
-$160.6M $386.6M
+1.2% YoY
$1.3B
+6.0% YoY
$6.3B
+7.7% YoY
32%
Total Loans ? $195.2M
-4.9% YoY -6.8% QoQ
-$63.1M $258.3M
+1.7% YoY
$835.5M
+7.1% YoY
$3.2B
+9.4% YoY
47%
Total Deposits ? $180.7M
+2.6% YoY -10.4% QoQ
-$146.0M $326.7M
+0.7% YoY
$967.8M
+5.8% YoY
$4.9B
+7.3% YoY
30%
Return on Assets ? 0.18%
-79.3% YoY -80.3% QoQ
-1.14% 1.32%
+10.8% YoY
1.35%
+7.7% YoY
1.30%
+12.1% YoY
Bottom 5.3% in tier
Net Interest Margin ? 3.98%
-27.5% YoY +1.0% QoQ
-0.01% 3.99%
+5.0% YoY
4.27%
+1.9% YoY
3.95%
+4.9% YoY
52%
Efficiency Ratio ? 74.64%
+47.4% YoY +17.1% QoQ
+10.16% 64.48%
-3.2% YoY
64.81%
-3.0% YoY
70.05%
+2.5% YoY
21%
Delinquency Rate ? 13.48%
+469.1% YoY +49.1% QoQ
+12.56% 0.92%
+15.7% YoY
1.78%
+23.7% YoY
0.98%
+16.3% YoY
Bottom 0.2% in tier
Loan-to-Deposit Ratio ? 108.04%
-7.2% YoY +4.0% QoQ
+30.09% 77.95%
+1.0% YoY
74.14%
+1.3% YoY
79.03%
+2.3% YoY
Bottom 4.1% in tier
Non-Interest-Bearing Deposit Share ? 9.67%
-13.6% YoY +12.7% QoQ
-12.36% 22.03%
-0.6% YoY
23.91%
-1.8% YoY
21.98%
-0.6% YoY
Bottom 9.9% in tier
Nonperforming Asset Ratio ? 11.71%
+447.6% YoY +52.1% QoQ
+11.04% 0.67%
+16.4% YoY
1.24%
+23.1% YoY
0.69%
+15.8% YoY
Bottom 0.1% in tier
Tier 1 Capital Ratio ? 10.09%
-13.2% YoY +4.8% QoQ
-5.82% 15.91%
+1.4% YoY
14.18%
-3.9% YoY
17.09%
+0.8% YoY
Bottom 12.0% in tier
Non-Interest Income / Assets ? 0.19%
-22.3% YoY +48.6% QoQ
-0.37% 0.57%
+7.6% YoY
0.31%
-11.7% YoY
0.66%
+5.2% YoY
47%

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 9.7%
-1.5pp YoY
+1.1pp QoQ
 -12.5pp 22.1% 23.9% 22.2% 9%
Brokered Deposits 8.6%
+2.5pp YoY
+0.9pp QoQ
 +0.7pp 7.9% 9.7% 8.5% 70%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
C&I 37.8%
+13.9pp YoY
+2.4pp QoQ
 +26.2pp 11.6% 15.7% 12.5% 98%
CRE 33.9%
-8.1pp YoY
-1.5pp QoQ
 -5.7pp 39.5% 42.0% 41.4% 41%
1-4 Family 28.7%
-0.9pp YoY
-0.3pp QoQ
 -4.0pp 32.6% 24.0% 31.3% 48%
Consumer 1.8%
-4.5pp YoY
-0.2pp QoQ
 -2.3pp 4.1% 5.6% 5.0% 44%

Capital

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 17.0% 19.7% n/a
Leverage Ratio 10.1%
-0.5pp YoY
+0.5pp QoQ
 -2.1pp 12.2% 11.7% 12.6% 34%
Total Capital Ratio n/a n/a 19.9% 18.2% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
Full-Time Employees 35
+4 (+12.9%) YoY
+2 (+6.1%) QoQ
 -24 58 150 482 35%
Assets per Employee ($) $6.5M
-11.9% YoY
-14.1% QoQ
 -$1.1M $7.5M $6.5M $8.8M 42%
Branch Count 1
0 YoY
0 QoQ
 -4 4 8 18 0%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
Past Due 90+ Days 4.3%
+2.2pp YoY
+3.6pp QoQ
 +4.0pp 0.3% 0.9% 0.4% 100%
Nonaccrual 9.1%
+8.9pp YoY
+0.9pp QoQ
 +8.2pp 0.9% 1.5% 1.0% 100%
Allowance Coverage 0.16x
-78.2% YoY
-17.1% QoQ
 -24.00x 24.15x 61.99x 20.23x 0%
Net Charge-off Rate (YTD) 0.1%
-0.4pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.2% 0.2% 68%

Profitability

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
ROE 1.9%
-6.0pp YoY
-7.9pp QoQ
 -10.3pp 12.2% 11.9% 11.6% 6%
Cost of Funds (YTD) 3.3%
-0.4pp YoY
+0.1pp QoQ
 +1.6pp 1.7% 1.8% 1.7% 99%
Net Income ($, YTD) $223,000
-75.1% YoY
— QoQ
 -$2.3M $2.6M $8.7M $40.4M 5%

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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

Capital Thin

risk
#70 of 661 • Bottom 10.4% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature
Tier 1 Capital Ratio: 10.09%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

Liquidity Strain

risk
#199 of 691 • Bottom 28.7% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 108.04%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
691 of 691 Community banks match · 1092 nationally
→ Stable +81 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (7 metrics)

2641
Nonperforming Asset Ratio
credit_quality
Value: 11.71%
Peer Median: 0.67%
#2641 of 2643 Bottom 0.1% in $100M-$1B
2629
Delinquency Rate
credit_quality
Value: 13.48%
Peer Median: 0.92%
#2629 of 2633 Bottom 0.2% in $100M-$1B
2535
Loan-to-Deposit Ratio
liquidity
Value: 108.04%
Peer Median: 77.95%
#2535 of 2643 Bottom 4.1% in $100M-$1B
2504
Return on Assets
profitability
Value: 0.18%
Peer Median: 1.32%
#2504 of 2643 Bottom 5.3% in $100M-$1B
2382
Non-Interest-Bearing Deposit Share
funding
Value: 9.67%
Peer Median: 22.03%
#2382 of 2643 Bottom 9.9% in $100M-$1B
2328
Tier 1 Capital Ratio
capital
Value: 10.09%
Peer Median: 15.91%
#2328 of 2643 Bottom 12.0% in $100M-$1B
2090
Efficiency Ratio
profitability
Value: 74.64%
Peer Median: 64.48%
#2090 of 2643 Bottom 21.0% in $100M-$1B
Powered by BlastPoint © 2026