BlastPoint's Banking Scorecard
Frazer Bank
Altus, OK
6 branches across OK
Frazer Bank has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.70% below tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 28.2% in tier
- - ROA 0.57% below tier average
- - Net Interest Margin 0.70% below tier average
- - Efficiency Ratio 6.75% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$364.4M
+5.9% YoY
+5.6% QoQ
|
-$21.7M |
$386.1M
+0.5% YoY
|
$1.2B
+6.7% YoY
|
$6.2B
+9.1% YoY
|
57% |
| Total Loans ? |
$192.2M
-13.1% YoY
-1.4% QoQ
|
-$63.5M |
$255.7M
+1.1% YoY
|
$822.6M
+7.2% YoY
|
$3.2B
+10.8% YoY
|
47% |
| Total Deposits ? |
$327.6M
+6.1% YoY
+6.3% QoQ
|
-$410K |
$328.0M
+0.1% YoY
|
$956.7M
+4.7% YoY
|
$4.8B
+8.2% YoY
|
59% |
| Return on Assets ? |
0.70%
+66.6% YoY
+35.7% QoQ
|
-0.57% |
1.27%
+12.9% YoY
|
1.34%
+7.6% YoY
|
1.23%
+13.4% YoY
|
21% |
| Net Interest Margin ? |
3.23%
+12.3% YoY
+5.2% QoQ
|
-0.70% |
3.93%
+6.0% YoY
|
4.25%
+2.4% YoY
|
3.89%
+5.7% YoY
|
19% |
| Efficiency Ratio ? |
72.03%
-11.2% YoY
-7.2% QoQ
|
+6.75% |
65.29%
-4.5% YoY
|
65.16%
-1.8% YoY
|
66.95%
-4.1% YoY
|
28% |
| Delinquency Rate ? |
0.19%
+95.4% QoQ
|
-0.70% |
0.89%
+18.8% YoY
|
1.61%
+16.3% YoY
|
0.95%
+18.8% YoY
|
65% |
| Loan-to-Deposit Ratio ? |
58.69%
-18.1% YoY
-7.3% QoQ
|
-17.95% |
76.64%
+0.8% YoY
|
73.83%
+1.6% YoY
|
76.70%
+0.9% YoY
|
83% |
| Non-Interest-Bearing Deposit Share ? |
14.95%
+5.6% YoY
-3.9% QoQ
|
-7.07% |
22.02%
-1.0% YoY
|
23.68%
-1.7% YoY
|
22.01%
-1.2% YoY
|
24% |
| Nonperforming Asset Ratio ? |
0.15%
+43.2% YoY
+38.0% QoQ
|
-0.48% |
0.64%
+19.7% YoY
|
1.12%
+15.3% YoY
|
0.67%
+19.3% YoY
|
64% |
| Tier 1 Capital Ratio ? |
17.36%
+12.3% YoY
-0.7% QoQ
|
+1.53% |
15.83%
+1.5% YoY
|
14.36%
-1.8% YoY
|
17.06%
+0.8% YoY
|
79% |
| Non-Interest Income / Assets ? |
0.08%
+10.2% YoY
-74.5% QoQ
|
-0.20% |
0.28%
+9.3% YoY
|
0.15%
-5.6% YoY
|
0.32%
+4.1% YoY
|
42% |
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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 (1)
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.