BlastPoint's Banking Scorecard
First State Bank
Designations: ✓ Community bank
Watonga, 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 536 banks in the under $100M peer group nationwide — 1 of 39 in OK.
- Deposits +6.0% year over year ($79.2M on the books).
- Delinquency rate 1.32%.
- Return on assets 2.09%.
- Efficiency ratio 56.55% vs a 119.40% peer average.
- Loan-to-deposit ratio 61.28% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
First State Bank shows strong momentum with 4 strengths and 6.4% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 1.10% above tier average
- + Net Interest Margin 0.88% above tier average
- + Efficiency Ratio 62.85% below tier average
- + Delinquency Rate 0.17% 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 ? |
$89.8M
+6.4% YoY
+0.1% QoQ
|
+$27.3M |
$62.4M
-0.0% YoY
|
$1.3B
+6.0% YoY
|
$6.3B
+7.7% YoY
|
Top 13.6% in tier |
| Total Loans ? |
$48.5M
+12.7% YoY
-5.6% QoQ
|
+$13.6M |
$34.9M
-0.6% YoY
|
$835.5M
+7.1% YoY
|
$3.2B
+9.4% YoY
|
74% |
| Total Deposits ? |
$79.2M
+6.0% YoY
-0.3% QoQ
|
+$27.5M |
$51.6M
-0.2% YoY
|
$967.8M
+5.8% YoY
|
$4.9B
+7.3% YoY
|
Top 10.3% in tier |
| Return on Assets ? |
2.09%
+37.6% YoY
-2.6% QoQ
|
+1.10% |
1.00%
+3.5% YoY
|
1.35%
+7.7% YoY
|
1.30%
+12.1% YoY
|
Top 9.3% in tier |
| Net Interest Margin ? |
4.80%
+1.8% YoY
-0.7% QoQ
|
+0.88% |
3.91%
+2.3% YoY
|
4.27%
+1.9% YoY
|
3.95%
+4.9% YoY
|
83% |
| Efficiency Ratio ? |
56.55%
-14.8% YoY
+0.1% QoQ
|
-62.85% |
119.40%
+49.6% YoY
|
64.81%
-3.0% YoY
|
70.05%
+2.5% YoY
|
80% |
| Delinquency Rate ? |
1.32%
+9.3% YoY
|
-0.17% |
1.48%
+31.8% YoY
|
1.78%
+23.7% YoY
|
0.98%
+16.3% YoY
|
31% |
| Loan-to-Deposit Ratio ? |
61.28%
+6.3% YoY
-5.4% QoQ
|
-12.93% |
74.21%
+12.6% YoY
|
74.14%
+1.3% YoY
|
79.03%
+2.3% YoY
|
57% |
| Non-Interest-Bearing Deposit Share ? |
26.98%
-54.6% YoY
-7.5% QoQ
|
+3.49% |
23.49%
+0.6% YoY
|
23.91%
-1.8% YoY
|
21.98%
-0.6% YoY
|
65% |
| Nonperforming Asset Ratio ? |
0.71%
+15.7% YoY
|
-0.13% |
0.84%
+23.0% YoY
|
1.24%
+23.1% YoY
|
0.69%
+15.8% YoY
|
31% |
| Tier 1 Capital Ratio ? |
13.18%
-0.5% YoY
-2.3% QoQ
|
-13.95% |
27.13%
+3.0% YoY
|
14.18%
-3.9% YoY
|
17.09%
+0.8% YoY
|
34% |
| Non-Interest Income / Assets ? |
0.18%
+17.1% YoY
+95.0% QoQ
|
-1.20% |
1.38%
+6.3% YoY
|
0.31%
-11.7% YoY
|
0.66%
+5.2% YoY
|
66% |
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 |
27.0%
-32.4pp YoY -2.2pp QoQ |
+2.3pp | 24.6% | 23.9% | 22.2% | 63% |
| Brokered Deposits | n/a | n/a | 9.8% | 9.7% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
13.7%
-2.2pp YoY +1.9pp QoQ |
+0.3pp | 13.4% | 15.7% | 12.5% | 63% |
| CRE | n/a | n/a | 25.2% | 42.0% | 41.4% | n/a |
| 1-4 Family |
3.0%
+0.4pp YoY +0.1pp QoQ |
-32.0pp | 35.0% | 24.0% | 31.3% | 10% |
| Consumer |
5.8%
-0.8pp YoY +0.1pp QoQ |
-1.9pp | 7.7% | 5.6% | 5.0% | 54% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 38.7% | 17.0% | 19.7% | n/a |
| Leverage Ratio |
13.2%
-0.1pp YoY -0.3pp QoQ |
-4.5pp | 17.7% | 11.7% | 12.6% | 54% |
| Total Capital Ratio | n/a | n/a | 39.7% | 18.2% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
15
-1 (-6.2%) YoY 0 QoQ |
+3 | 12 | 150 | 482 | 73% |
| Assets per Employee ($) |
$6.0M
+13.5% YoY +0.1% QoQ |
-$202K | $6.2M | $6.5M | $8.8M | 50% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 8 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.6%
-0.4pp YoY |
-0.3pp | 1.0% | 0.9% | 0.4% | 58% |
| Nonaccrual |
0.7%
+0.5pp YoY +0.6pp QoQ |
-1.1pp | 1.7% | 1.5% | 1.0% | 48% |
| Allowance Coverage |
2.11x
-15.7% YoY -95.9% QoQ |
-4.30x | 6.41x | 61.99x | 20.23x | 62% |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.2% | 0.2% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
18.5%
+4.0pp YoY -0.4pp QoQ |
+12.1pp | 6.4% | 11.9% | 11.6% | 92% |
| Cost of Funds (YTD) |
1.5%
0.0pp YoY 0.0pp QoQ |
+0.1pp | 1.4% | 1.8% | 1.7% | 56% |
| Net Income ($, YTD) |
$916,000
+46.8% YoY — QoQ |
+$598K | $317,817 | $8.7M | $40.4M | 94% |
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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.