BlastPoint's Banking Scorecard

First Bank & Trust Co.

$100M-$1B Specialty: Commercial OK FDIC cert 27394

Duncan, OK

14 branches across OK

2664 banks in the $100M-$1B peer group nationally 107 in OK

First Bank & Trust Co. has 4 strengths but faces 6 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Revenue Diversifier: Top 29.9% in tier
+ Return on Assets 0.86% above tier average
+ Net Interest Margin 0.67% above tier average
+ Efficiency Ratio 11.78% below tier average

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 11.2% in tier
- Deposit Outflow: Bottom 14.6% in tier
- Liquidity Overhang: Bottom 23.3% in tier
- Capital Constraint: Bottom 57.4% in tier
- Delinquency Rate 5.10% above tier average
- Nonperforming Asset Ratio 4.04% above tier average

Get updates when First Bank & Trust Co. releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
Total Assets ?	$952.2M -3.1% YoY +0.4% QoQ	+$566.2M	$386.1M +0.5% YoY	$1.2B +6.7% YoY	$6.2B +9.1% YoY	Top 1.5% in tier
Total Loans ?	$737.0M +0.8% YoY +0.2% QoQ	+$481.2M	$255.7M +1.1% YoY	$822.6M +7.2% YoY	$3.2B +10.8% YoY	Top 1.3% in tier
Total Deposits ?	$800.5M -5.4% YoY +0.1% QoQ	+$472.5M	$328.0M +0.1% YoY	$956.7M +4.7% YoY	$4.8B +8.2% YoY	Top 2.3% in tier
Return on Assets ?	2.13% +1.0% YoY -8.7% QoQ	+0.86%	1.27% +12.9% YoY	1.34% +7.6% YoY	1.23% +13.4% YoY	Top 9.9% in tier
Net Interest Margin ?	4.60% +4.9% YoY -0.3% QoQ	+0.67%	3.93% +6.0% YoY	4.25% +2.4% YoY	3.89% +5.7% YoY	85%
Efficiency Ratio ?	53.50% +2.1% YoY +6.0% QoQ	-11.78%	65.29% -4.5% YoY	65.16% -1.8% YoY	66.95% -4.1% YoY	77%
Delinquency Rate ?	5.99% +23.2% YoY +1.3% QoQ	+5.10%	0.89% +18.8% YoY	1.61% +16.3% YoY	0.95% +18.8% YoY	Bottom 1.4% in tier
Loan-to-Deposit Ratio ?	92.07% +6.5% YoY +0.2% QoQ	+15.43%	76.64% +0.8% YoY	73.83% +1.6% YoY	76.70% +0.9% YoY	20%
Non-Interest-Bearing Deposit Share ?	26.66% -2.6% YoY +4.9% QoQ	+4.64%	22.02% -1.0% YoY	23.68% -1.7% YoY	22.01% -1.2% YoY	72%
Nonperforming Asset Ratio ?	4.68% +28.3% YoY +1.1% QoQ	+4.04%	0.64% +19.7% YoY	1.12% +15.3% YoY	0.67% +19.3% YoY	Bottom 1.0% in tier
Tier 1 Capital Ratio ?	19.35% +20.6% YoY +4.1% QoQ	+3.52%	15.83% +1.5% YoY	14.36% -1.8% YoY	17.06% +0.8% YoY	Top 14.9% in tier
Non-Interest Income / Assets ?	0.21% +11.2% YoY -75.7% QoQ	-0.07%	0.28% +9.3% YoY	0.15% -5.6% YoY	0.32% +4.1% YoY	Top 12.4% in tier

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Revenue Diversifier

growth

#200 of 666 • Top 29.9% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 0.21%

(Tier: 0.28%, National: 0.32%)

but worse than tier avg

Return on Assets: 2.13%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank declining

Concerns (4)

Liquidity Strain

risk

#73 of 643 • Bottom 11.2% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 92.07%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

643 of 643 Community banks match · 1013 nationally

→ Stable -50 banks QoQ | QoQ rank improving

Deposit Outflow

decline

#75 of 506 • Bottom 14.6% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

506 of 506 Community banks match · 656 nationally

→ Stable -8 banks QoQ | QoQ rank improving

Liquidity Overhang

risk

#173 of 739 • Bottom 23.3% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature

Tier 1 Capital Ratio: 19.35%

(Tier: 15.83%, National: 17.06%)

better than tier avg

Loan-to-Deposit Ratio: 92.07%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

739 of 739 Community banks match · 939 nationally

→ Stable +13 banks QoQ | QoQ rank improving

Capital Constraint

risk

#63 of 108 • Bottom 57.4% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.

Why this signature

Loan-to-Deposit Ratio: 92.07%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

Tier 1 Capital Ratio: 19.35%

(Tier: 15.83%, National: 17.06%)

better than tier avg

108 of 108 Community banks match · 148 nationally

↑ Growing +19 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (8 metrics)

Total Loans

size

Value: $736.96M

Peer Median: $255.72M

#36 of 2664 Top 1.3% in $100M-$1B

Total Assets

size

Value: $952.25M

Peer Median: $386.08M

#41 of 2664 Top 1.5% in $100M-$1B

Total Deposits

size

Value: $800.46M

Peer Median: $327.97M

#62 of 2664 Top 2.3% in $100M-$1B

264

Return on Assets

profitability

Value: 2.13%

Peer Median: 1.27%

#264 of 2664 Top 9.9% in $100M-$1B

332

Non-Interest Income / Assets

revenue_mix

Value: 0.21%

Peer Median: 0.28%

#332 of 2664 Top 12.4% in $100M-$1B

399

Tier 1 Capital Ratio

capital

Value: 19.35%

Peer Median: 15.83%

#399 of 2664 Top 14.9% in $100M-$1B

411

Net Interest Margin

profitability

Value: 4.60%

Peer Median: 3.93%

#411 of 2664 Top 15.4% in $100M-$1B

602

Efficiency Ratio

profitability

Value: 53.50%

Peer Median: 65.29%

#602 of 2664 Top 22.6% in $100M-$1B

Top Weaknesses (3 metrics)

2638

Nonperforming Asset Ratio

credit_quality

Value: 4.68%

Peer Median: 0.64%

#2638 of 2664 Bottom 1.0% in $100M-$1B

2617

Delinquency Rate

credit_quality

Value: 5.99%

Peer Median: 0.89%

#2617 of 2654 Bottom 1.4% in $100M-$1B

2128

Loan-to-Deposit Ratio

liquidity

Value: 92.07%

Peer Median: 76.64%

#2128 of 2664 Bottom 20.2% in $100M-$1B