BlastPoint's Banking Scorecard
Firstar Bank
Designations: ✓ Community bank
Sallisaw, OK
11 branches across OK · AR
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 885 banks in the $1B-$10B peer group nationwide — 1 of 21 in OK.
- Deposits +12.1% year over year ($1.1B on the books).
- Delinquency rate 0.69%.
- Return on assets 1.58%.
- Efficiency ratio 57.72% vs a 59.73% peer average.
- Loan-to-deposit ratio 76.87% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Firstar Bank shows strong momentum with 4 strengths and 11.8% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.06% above tier average
- + ROA 0.19% above tier average
- + Efficiency Ratio 2.00% below tier average
- + Delinquency Rate 0.18% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.2B
+11.8% YoY
-1.1% QoQ
|
-$1.6B |
$2.8B
-0.6% YoY
|
$1.3B
+6.0% YoY
|
$6.3B
+7.7% YoY
|
20% |
| Total Loans ? |
$839.0M
-0.6% YoY
-3.6% QoQ
|
-$1.1B |
$2.0B
-0.3% YoY
|
$835.5M
+7.1% YoY
|
$3.2B
+9.4% YoY
|
17% |
| Total Deposits ? |
$1.1B
+12.1% YoY
-1.5% QoQ
|
-$1.2B |
$2.3B
-0.5% YoY
|
$967.8M
+5.8% YoY
|
$4.9B
+7.3% YoY
|
22% |
| Return on Assets ? |
1.58%
+2.9% YoY
-3.1% QoQ
|
+0.19% |
1.39%
+17.0% YoY
|
1.35%
+7.7% YoY
|
1.30%
+12.1% YoY
|
73% |
| Net Interest Margin ? |
4.93%
-7.0% YoY
-1.7% QoQ
|
+1.06% |
3.87%
+6.2% YoY
|
4.27%
+1.9% YoY
|
3.95%
+4.9% YoY
|
Top 6.2% in tier |
| Efficiency Ratio ? |
57.72%
-4.6% YoY
+4.3% QoQ
|
-2.00% |
59.73%
-12.6% YoY
|
64.81%
-3.0% YoY
|
70.05%
+2.5% YoY
|
56% |
| Delinquency Rate ? |
0.69%
+34.8% YoY
+16.2% QoQ
|
-0.18% |
0.87%
+11.7% YoY
|
1.78%
+23.7% YoY
|
0.98%
+16.3% YoY
|
39% |
| Loan-to-Deposit Ratio ? |
76.87%
-11.3% YoY
-2.1% QoQ
|
-8.17% |
85.04%
-0.1% YoY
|
74.14%
+1.3% YoY
|
79.03%
+2.3% YoY
|
74% |
| Non-Interest-Bearing Deposit Share ? |
23.62%
-7.1% YoY
+4.7% QoQ
|
+2.35% |
21.27%
-1.5% YoY
|
23.91%
-1.8% YoY
|
21.98%
-0.6% YoY
|
66% |
| Nonperforming Asset Ratio ? |
0.62%
+30.4% YoY
+9.4% QoQ
|
-0.05% |
0.67%
+11.7% YoY
|
1.24%
+23.1% YoY
|
0.69%
+15.8% YoY
|
37% |
| Tier 1 Capital Ratio ? |
12.64%
+8.9% YoY
+4.6% QoQ
|
-2.20% |
14.84%
-0.4% YoY
|
14.18%
-3.9% YoY
|
17.09%
+0.8% YoY
|
43% |
| Non-Interest Income / Assets ? |
0.35%
-0.0% YoY
+105.1% QoQ
|
-0.17% |
0.53%
+2.5% YoY
|
0.31%
-11.7% YoY
|
0.66%
+5.2% YoY
|
63% |
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 |
23.6%
-1.8pp YoY +1.1pp QoQ |
+2.3pp | 21.4% | 23.9% | 22.2% | 66% |
| Brokered Deposits |
0.0%
0.0pp YoY 0.0pp QoQ |
-9.5pp | 9.5% | 9.7% | 8.5% | 1% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
21.2%
-1.3pp YoY +0.1pp QoQ |
+7.2pp | 14.0% | 15.7% | 12.5% | 82% |
| CRE |
52.5%
+3.3pp YoY -0.1pp QoQ |
+2.5pp | 50.0% | 42.0% | 41.4% | 59% |
| 1-4 Family |
22.2%
-2.1pp YoY 0.0pp QoQ |
-4.2pp | 26.4% | 24.0% | 31.3% | 47% |
| Consumer |
2.0%
0.0pp YoY 0.0pp QoQ |
-2.7pp | 4.7% | 5.6% | 5.0% | 65% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
12.6%
+1.0pp YoY +0.6pp QoQ |
-3.0pp | 15.6% | 17.0% | 19.7% | 35% |
| Leverage Ratio |
9.0%
-0.2pp YoY -0.2pp QoQ |
-2.3pp | 11.3% | 11.7% | 12.6% | 12% |
| Total Capital Ratio |
13.7%
+1.1pp YoY +0.6pp QoQ |
-3.0pp | 16.7% | 18.2% | 20.8% | 34% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
212
-1 (-0.5%) YoY -2 (-0.9%) QoQ |
-102 | 313 | 150 | 482 | 45% |
| Assets per Employee ($) |
$5.8M
+12.3% YoY -0.2% QoQ |
-$4.6M | $10.5M | $6.5M | $8.8M | 10% |
| Branch Count |
11
-1 (-8.3%) YoY 0 QoQ |
-9 | 20 | 8 | 18 | 35% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.2% | 0.9% | 0.4% | n/a |
| Nonaccrual |
0.7%
+0.2pp YoY +0.1pp QoQ |
-0.1pp | 0.8% | 1.5% | 1.0% | 62% |
| Allowance Coverage |
1.46x
-20.2% YoY -10.8% QoQ |
-17.25x | 18.71x | 61.99x | 20.23x | 38% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.2pp | 0.3% | 0.2% | 0.2% | 50% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
14.3%
+0.9pp YoY -0.4pp QoQ |
+1.8pp | 12.6% | 11.9% | 11.6% | 68% |
| Cost of Funds (YTD) |
1.8%
-0.1pp YoY 0.0pp QoQ |
-0.1pp | 1.9% | 1.8% | 1.7% | 45% |
| Net Income ($, YTD) |
$9.5M
+14.4% YoY — QoQ |
-$9.7M | $19.2M | $8.7M | $40.4M | 37% |
Get Full Access to Firstar Bank
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
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.