BlastPoint's Banking Scorecard
First State Bank
Designations: ✓ Community bank
Watonga, OK
First State Bank shows strong momentum with 4 strengths and 7.8% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 1.31% above tier average
- + Net Interest Margin 0.97% above tier average
- + Efficiency Ratio 31.86% below tier average
- + Delinquency Rate 1.32% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$89.7M
+7.8% YoY
+7.9% QoQ
|
+$27.5M |
$62.2M
-0.6% YoY
|
$1.2B
+6.7% YoY
|
$6.2B
+9.1% YoY
|
Top 12.8% in tier |
| Total Loans ? |
$51.4M
+22.5% YoY
+1.2% QoQ
|
+$17.1M |
$34.2M
-1.4% YoY
|
$822.6M
+7.2% YoY
|
$3.2B
+10.8% YoY
|
78% |
| Total Deposits ? |
$79.4M
+7.4% YoY
+8.9% QoQ
|
+$27.6M |
$51.7M
-0.7% YoY
|
$956.7M
+4.7% YoY
|
$4.8B
+8.2% YoY
|
Top 10.7% in tier |
| Return on Assets ? |
2.15%
+46.7% YoY
+24.3% QoQ
|
+1.31% |
0.84%
-2.3% YoY
|
1.34%
+7.6% YoY
|
1.23%
+13.4% YoY
|
Top 8.1% in tier |
| Net Interest Margin ? |
4.83%
+10.1% YoY
-1.0% QoQ
|
+0.97% |
3.86%
+2.8% YoY
|
4.25%
+2.4% YoY
|
3.89%
+5.7% YoY
|
84% |
| Efficiency Ratio ? |
56.48%
-16.1% YoY
-10.5% QoQ
|
-31.86% |
88.34%
+0.3% YoY
|
65.16%
-1.8% YoY
|
66.95%
-4.1% YoY
|
82% |
| Delinquency Rate ? |
0.05%
-82.5% YoY
-11.4% QoQ
|
-1.32% |
1.37%
+33.8% YoY
|
1.61%
+16.3% YoY
|
0.95%
+18.8% YoY
|
67% |
| Loan-to-Deposit Ratio ? |
64.76%
+14.0% YoY
-7.1% QoQ
|
+0.54% |
64.22%
-0.7% YoY
|
73.83%
+1.6% YoY
|
76.70%
+0.9% YoY
|
51% |
| Non-Interest-Bearing Deposit Share ? |
29.17%
+9.2% YoY
+11.5% QoQ
|
+5.46% |
23.71%
+0.3% YoY
|
23.68%
-1.7% YoY
|
22.01%
-1.2% YoY
|
71% |
| Nonperforming Asset Ratio ? |
0.03%
-80.1% YoY
-16.9% QoQ
|
-0.76% |
0.79%
+28.2% YoY
|
1.12%
+15.3% YoY
|
0.67%
+19.3% YoY
|
67% |
| Tier 1 Capital Ratio ? |
13.49%
-1.6% YoY
-0.9% QoQ
|
-13.19% |
26.68%
+2.0% YoY
|
14.36%
-1.8% YoY
|
17.06%
+0.8% YoY
|
35% |
| Non-Interest Income / Assets ? |
0.09%
-8.3% YoY
-65.0% QoQ
|
-0.57% |
0.67%
+1.9% YoY
|
0.15%
-5.6% YoY
|
0.32%
+4.1% YoY
|
67% |
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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 (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.