BlastPoint's Banking Scorecard

The First Security Bank

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

Beaver, OK

3 branches across TX · OK

2664 banks in the $100M-$1B peer group nationally 107 in OK

The First Security Bank has 2 strengths but faces 3 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 1.51% above tier average
+ Delinquency Rate 0.07% below tier average

Key Concerns

Areas that may need attention

- Non-Interest-Bearing Deposit Share 14.96% below tier average
- ROA 0.60% below tier average
- Efficiency Ratio 5.37% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
Total Assets ?	$304.3M +45.7% YoY +6.7% QoQ	-$81.7M	$386.1M +0.5% YoY	$1.2B +6.7% YoY	$6.2B +9.1% YoY	47%
Total Loans ?	$261.4M +58.4% YoY +6.7% QoQ	+$5.7M	$255.7M +1.1% YoY	$822.6M +7.2% YoY	$3.2B +10.8% YoY	61%
Total Deposits ?	$267.4M +43.9% YoY +8.0% QoQ	-$60.6M	$328.0M +0.1% YoY	$956.7M +4.7% YoY	$4.8B +8.2% YoY	48%
Return on Assets ?	0.67% +26.7% YoY -22.7% QoQ	-0.60%	1.27% +12.9% YoY	1.34% +7.6% YoY	1.23% +13.4% YoY	19%
Net Interest Margin ?	5.44% +20.9% YoY +3.0% QoQ	+1.51%	3.93% +6.0% YoY	4.25% +2.4% YoY	3.89% +5.7% YoY	Top 3.3% in tier
Efficiency Ratio ?	70.65% -7.1% YoY +0.0% QoQ	+5.37%	65.29% -4.5% YoY	65.16% -1.8% YoY	66.95% -4.1% YoY	31%
Delinquency Rate ?	0.82% +89.7% YoY -13.9% QoQ	-0.07%	0.89% +18.8% YoY	1.61% +16.3% YoY	0.95% +18.8% YoY	33%
Loan-to-Deposit Ratio ?	97.75% +10.1% YoY -1.2% QoQ	+21.11%	76.64% +0.8% YoY	73.83% +1.6% YoY	76.70% +0.9% YoY	Bottom 11.4% in tier
Non-Interest-Bearing Deposit Share ?	7.05% -14.7% YoY -8.4% QoQ	-14.96%	22.02% -1.0% YoY	23.68% -1.7% YoY	22.01% -1.2% YoY	Bottom 5.9% in tier
Nonperforming Asset Ratio ?	0.78% +59.3% YoY -13.3% QoQ	+0.14%	0.64% +19.7% YoY	1.12% +15.3% YoY	0.67% +19.3% YoY	26%
Tier 1 Capital Ratio ?	9.78% +5.5% YoY +16.8% QoQ	-6.05%	15.83% +1.5% YoY	14.36% -1.8% YoY	17.06% +0.8% YoY	Bottom 7.0% in tier
Non-Interest Income / Assets ?	0.04% -10.7% YoY -74.8% QoQ	-0.24%	0.28% +9.3% YoY	0.15% -5.6% YoY	0.32% +4.1% YoY	Bottom 13.5% in tier

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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 2664 peers in $100M-$1B

Top Strengths (1 metrics)

Net Interest Margin

profitability

Value: 5.44%

Peer Median: 3.93%

#90 of 2664 Top 3.3% in $100M-$1B

Top Weaknesses (5 metrics)

2509

Non-Interest-Bearing Deposit Share

funding

Value: 7.05%

Peer Median: 22.02%

#2509 of 2664 Bottom 5.9% in $100M-$1B

2479

Tier 1 Capital Ratio

capital

Value: 9.78%

Peer Median: 15.83%

#2479 of 2664 Bottom 7.0% in $100M-$1B

2362

Loan-to-Deposit Ratio

liquidity

Value: 97.75%

Peer Median: 76.64%

#2362 of 2664 Bottom 11.4% in $100M-$1B

2306

Non-Interest Income / Assets

revenue_mix

Value: 0.04%

Peer Median: 0.28%

#2306 of 2664 Bottom 13.5% in $100M-$1B

2146

Return on Assets

profitability

Value: 0.67%

Peer Median: 1.27%

#2146 of 2664 Bottom 19.5% in $100M-$1B