BlastPoint's Banking Scorecard

First Bank of Owasso

$100M-$1B Specialty: Commercial OK FDIC cert 18592

Owasso, OK

3 branches across OK

2664 banks in the $100M-$1B peer group nationally 107 in OK

First Bank of Owasso has 4 strengths but faces 1 concern

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

+ Credit Quality Leader: Top 25.0% in tier
+ Return on Assets 1.46% above tier average
+ Net Interest Margin 0.84% above tier average
+ Efficiency Ratio 19.04% below tier average

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 36.1% in tier

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
Total Assets ?	$646.9M +2.9% YoY +10.7% QoQ	+$260.9M	$386.1M +0.5% YoY	$1.2B +6.7% YoY	$6.2B +9.1% YoY	84%
Total Loans ?	$475.7M +6.0% YoY +2.6% QoQ	+$219.9M	$255.7M +1.1% YoY	$822.6M +7.2% YoY	$3.2B +10.8% YoY	Top 13.2% in tier
Total Deposits ?	$548.9M +1.9% YoY +12.8% QoQ	+$221.0M	$328.0M +0.1% YoY	$956.7M +4.7% YoY	$4.8B +8.2% YoY	84%
Return on Assets ?	2.73% -7.3% YoY -13.1% QoQ	+1.46%	1.27% +12.9% YoY	1.34% +7.6% YoY	1.23% +13.4% YoY	Top 3.2% in tier
Net Interest Margin ?	4.77% -2.1% YoY -6.4% QoQ	+0.84%	3.93% +6.0% YoY	4.25% +2.4% YoY	3.89% +5.7% YoY	Top 11.6% in tier
Efficiency Ratio ?	46.24% +9.7% YoY +11.7% QoQ	-19.04%	65.29% -4.5% YoY	65.16% -1.8% YoY	66.95% -4.1% YoY	Top 10.2% in tier
Delinquency Rate ?	0.01% -24.5% YoY -2.5% QoQ	-0.87%	0.89% +18.8% YoY	1.61% +16.3% YoY	0.95% +18.8% YoY	Top 14.8% in tier
Loan-to-Deposit Ratio ?	86.65% +4.0% YoY -9.1% QoQ	+10.01%	76.64% +0.8% YoY	73.83% +1.6% YoY	76.70% +0.9% YoY	31%
Non-Interest-Bearing Deposit Share ?	20.74% +5.0% YoY -4.8% QoQ	-1.28%	22.02% -1.0% YoY	23.68% -1.7% YoY	22.01% -1.2% YoY	48%
Nonperforming Asset Ratio ?	0.01% -22.2% YoY -9.7% QoQ	-0.63%	0.64% +19.7% YoY	1.12% +15.3% YoY	0.67% +19.3% YoY	Top 14.0% in tier
Tier 1 Capital Ratio ?	17.98% +0.4% YoY -3.4% QoQ	+2.15%	15.83% +1.5% YoY	14.36% -1.8% YoY	17.06% +0.8% YoY	81%
Non-Interest Income / Assets ?	0.15% +13.3% YoY -75.6% QoQ	-0.13%	0.28% +9.3% YoY	0.15% -5.6% YoY	0.32% +4.1% YoY	74%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 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 (1)

Credit Quality Leader

growth

#167 of 664 • Top 25.0% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature

Delinquency Rate: 0.01%

(Tier: 0.89%, National: 0.95%)

better than tier avg

664 of 664 Community banks match · 922 nationally

→ Stable +2 banks QoQ | QoQ rank improving

Concerns (1)

Liquidity Overhang

risk

#268 of 739 • Bottom 36.1% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature

Tier 1 Capital Ratio: 17.98%

(Tier: 15.83%, National: 17.06%)

better than tier avg

Loan-to-Deposit Ratio: 86.65%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

739 of 739 Community banks match · 939 nationally

→ Stable +13 banks QoQ | QoQ rank declining

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).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (9 metrics)

Return on Assets

profitability

Value: 2.73%

Peer Median: 1.27%

#87 of 2664 Top 3.2% in $100M-$1B

274

Efficiency Ratio

profitability

Value: 46.24%

Peer Median: 65.29%

#274 of 2664 Top 10.2% in $100M-$1B

310

Net Interest Margin

profitability

Value: 4.77%

Peer Median: 3.93%

#310 of 2664 Top 11.6% in $100M-$1B

352

Total Loans

size

Value: $475.66M

Peer Median: $255.72M

#352 of 2664 Top 13.2% in $100M-$1B

375

Nonperforming Asset Ratio

credit_quality

Value: 0.01%

Peer Median: 0.64%

#375 of 2664 Top 14.0% in $100M-$1B

393

Delinquency Rate

credit_quality

Value: 0.01%

Peer Median: 0.89%

#393 of 2654 Top 14.8% in $100M-$1B

422

Total Assets

size

Value: $646.94M

Peer Median: $386.08M

#422 of 2664 Top 15.8% in $100M-$1B

435

Total Deposits

size

Value: $548.93M

Peer Median: $327.97M

#435 of 2664 Top 16.3% in $100M-$1B

507

Tier 1 Capital Ratio

capital

Value: 17.98%

Peer Median: 15.83%

#507 of 2664 Top 19.0% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available