BlastPoint's Banking Scorecard
First Summit Bank
Designations: ✓ Community bank
Ryan, 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 +4.9% year over year ($29.0M on the books).
- Delinquency rate 7.22%.
- Return on assets 0.68%.
- Efficiency ratio 78.40% vs a 119.40% peer average.
- Loan-to-deposit ratio 61.34% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
First Summit Bank has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.86% above tier average
- + Efficiency Ratio 41.00% below tier average
Key Concerns
Areas that may need attention
- - Delinquency Rate 5.74% above tier average
- - Nonperforming Asset Ratio 2.97% above tier average
- - ROA 0.31% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$33.8M
+4.9% YoY
-1.6% QoQ
|
-$28.7M |
$62.4M
-0.0% YoY
|
$1.3B
+6.0% YoY
|
$6.3B
+7.7% YoY
|
Bottom 14.4% in tier |
| Total Loans ? |
$17.8M
+4.0% YoY
-1.2% QoQ
|
-$17.1M |
$34.9M
-0.6% YoY
|
$835.5M
+7.1% YoY
|
$3.2B
+9.4% YoY
|
24% |
| Total Deposits ? |
$29.0M
+4.9% YoY
-2.0% QoQ
|
-$22.6M |
$51.6M
-0.2% YoY
|
$967.8M
+5.8% YoY
|
$4.9B
+7.3% YoY
|
18% |
| Return on Assets ? |
0.68%
-42.5% YoY
-34.6% QoQ
|
-0.31% |
1.00%
+3.5% YoY
|
1.35%
+7.7% YoY
|
1.30%
+12.1% YoY
|
34% |
| Net Interest Margin ? |
4.77%
-12.6% YoY
+0.9% QoQ
|
+0.86% |
3.91%
+2.3% YoY
|
4.27%
+1.9% YoY
|
3.95%
+4.9% YoY
|
82% |
| Efficiency Ratio ? |
78.40%
-0.1% YoY
+4.4% QoQ
|
-41.00% |
119.40%
+49.6% YoY
|
64.81%
-3.0% YoY
|
70.05%
+2.5% YoY
|
36% |
| Delinquency Rate ? |
7.22%
+38.5% QoQ
|
+5.74% |
1.48%
+31.8% YoY
|
1.78%
+23.7% YoY
|
0.98%
+16.3% YoY
|
Bottom 3.7% in tier |
| Loan-to-Deposit Ratio ? |
61.34%
-0.9% YoY
+0.7% QoQ
|
-12.87% |
74.21%
+12.6% YoY
|
74.14%
+1.3% YoY
|
79.03%
+2.3% YoY
|
57% |
| Non-Interest-Bearing Deposit Share ? |
19.84%
-13.1% YoY
-6.0% QoQ
|
-3.65% |
23.49%
+0.6% YoY
|
23.91%
-1.8% YoY
|
21.98%
-0.6% YoY
|
38% |
| Nonperforming Asset Ratio ? |
3.80%
+39.0% QoQ
|
+2.97% |
0.84%
+23.0% YoY
|
1.24%
+23.1% YoY
|
0.69%
+15.8% YoY
|
Bottom 3.4% in tier |
| Tier 1 Capital Ratio ? |
13.68%
-0.7% YoY
+1.4% QoQ
|
-13.45% |
27.13%
+3.0% YoY
|
14.18%
-3.9% YoY
|
17.09%
+0.8% YoY
|
38% |
| Non-Interest Income / Assets ? |
0.20%
-42.0% YoY
+94.6% QoQ
|
-1.18% |
1.38%
+6.3% YoY
|
0.31%
-11.7% YoY
|
0.66%
+5.2% YoY
|
70% |
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 |
19.8%
-3.0pp YoY -1.3pp QoQ |
-4.8pp | 24.6% | 23.9% | 22.2% | 34% |
| 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 |
8.0%
-1.6pp YoY +0.4pp QoQ |
-5.4pp | 13.4% | 15.7% | 12.5% | 39% |
| CRE | n/a | n/a | 25.2% | 42.0% | 41.4% | n/a |
| 1-4 Family |
1.7%
-0.4pp YoY -0.1pp QoQ |
-33.3pp | 35.0% | 24.0% | 31.3% | 7% |
| Consumer |
10.2%
-0.8pp YoY +0.3pp QoQ |
+2.5pp | 7.7% | 5.6% | 5.0% | 78% |
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 |
13.7%
-0.1pp YoY +0.2pp QoQ |
-4.0pp | 17.7% | 11.7% | 12.6% | 59% |
| 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 |
11
0 YoY 0 QoQ |
-1 | 12 | 150 | 482 | 50% |
| Assets per Employee ($) |
$3.1M
+4.9% YoY -1.6% QoQ |
-$3.1M | $6.2M | $6.5M | $8.8M | 8% |
| Branch Count |
2
0 YoY 0 QoQ |
+0 | 1 | 8 | 18 | 63% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | 1.9% | +1.0pp | 1.0% | 0.9% | 0.4% | 88% |
| Nonaccrual |
5.3%
+0.1pp QoQ |
+3.5pp | 1.7% | 1.5% | 1.0% | 94% |
| Allowance Coverage |
0.22x
-11.6% QoQ |
-6.19x | 6.41x | 61.99x | 20.23x | 3% |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.2% | 0.2% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
5.0%
-3.5pp YoY -2.7pp QoQ |
-1.4pp | 6.4% | 11.9% | 11.6% | 33% |
| Cost of Funds (YTD) |
1.6%
-0.1pp YoY 0.0pp QoQ |
+0.2pp | 1.4% | 1.8% | 1.7% | 63% |
| Net Income ($, YTD) |
$117,000
-37.4% YoY — QoQ |
-$201K | $317,817 | $8.7M | $40.4M | 25% |
Get Full Access to First Summit 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 (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.