BlastPoint's Banking Scorecard

The First Security Bank

$100M-$1B Specialty: Commercial OK FDIC cert 4041

Beaver, OK

3 branches across TX · 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 +37.7% year over year ($277.4M on the books).
Delinquency rate 2.37%.
Return on assets 1.11%.
Efficiency ratio 57.78% vs a 64.48% peer average.
Loan-to-deposit ratio 103.79% 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) →

The First Security Bank has 2 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

+ Net Interest Margin 0.67% above tier average
+ Efficiency Ratio 6.70% below tier average

Key Concerns

Areas that may need attention

- Delinquency Rate 1.45% above tier average
- Loan-to-Deposit Ratio 25.83% above tier average
- Non-Interest-Bearing Deposit Share 14.96% below tier average
- Nonperforming Asset Ratio 1.40% above tier average
- Non-Interest Income / Assets 0.51% below tier average
- ROA 0.21% below tier average

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Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
Total Assets ?	$335.0M +45.2% YoY +10.1% QoQ	-$51.6M	$386.6M +1.2% YoY	$1.3B +6.0% YoY	$6.3B +7.7% YoY	52%
Total Loans ?	$287.9M +55.2% YoY +10.1% QoQ	+$29.5M	$258.3M +1.7% YoY	$835.5M +7.1% YoY	$3.2B +9.4% YoY	65%
Total Deposits ?	$277.4M +37.7% YoY +3.7% QoQ	-$49.4M	$326.7M +0.7% YoY	$967.8M +5.8% YoY	$4.9B +7.3% YoY	51%
Return on Assets ?	1.11% +42.1% YoY +66.3% QoQ	-0.21%	1.32% +10.8% YoY	1.35% +7.7% YoY	1.30% +12.1% YoY	42%
Net Interest Margin ?	4.65% -5.6% YoY -3.6% QoQ	+0.67%	3.99% +5.0% YoY	4.27% +1.9% YoY	3.95% +4.9% YoY	84%
Efficiency Ratio ?	57.78% -19.0% YoY -13.8% QoQ	-6.70%	64.48% -3.2% YoY	64.81% -3.0% YoY	70.05% +2.5% YoY	64%
Delinquency Rate ?	2.37% +104.6% YoY +188.9% QoQ	+1.45%	0.92% +15.7% YoY	1.78% +23.7% YoY	0.98% +16.3% YoY	Bottom 9.6% in tier
Loan-to-Deposit Ratio ?	103.79% +12.8% YoY +6.2% QoQ	+25.83%	77.95% +1.0% YoY	74.14% +1.3% YoY	79.03% +2.3% YoY	Bottom 6.5% in tier
Non-Interest-Bearing Deposit Share ?	7.07% -5.6% YoY +0.2% QoQ	-14.96%	22.03% -0.6% YoY	23.91% -1.8% YoY	21.98% -0.6% YoY	Bottom 5.9% in tier
Nonperforming Asset Ratio ?	2.07% +99.8% YoY +165.1% QoQ	+1.40%	0.67% +16.4% YoY	1.24% +23.1% YoY	0.69% +15.8% YoY	Bottom 6.6% in tier
Tier 1 Capital Ratio ?	8.29% -11.6% YoY -15.3% QoQ	-7.62%	15.91% +1.4% YoY	14.18% -3.9% YoY	17.09% +0.8% YoY	Bottom 0.2% in tier
Non-Interest Income / Assets ?	0.06% -27.5% YoY +50.9% QoQ	-0.51%	0.57% +7.6% YoY	0.31% -11.7% YoY	0.66% +5.2% YoY	Bottom 7.7% in tier

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	7.1% -0.4pp YoY 0.0pp QoQ	-15.1pp	22.1%	23.9%	22.2%	5%
Brokered Deposits	16.4% -2.5pp QoQ	+8.6pp	7.9%	9.7%	8.5%	87%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
C&I	40.1% +0.5pp YoY +2.5pp QoQ	+28.5pp	11.6%	15.7%	12.5%	98%
CRE	28.5%	-11.1pp	39.5%	42.0%	41.4%	32%
1-4 Family	5.5% -0.7pp YoY -0.7pp QoQ	-27.2pp	32.6%	24.0%	31.3%	5%
Consumer	3.9% 0.0pp YoY +0.9pp QoQ	-0.2pp	4.1%	5.6%	5.0%	69%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	18.8%	17.0%	19.7%	n/a
Leverage Ratio	8.3% -1.1pp YoY -1.5pp QoQ	-3.9pp	12.2%	11.7%	12.6%	4%
Total Capital Ratio	n/a	n/a	19.9%	18.2%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
Full-Time Employees	37 +1 (+2.8%) YoY +6 (+19.4%) QoQ	-22	58	150	482	37%
Assets per Employee ($)	$9.1M +41.3% YoY -7.8% QoQ	+$1.5M	$7.5M	$6.5M	$8.8M	80%
Branch Count	3 0 YoY 0 QoQ	-2	4	8	18	26%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
Past Due 90+ Days	2.2% +1.3pp YoY +1.6pp QoQ	+1.9pp	0.3%	0.9%	0.4%	98%
Nonaccrual	0.1% -0.1pp YoY 0.0pp QoQ	-0.8pp	0.9%	1.5%	1.0%	25%
Allowance Coverage	0.48x -33.2% YoY -64.3% QoQ	-23.67x	24.15x	61.99x	20.23x	9%
Net Charge-off Rate (YTD)	0.1% +0.1pp YoY +0.1pp QoQ	-0.1pp	0.1%	0.2%	0.2%	76%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
ROE	13.2% +3.7pp YoY +5.2pp QoQ	+1.0pp	12.2%	11.9%	11.6%	57%
Cost of Funds (YTD)	3.0% +0.5pp YoY +0.1pp QoQ	+1.3pp	1.7%	1.8%	1.7%	98%
Net Income ($, YTD)	$1.7M +112.4% YoY — QoQ	-$841K	$2.6M	$8.7M	$40.4M	46%

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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 2643 peers in $100M-$1B

Top Strengths (1 metrics)

419

Net Interest Margin

profitability

Value: 4.65%

Peer Median: 3.99%

#419 of 2643 Top 15.8% in $100M-$1B

Top Weaknesses (6 metrics)

2640

Tier 1 Capital Ratio

capital

Value: 8.29%

Peer Median: 15.91%

#2640 of 2643 Bottom 0.2% in $100M-$1B

2489

Non-Interest-Bearing Deposit Share

funding

Value: 7.07%

Peer Median: 22.03%

#2489 of 2643 Bottom 5.9% in $100M-$1B

2472

Loan-to-Deposit Ratio

liquidity

Value: 103.79%

Peer Median: 77.95%

#2472 of 2643 Bottom 6.5% in $100M-$1B

2469

Nonperforming Asset Ratio

credit_quality

Value: 2.07%

Peer Median: 0.67%

#2469 of 2643 Bottom 6.6% in $100M-$1B

2440

Non-Interest Income / Assets

revenue_mix

Value: 0.06%

Peer Median: 0.57%

#2440 of 2643 Bottom 7.7% in $100M-$1B

2380

Delinquency Rate

credit_quality

Value: 2.37%

Peer Median: 0.92%

#2380 of 2633 Bottom 9.6% in $100M-$1B