BlastPoint's Banking Scorecard
The First National Bank in Marlow
Designations: ✓ Community bank
Marlow, OK
4 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 ($65.3M on the books).
- Delinquency rate 0.00%.
- Return on assets 1.24%.
- Efficiency ratio 74.42% vs a 119.40% peer average.
- Loan-to-deposit ratio 66.65% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
The First National Bank in Marlow demonstrates 5 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 1.48% below tier average
- + Nonperforming Asset Ratio 0.84% below tier average
- + ROA 0.24% above tier average
- + Net Interest Margin 0.75% above tier average
- + Efficiency Ratio 44.97% 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 ? |
$71.8M
+0.2% YoY
-0.4% QoQ
|
+$9.3M |
$62.4M
-0.0% YoY
|
$1.3B
+6.0% YoY
|
$6.3B
+7.7% YoY
|
59% |
| Total Loans ? |
$43.5M
-12.9% YoY
-12.3% QoQ
|
+$8.6M |
$34.9M
-0.6% YoY
|
$835.5M
+7.1% YoY
|
$3.2B
+9.4% YoY
|
68% |
| Total Deposits ? |
$65.3M
+1.5% YoY
-0.7% QoQ
|
+$13.7M |
$51.6M
-0.2% YoY
|
$967.8M
+5.8% YoY
|
$4.9B
+7.3% YoY
|
67% |
| Return on Assets ? |
1.24%
+82.0% YoY
-1.2% QoQ
|
+0.24% |
1.00%
+3.5% YoY
|
1.35%
+7.7% YoY
|
1.30%
+12.1% YoY
|
64% |
| Net Interest Margin ? |
4.66%
+9.4% YoY
+0.1% QoQ
|
+0.75% |
3.91%
+2.3% YoY
|
4.27%
+1.9% YoY
|
3.95%
+4.9% YoY
|
78% |
| Efficiency Ratio ? |
74.42%
-6.6% YoY
+0.6% QoQ
|
-44.97% |
119.40%
+49.6% YoY
|
64.81%
-3.0% YoY
|
70.05%
+2.5% YoY
|
43% |
| Delinquency Rate ? |
0.00%
-100.0% QoQ
|
-1.48% |
1.48%
+31.8% YoY
|
1.78%
+23.7% YoY
|
0.98%
+16.3% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
66.65%
-14.3% YoY
-11.7% QoQ
|
-7.56% |
74.21%
+12.6% YoY
|
74.14%
+1.3% YoY
|
79.03%
+2.3% YoY
|
49% |
| Non-Interest-Bearing Deposit Share ? |
29.33%
+5.8% YoY
+1.3% QoQ
|
+5.84% |
23.49%
+0.6% YoY
|
23.91%
-1.8% YoY
|
21.98%
-0.6% YoY
|
73% |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% QoQ
|
-0.84% |
0.84%
+23.0% YoY
|
1.24%
+23.1% YoY
|
0.69%
+15.8% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
13.14%
+15.0% YoY
+15.8% QoQ
|
-13.99% |
27.13%
+3.0% YoY
|
14.18%
-3.9% YoY
|
17.09%
+0.8% YoY
|
33% |
| Non-Interest Income / Assets ? |
0.26%
-48.6% YoY
+109.9% QoQ
|
-1.12% |
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 |
29.3%
+1.6pp YoY +0.4pp QoQ |
+4.7pp | 24.6% | 23.9% | 22.2% | 71% |
| 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 |
2.4%
-0.2pp YoY +0.1pp QoQ |
-11.0pp | 13.4% | 15.7% | 12.5% | 7% |
| CRE | n/a | n/a | 25.2% | 42.0% | 41.4% | n/a |
| 1-4 Family |
33.3%
+4.0pp YoY +2.6pp QoQ |
-1.7pp | 35.0% | 24.0% | 31.3% | 54% |
| Consumer |
8.1%
-0.3pp YoY +0.8pp QoQ |
+0.4pp | 7.7% | 5.6% | 5.0% | 69% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
13.1%
+1.7pp YoY +1.8pp QoQ |
-25.5pp | 38.7% | 17.0% | 19.7% | 10% |
| Leverage Ratio |
8.2%
+0.3pp YoY +0.2pp QoQ |
-9.5pp | 17.7% | 11.7% | 12.6% | 3% |
| Total Capital Ratio |
14.4%
+2.3pp YoY +1.8pp QoQ |
-25.3pp | 39.7% | 18.2% | 20.8% | 11% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
26
-2 (-7.1%) YoY 0 QoQ |
+14 | 12 | 150 | 482 | 96% |
| Assets per Employee ($) |
$2.8M
+7.9% YoY -0.4% QoQ |
-$3.4M | $6.2M | $6.5M | $8.8M | 6% |
| Branch Count |
4
0 YoY 0 QoQ |
+2 | 1 | 8 | 18 | 96% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 1.0% | 0.9% | 0.4% | n/a |
| Nonaccrual | n/a | n/a | 1.7% | 1.5% | 1.0% | n/a |
| Allowance Coverage | n/a | n/a | 6.41x | 61.99x | 20.23x | n/a |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 0.2% | 0.2% | 0.2% | 47% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
18.0%
+7.2pp YoY -0.6pp QoQ |
+11.6pp | 6.4% | 11.9% | 11.6% | 91% |
| Cost of Funds (YTD) |
1.3%
-0.7pp YoY 0.0pp QoQ |
-0.2pp | 1.4% | 1.8% | 1.7% | 43% |
| Net Income ($, YTD) |
$442,000
+78.9% YoY — QoQ |
+$124K | $317,817 | $8.7M | $40.4M | 68% |
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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.