BlastPoint's Banking Scorecard

First Summit Bank

under $100M Specialty: Agricultural OK FDIC cert 399

Designations: ✓ Community bank

Ryan, OK

2 branches across OK

541 banks in the under $100M peer group nationally 38 in OK

First Summit Bank has 3 strengths but faces 2 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

+ ROA 0.21% above tier average
+ Net Interest Margin 0.87% above tier average
+ Efficiency Ratio 13.22% below tier average

Key Concerns

Areas that may need attention

- Delinquency Rate 3.84% above tier average
- Nonperforming Asset Ratio 1.95% above tier average

Get updates when First Summit Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
Total Assets ?	$34.3M +10.5% YoY -0.8% QoQ	-$27.8M	$62.2M -0.6% YoY	$1.2B +6.7% YoY	$6.2B +9.1% YoY	15%
Total Loans ?	$18.0M +8.4% YoY -0.8% QoQ	-$16.2M	$34.2M -1.4% YoY	$822.6M +7.2% YoY	$3.2B +10.8% YoY	24%
Total Deposits ?	$29.6M +11.3% YoY -1.2% QoQ	-$22.2M	$51.7M -0.7% YoY	$956.7M +4.7% YoY	$4.8B +8.2% YoY	19%
Return on Assets ?	1.04% -40.8% YoY +10.8% QoQ	+0.21%	0.84% -2.3% YoY	1.34% +7.6% YoY	1.23% +13.4% YoY	55%
Net Interest Margin ?	4.73% -14.7% YoY -5.1% QoQ	+0.87%	3.86% +2.8% YoY	4.25% +2.4% YoY	3.89% +5.7% YoY	83%
Efficiency Ratio ?	75.13% +8.1% YoY -6.8% QoQ	-13.22%	88.34% +0.3% YoY	65.16% -1.8% YoY	66.95% -4.1% YoY	44%
Delinquency Rate ?	5.21% +35.2% QoQ	+3.84%	1.37% +33.8% YoY	1.61% +16.3% YoY	0.95% +18.8% YoY	Bottom 5.4% in tier
Loan-to-Deposit Ratio ?	60.90% -2.6% YoY +0.4% QoQ	-3.32%	64.22% -0.7% YoY	73.83% +1.6% YoY	76.70% +0.9% YoY	57%
Non-Interest-Bearing Deposit Share ?	21.11% -10.2% YoY -2.9% QoQ	-2.61%	23.71% +0.3% YoY	23.68% -1.7% YoY	22.01% -1.2% YoY	43%
Nonperforming Asset Ratio ?	2.74% +35.2% QoQ	+1.95%	0.79% +28.2% YoY	1.12% +15.3% YoY	0.67% +19.3% YoY	Bottom 5.9% in tier
Tier 1 Capital Ratio ?	13.49% -5.4% YoY +0.3% QoQ	-13.19%	26.68% +2.0% YoY	14.36% -1.8% YoY	17.06% +0.8% YoY	35%
Non-Interest Income / Assets ?	0.10% -58.9% YoY -85.1% QoQ	-0.56%	0.67% +1.9% YoY	0.15% -5.6% YoY	0.32% +4.1% YoY	71%

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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 (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

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 541 peers in under $100M

Top Strengths (1 metrics)

Net Interest Margin

profitability

Value: 4.73%

Peer Median: 3.86%

#95 of 541 Top 17.4% in under $100M

Top Weaknesses (5 metrics)

494

Delinquency Rate

credit_quality

Value: 5.21%

Peer Median: 1.37%

#494 of 521 Bottom 5.4% in under $100M

510

Nonperforming Asset Ratio

credit_quality

Value: 2.74%

Peer Median: 0.79%

#510 of 541 Bottom 5.9% in under $100M

460

Total Assets

size

Value: $34.32M

Peer Median: $62.16M

#460 of 541 Bottom 15.2% in under $100M

441

Total Deposits

size

Value: $29.58M

Peer Median: $51.74M

#441 of 541 Bottom 18.7% in under $100M

410

Total Loans

size

Value: $18.01M

Peer Median: $34.25M

#410 of 541 Bottom 24.4% in under $100M