BlastPoint's Banking Scorecard
The First State Bank
Boise City, OK
The First State Bank has 4 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 1.11% above tier average
- + Efficiency Ratio 26.39% below tier average
- + Net Interest Margin 0.16% above tier average
- + Delinquency Rate 0.27% below tier average
Key Concerns
Areas that may need attention
- - Cost Spiral: Bottom 1.6% in tier
- - Capital Thin: Bottom 29.0% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$153.9M
+4.2% YoY
-7.8% QoQ
|
-$232.2M |
$386.1M
+0.5% YoY
|
$1.2B
+6.7% YoY
|
$6.2B
+9.1% YoY
|
15% |
| Total Loans ? |
$123.6M
+4.7% YoY
-5.2% QoQ
|
-$132.1M |
$255.7M
+1.1% YoY
|
$822.6M
+7.2% YoY
|
$3.2B
+10.8% YoY
|
27% |
| Total Deposits ? |
$139.0M
+9.5% YoY
-2.9% QoQ
|
-$189.0M |
$328.0M
+0.1% YoY
|
$956.7M
+4.7% YoY
|
$4.8B
+8.2% YoY
|
18% |
| Return on Assets ? |
2.38%
-15.0% YoY
-3.0% QoQ
|
+1.11% |
1.27%
+12.9% YoY
|
1.34%
+7.6% YoY
|
1.23%
+13.4% YoY
|
Top 5.9% in tier |
| Net Interest Margin ? |
4.09%
-10.5% YoY
-6.4% QoQ
|
+0.16% |
3.93%
+6.0% YoY
|
4.25%
+2.4% YoY
|
3.89%
+5.7% YoY
|
62% |
| Efficiency Ratio ? |
38.90%
+15.7% YoY
+3.5% QoQ
|
-26.39% |
65.29%
-4.5% YoY
|
65.16%
-1.8% YoY
|
66.95%
-4.1% YoY
|
Top 3.1% in tier |
| Delinquency Rate ? |
0.61%
-10.4% YoY
+132.4% QoQ
|
-0.27% |
0.89%
+18.8% YoY
|
1.61%
+16.3% YoY
|
0.95%
+18.8% YoY
|
40% |
| Loan-to-Deposit Ratio ? |
88.96%
-4.4% YoY
-2.4% QoQ
|
+12.32% |
76.64%
+0.8% YoY
|
73.83%
+1.6% YoY
|
76.70%
+0.9% YoY
|
26% |
| Non-Interest-Bearing Deposit Share ? |
29.94%
+34.1% YoY
+37.2% QoQ
|
+7.92% |
22.02%
-1.0% YoY
|
23.68%
-1.7% YoY
|
22.01%
-1.2% YoY
|
82% |
| Nonperforming Asset Ratio ? |
0.51%
-7.8% YoY
+139.0% QoQ
|
-0.13% |
0.64%
+19.7% YoY
|
1.12%
+15.3% YoY
|
0.67%
+19.3% YoY
|
37% |
| Tier 1 Capital Ratio ? |
9.83%
+7.4% YoY
+3.7% QoQ
|
-6.00% |
15.83%
+1.5% YoY
|
14.36%
-1.8% YoY
|
17.06%
+0.8% YoY
|
Bottom 7.7% in tier |
| Non-Interest Income / Assets ? |
0.05%
-16.1% YoY
-73.5% QoQ
|
-0.23% |
0.28%
+9.3% YoY
|
0.15%
-5.6% YoY
|
0.32%
+4.1% YoY
|
22% |
Get Full Access to The First State 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 (2)
Cost Spiral
riskHistorically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.