BlastPoint's Banking Scorecard

The First National Bank and Trust Company of Broken Arrow

$100M-$1B Specialty: Commercial OK FDIC cert 4050

Broken Arrow, OK

2 branches across OK

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

The First National Bank and Trust Company of Broken Arrow has 4 strengths but faces 1 concern

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

+ Deposit Franchise: Top 6.2% in tier
+ Profitability Leader: Top 18.0% in tier
+ Efficiency Ratio 21.37% below tier average
+ Delinquency Rate 0.72% below tier average

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 15.8% in tier

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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 ?	$270.5M +7.7% YoY -2.7% QoQ	-$115.6M	$386.1M +0.5% YoY	$1.2B +6.7% YoY	$6.2B +9.1% YoY	41%
Total Loans ?	$217.1M +10.6% YoY +8.2% QoQ	-$38.6M	$255.7M +1.1% YoY	$822.6M +7.2% YoY	$3.2B +10.8% YoY	53%
Total Deposits ?	$226.4M +6.1% YoY -4.3% QoQ	-$101.6M	$328.0M +0.1% YoY	$956.7M +4.7% YoY	$4.8B +8.2% YoY	40%
Return on Assets ?	2.51% +17.3% YoY +6.6% QoQ	+1.24%	1.27% +12.9% YoY	1.34% +7.6% YoY	1.23% +13.4% YoY	Top 4.4% in tier
Net Interest Margin ?	6.01% +2.5% YoY +1.1% QoQ	+2.08%	3.93% +6.0% YoY	4.25% +2.4% YoY	3.89% +5.7% YoY	Top 1.4% in tier
Efficiency Ratio ?	43.91% -12.8% YoY -7.5% QoQ	-21.37%	65.29% -4.5% YoY	65.16% -1.8% YoY	66.95% -4.1% YoY	Top 7.8% in tier
Delinquency Rate ?	0.16% -93.3% YoY -70.7% QoQ	-0.72%	0.89% +18.8% YoY	1.61% +16.3% YoY	0.95% +18.8% YoY	67%
Loan-to-Deposit Ratio ?	95.90% +4.3% YoY +13.0% QoQ	+19.26%	76.64% +0.8% YoY	73.83% +1.6% YoY	76.70% +0.9% YoY	Bottom 14.2% in tier
Non-Interest-Bearing Deposit Share ?	49.28% +2.9% YoY -5.8% QoQ	+27.26%	22.02% -1.0% YoY	23.68% -1.7% YoY	22.01% -1.2% YoY	Top 1.7% in tier
Nonperforming Asset Ratio ?	0.13% -93.1% YoY -67.5% QoQ	-0.51%	0.64% +19.7% YoY	1.12% +15.3% YoY	0.67% +19.3% YoY	66%
Tier 1 Capital Ratio ?	20.46% +13.3% YoY -2.1% QoQ	+4.63%	15.83% +1.5% YoY	14.36% -1.8% YoY	17.06% +0.8% YoY	Top 12.4% in tier
Non-Interest Income / Assets ?	0.09% -8.2% YoY -76.0% QoQ	-0.19%	0.28% +9.3% YoY	0.15% -5.6% YoY	0.32% +4.1% YoY	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 (2)

Deposit Franchise

growth

#18 of 272 • Top 6.2% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature

Noninterest-Bearing Deposit Share: 49.28%

(Tier: 22.02%, National: 22.01%)

better than tier avg

Net Interest Margin: 6.01%

(Tier: 3.93%, National: 3.89%)

better than tier avg

272 of 272 Community banks match · 369 nationally

→ Stable -14 banks QoQ | QoQ rank declining

Profitability Leader

growth

#121 of 666 • Top 18.0% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 2.51%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank declining

Concerns (1)

Liquidity Overhang

risk

#118 of 739 • Bottom 15.8% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature

Tier 1 Capital Ratio: 20.46%

(Tier: 15.83%, National: 17.06%)

better than tier avg

Loan-to-Deposit Ratio: 95.90%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

739 of 739 Community banks match · 939 nationally

→ Stable +13 banks QoQ | QoQ rank improving

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 (5 metrics)

Net Interest Margin

profitability

Value: 6.01%

Peer Median: 3.93%

#37 of 2664 Top 1.4% in $100M-$1B

Non-Interest-Bearing Deposit Share

funding

Value: 49.28%

Peer Median: 22.02%

#46 of 2664 Top 1.7% in $100M-$1B

118

Return on Assets

profitability

Value: 2.51%

Peer Median: 1.27%

#118 of 2664 Top 4.4% in $100M-$1B

208

Efficiency Ratio

profitability

Value: 43.91%

Peer Median: 65.29%

#208 of 2664 Top 7.8% in $100M-$1B

331

Tier 1 Capital Ratio

capital

Value: 20.46%

Peer Median: 15.83%

#331 of 2664 Top 12.4% in $100M-$1B

Top Weaknesses (1 metrics)

2286

Loan-to-Deposit Ratio

liquidity

Value: 95.90%

Peer Median: 76.64%

#2286 of 2664 Bottom 14.2% in $100M-$1B