BlastPoint's Banking Scorecard

Frazer Bank

$100M-$1B Specialty: Commercial OK FDIC cert 4031

Altus, OK

6 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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 106 in OK.
Deposits +1.8% year over year ($317.1M on the books).
Delinquency rate 0.00%.
Return on assets 0.51%.
Efficiency ratio 79.93% vs a 64.48% peer average.
Loan-to-deposit ratio 60.94% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 106 in OK

View $100M-$1B leaderboard (OK) →

Frazer Bank has 2 strengths but faces 4 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

+ Credit Quality Leader: Top 45.7% in tier
+ Nonperforming Asset Ratio 0.67% below tier average

Key Concerns

Areas that may need attention

- Flatlined Growth: Bottom 22.7% in tier
- ROA 0.81% below tier average
- Net Interest Margin 0.67% below tier average
- Efficiency Ratio 15.45% above tier average

Get updates when Frazer Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
Total Assets ?	$354.3M +1.8% YoY -2.8% QoQ	-$32.3M	$386.6M +1.2% YoY	$1.3B +6.0% YoY	$6.3B +7.7% YoY	55%
Total Loans ?	$193.3M -11.0% YoY +0.5% QoQ	-$65.1M	$258.3M +1.7% YoY	$835.5M +7.1% YoY	$3.2B +9.4% YoY	47%
Total Deposits ?	$317.1M +1.8% YoY -3.2% QoQ	-$9.6M	$326.7M +0.7% YoY	$967.8M +5.8% YoY	$4.9B +7.3% YoY	58%
Return on Assets ?	0.51% +2.4% YoY -26.8% QoQ	-0.81%	1.32% +10.8% YoY	1.35% +7.7% YoY	1.30% +12.1% YoY	Bottom 12.7% in tier
Net Interest Margin ?	3.31% +12.3% YoY +2.6% QoQ	-0.67%	3.99% +5.0% YoY	4.27% +1.9% YoY	3.95% +4.9% YoY	20%
Efficiency Ratio ?	79.93% +1.1% YoY +11.0% QoQ	+15.45%	64.48% -3.2% YoY	64.81% -3.0% YoY	70.05% +2.5% YoY	Bottom 13.8% in tier
Delinquency Rate ?	0.00% -100.0% QoQ	-0.92%	0.92% +15.7% YoY	1.78% +23.7% YoY	0.98% +16.3% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	60.94% -12.5% YoY +3.8% QoQ	-17.01%	77.95% +1.0% YoY	74.14% +1.3% YoY	79.03% +2.3% YoY	82%
Non-Interest-Bearing Deposit Share ?	14.77% +1.8% YoY -1.2% QoQ	-7.26%	22.03% -0.6% YoY	23.91% -1.8% YoY	21.98% -0.6% YoY	23%
Nonperforming Asset Ratio ?	0.00% -100.0% YoY -100.0% QoQ	-0.67%	0.67% +16.4% YoY	1.24% +23.1% YoY	0.69% +15.8% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	17.05% +6.0% YoY -1.8% QoQ	+1.14%	15.91% +1.4% YoY	14.18% -3.9% YoY	17.09% +0.8% YoY	77%
Non-Interest Income / Assets ?	0.17% +6.2% YoY +104.4% QoQ	-0.39%	0.57% +7.6% YoY	0.31% -11.7% YoY	0.66% +5.2% YoY	42%

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	14.8% +0.3pp YoY -0.2pp QoQ	-7.4pp	22.1%	23.9%	22.2%	23%
Brokered Deposits	25.7% -20.0pp YoY -0.4pp QoQ	+17.9pp	7.9%	9.7%	8.5%	95%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
C&I	12.9% +1.8pp YoY -1.5pp QoQ	+1.4pp	11.6%	15.7%	12.5%	68%
CRE	n/a	n/a	39.5%	42.0%	41.4%	n/a
1-4 Family	9.2% 0.0pp YoY +0.3pp QoQ	-23.5pp	32.6%	24.0%	31.3%	10%
Consumer	3.7% +1.5pp YoY -0.2pp QoQ	-0.5pp	4.1%	5.6%	5.0%	67%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
CET1 Ratio	17.1% +1.0pp YoY -0.3pp QoQ	-1.8pp	18.8%	17.0%	19.7%	64%
Leverage Ratio	11.2% -0.6pp YoY -0.1pp QoQ	-1.0pp	12.2%	11.7%	12.6%	54%
Total Capital Ratio	18.3% +1.1pp YoY -0.3pp QoQ	-1.6pp	19.9%	18.2%	20.8%	65%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
Full-Time Employees	52 -3 (-5.5%) YoY -1 (-1.9%) QoQ	-7	58	150	482	56%
Assets per Employee ($)	$6.8M +7.7% YoY -0.9% QoQ	-$706K	$7.5M	$6.5M	$8.8M	49%
Branch Count	6 0 YoY 0 QoQ	+1	4	8	18	66%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.9%	0.4%	n/a
Nonaccrual	n/a	n/a	0.9%	1.5%	1.0%	n/a
Allowance Coverage	n/a	n/a	24.15x	61.99x	20.23x	n/a
Net Charge-off Rate (YTD)	n/a	n/a	0.1%	0.2%	0.2%	n/a

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
ROE	5.0% -0.1pp YoY -1.9pp QoQ	-7.1pp	12.2%	11.9%	11.6%	14%
Cost of Funds (YTD)	1.8% -0.4pp YoY 0.0pp QoQ	+0.1pp	1.7%	1.8%	1.7%	56%
Net Income ($, YTD)	$912,000 +2.2% YoY — QoQ	-$1.6M	$2.6M	$8.7M	$40.4M	24%

Get Full Access to Frazer Bank

Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free

$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

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

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 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)

Credit Quality Leader

growth

#302 of 659 • Top 45.7% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature

Delinquency Rate: 0.00%

(Tier: 0.92%, National: 0.98%)

better than tier avg

659 of 659 Community banks match · 920 nationally

→ Stable +1 banks QoQ

Concerns (1)

Flatlined Growth

risk

#121 of 529 • Bottom 22.7% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature

Return on Assets: 0.51%

(Tier: 1.32%, National: 1.30%)

worse than tier avg

529 of 529 Community banks match · 719 nationally

→ Stable +34 banks QoQ

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 2643 peers in $100M-$1B

Top Strengths (4 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.92%

#1 of 2633 Top 0.1% in $100M-$1B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.67%

#1 of 2643 Top 0.1% in $100M-$1B

488

Loan-to-Deposit Ratio

liquidity

Value: 60.94%

Peer Median: 77.95%

#488 of 2643 Top 18.4% in $100M-$1B

605

Tier 1 Capital Ratio

capital

Value: 17.05%

Peer Median: 15.91%

#605 of 2643 Top 22.9% in $100M-$1B

Top Weaknesses (4 metrics)

2309

Return on Assets

profitability

Value: 0.51%

Peer Median: 1.32%

#2309 of 2643 Bottom 12.7% in $100M-$1B

2279

Efficiency Ratio

profitability

Value: 79.93%

Peer Median: 64.48%

#2279 of 2643 Bottom 13.8% in $100M-$1B

2110

Net Interest Margin

profitability

Value: 3.31%

Peer Median: 3.99%

#2110 of 2643 Bottom 20.2% in $100M-$1B

2027

Non-Interest-Bearing Deposit Share

funding

Value: 14.77%

Peer Median: 22.03%

#2027 of 2643 Bottom 23.3% in $100M-$1B