BlastPoint's Banking Scorecard
First State Bank
Designations: ✓ Community bank
Tahlequah, OK
2 branches across 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 -1.5% year over year ($74.1M on the books).
- Delinquency rate 2.28%.
- Return on assets 0.33%.
- Efficiency ratio 80.15% vs a 119.40% peer average.
- Loan-to-deposit ratio 69.19% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
First State Bank has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 39.25% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.67% below tier average
- - Net Interest Margin 0.31% below tier average
- - Delinquency Rate 0.80% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$82.1M
-1.4% YoY
-0.3% QoQ
|
+$19.6M |
$62.4M
-0.0% YoY
|
$1.3B
+6.0% YoY
|
$6.3B
+7.7% YoY
|
74% |
| Total Loans ? |
$51.3M
-0.9% YoY
-0.5% QoQ
|
+$16.4M |
$34.9M
-0.6% YoY
|
$835.5M
+7.1% YoY
|
$3.2B
+9.4% YoY
|
78% |
| Total Deposits ? |
$74.1M
-1.5% YoY
-0.5% QoQ
|
+$22.5M |
$51.6M
-0.2% YoY
|
$967.8M
+5.8% YoY
|
$4.9B
+7.3% YoY
|
82% |
| Return on Assets ? |
0.33%
-18.5% YoY
-33.8% QoQ
|
-0.67% |
1.00%
+3.5% YoY
|
1.35%
+7.7% YoY
|
1.30%
+12.1% YoY
|
22% |
| Net Interest Margin ? |
3.61%
+11.3% YoY
+1.9% QoQ
|
-0.31% |
3.91%
+2.3% YoY
|
4.27%
+1.9% YoY
|
3.95%
+4.9% YoY
|
35% |
| Efficiency Ratio ? |
80.15%
-5.7% YoY
-0.3% QoQ
|
-39.25% |
119.40%
+49.6% YoY
|
64.81%
-3.0% YoY
|
70.05%
+2.5% YoY
|
31% |
| Delinquency Rate ? |
2.28%
+14.6% YoY
-16.8% QoQ
|
+0.80% |
1.48%
+31.8% YoY
|
1.78%
+23.7% YoY
|
0.98%
+16.3% YoY
|
18% |
| Loan-to-Deposit Ratio ? |
69.19%
+0.6% YoY
-0.0% QoQ
|
-5.02% |
74.21%
+12.6% YoY
|
74.14%
+1.3% YoY
|
79.03%
+2.3% YoY
|
46% |
| Non-Interest-Bearing Deposit Share ? |
18.11%
+7.0% YoY
+3.5% QoQ
|
-5.38% |
23.49%
+0.6% YoY
|
23.91%
-1.8% YoY
|
21.98%
-0.6% YoY
|
32% |
| Nonperforming Asset Ratio ? |
2.07%
+67.0% YoY
-12.2% QoQ
|
+1.23% |
0.84%
+23.0% YoY
|
1.24%
+23.1% YoY
|
0.69%
+15.8% YoY
|
Bottom 10.6% in tier |
| Tier 1 Capital Ratio ? |
10.37%
+1.0% YoY
-0.2% QoQ
|
-16.76% |
27.13%
+3.0% YoY
|
14.18%
-3.9% YoY
|
17.09%
+0.8% YoY
|
Bottom 8.0% in tier |
| Non-Interest Income / Assets ? |
0.25%
+89.3% YoY
+105.6% QoQ
|
-1.13% |
1.38%
+6.3% YoY
|
0.31%
-11.7% YoY
|
0.66%
+5.2% YoY
|
79% |
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 |
18.1%
+1.2pp YoY +0.6pp QoQ |
-6.5pp | 24.6% | 23.9% | 22.2% | 29% |
| Brokered Deposits |
4.0%
+0.7pp YoY 0.0pp QoQ |
-5.7pp | 9.8% | 9.7% | 8.5% | 38% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
8.3%
-1.0pp YoY -1.1pp QoQ |
-5.1pp | 13.4% | 15.7% | 12.5% | 42% |
| CRE |
38.8%
-3.7pp YoY +0.4pp QoQ |
+13.5pp | 25.2% | 42.0% | 41.4% | 81% |
| 1-4 Family |
42.7%
+5.2pp YoY +0.9pp QoQ |
+7.8pp | 35.0% | 24.0% | 31.3% | 65% |
| Consumer |
6.5%
-0.4pp YoY -0.1pp QoQ |
-1.2pp | 7.7% | 5.6% | 5.0% | 60% |
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 |
10.4%
+0.1pp YoY 0.0pp QoQ |
-7.3pp | 17.7% | 11.7% | 12.6% | 22% |
| 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 |
20
0 YoY +1 (+5.3%) QoQ |
+8 | 12 | 150 | 482 | 88% |
| Assets per Employee ($) |
$4.1M
-1.4% YoY -5.3% QoQ |
-$2.1M | $6.2M | $6.5M | $8.8M | 22% |
| Branch Count |
2
0 YoY 0 QoQ |
+0 | 1 | 8 | 18 | 63% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 1.0% | 0.9% | 0.4% | n/a |
| Nonaccrual |
2.3%
+0.3pp YoY -0.5pp QoQ |
+0.5pp | 1.7% | 1.5% | 1.0% | 79% |
| Allowance Coverage |
0.64x
-4.3% YoY +17.0% QoQ |
-5.77x | 6.41x | 61.99x | 20.23x | 31% |
| Net Charge-off Rate (YTD) |
0.6%
+0.2pp YoY +0.6pp QoQ |
+0.4pp | 0.2% | 0.2% | 0.2% | 91% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
3.7%
-1.5pp YoY -1.8pp QoQ |
-2.7pp | 6.4% | 11.9% | 11.6% | 26% |
| Cost of Funds (YTD) |
2.4%
-0.2pp YoY 0.0pp QoQ |
+1.0pp | 1.4% | 1.8% | 1.7% | 91% |
| Net Income ($, YTD) |
$134,000
-22.1% YoY — QoQ |
-$184K | $317,817 | $8.7M | $40.4M | 27% |
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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.