BlastPoint's Banking Scorecard
The First National Bank and Trust Co., Chickasha, Oklahoma
Designations: ✓ Community bank
Chickasha, OK
9 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 885 banks in the $1B-$10B peer group nationwide — 1 of 21 in OK.
- Deposits +2.3% year over year ($897.1M on the books).
- Delinquency rate 2.65%.
- Return on assets 2.10%.
- Efficiency ratio 51.36% vs a 59.73% peer average.
- Loan-to-deposit ratio 57.57% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
The First National Bank and Trust Co., Chickasha, Oklahoma has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 33.8% in tier
- + Efficiency Ratio 8.37% below tier average
Key Concerns
Areas that may need attention
- - Delinquency Rate 1.78% above tier average
- - Net Interest Margin 0.08% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.1B
+2.8% YoY
+0.2% QoQ
|
-$1.7B |
$2.8B
-0.6% YoY
|
$1.3B
+6.0% YoY
|
$6.3B
+7.7% YoY
|
Bottom 7.1% in tier |
| Total Loans ? |
$516.4M
+1.1% YoY
-1.5% QoQ
|
-$1.4B |
$2.0B
-0.3% YoY
|
$835.5M
+7.1% YoY
|
$3.2B
+9.4% YoY
|
Bottom 2.9% in tier |
| Total Deposits ? |
$897.1M
+2.3% YoY
+0.1% QoQ
|
-$1.4B |
$2.3B
-0.5% YoY
|
$967.8M
+5.8% YoY
|
$4.9B
+7.3% YoY
|
Bottom 7.8% in tier |
| Return on Assets ? |
2.10%
+15.3% YoY
+3.1% QoQ
|
+0.71% |
1.39%
+17.0% YoY
|
1.35%
+7.7% YoY
|
1.30%
+12.1% YoY
|
Top 8.8% in tier |
| Net Interest Margin ? |
3.79%
+7.4% YoY
+0.8% QoQ
|
-0.08% |
3.87%
+6.2% YoY
|
4.27%
+1.9% YoY
|
3.95%
+4.9% YoY
|
54% |
| Efficiency Ratio ? |
51.36%
-2.3% YoY
+0.6% QoQ
|
-8.37% |
59.73%
-12.6% YoY
|
64.81%
-3.0% YoY
|
70.05%
+2.5% YoY
|
74% |
| Delinquency Rate ? |
2.65%
-0.6% YoY
-3.2% QoQ
|
+1.78% |
0.87%
+11.7% YoY
|
1.78%
+23.7% YoY
|
0.98%
+16.3% YoY
|
Bottom 5.9% in tier |
| Loan-to-Deposit Ratio ? |
57.57%
-1.2% YoY
-1.6% QoQ
|
-27.47% |
85.04%
-0.1% YoY
|
74.14%
+1.3% YoY
|
79.03%
+2.3% YoY
|
Top 6.0% in tier |
| Non-Interest-Bearing Deposit Share ? |
26.94%
+6.7% YoY
+5.8% QoQ
|
+5.66% |
21.27%
-1.5% YoY
|
23.91%
-1.8% YoY
|
21.98%
-0.6% YoY
|
77% |
| Nonperforming Asset Ratio ? |
1.48%
-3.6% YoY
-7.0% QoQ
|
+0.81% |
0.67%
+11.7% YoY
|
1.24%
+23.1% YoY
|
0.69%
+15.8% YoY
|
Bottom 10.5% in tier |
| Tier 1 Capital Ratio ? |
13.31%
+4.5% YoY
-2.6% QoQ
|
-1.53% |
14.84%
-0.4% YoY
|
14.18%
-3.9% YoY
|
17.09%
+0.8% YoY
|
54% |
| Non-Interest Income / Assets ? |
0.35%
-1.9% YoY
+87.0% QoQ
|
-0.17% |
0.53%
+2.5% YoY
|
0.31%
-11.7% YoY
|
0.66%
+5.2% YoY
|
62% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 |
26.9%
+1.7pp YoY +1.5pp QoQ |
+5.6pp | 21.4% | 23.9% | 22.2% | 77% |
| Brokered Deposits |
4.8%
-1.4pp YoY -0.4pp QoQ |
-4.7pp | 9.5% | 9.7% | 8.5% | 48% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
13.4%
-1.8pp YoY -0.4pp QoQ |
-0.6pp | 14.0% | 15.7% | 12.5% | 62% |
| CRE |
59.7%
+2.7pp YoY +0.9pp QoQ |
+9.7pp | 50.0% | 42.0% | 41.4% | 75% |
| 1-4 Family |
11.6%
-0.8pp YoY 0.0pp QoQ |
-14.8pp | 26.4% | 24.0% | 31.3% | 21% |
| Consumer |
2.0%
-0.5pp YoY 0.0pp QoQ |
-2.7pp | 4.7% | 5.6% | 5.0% | 64% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 15.6% | 17.0% | 19.7% | n/a |
| Leverage Ratio |
13.3%
+0.6pp YoY -0.4pp QoQ |
+2.0pp | 11.3% | 11.7% | 12.6% | 87% |
| Total Capital Ratio | n/a | n/a | 16.7% | 18.2% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
160
+16 (+11.1%) YoY +6 (+3.9%) QoQ |
-154 | 313 | 150 | 482 | 27% |
| Assets per Employee ($) |
$6.7M
-7.5% YoY -3.6% QoQ |
-$3.8M | $10.5M | $6.5M | $8.8M | 20% |
| Branch Count |
9
0 YoY 0 QoQ |
-11 | 20 | 8 | 18 | 25% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.2% | 0.9% | 0.4% | n/a |
| Nonaccrual |
2.6%
0.0pp YoY -0.1pp QoQ |
+1.8pp | 0.8% | 1.5% | 1.0% | 95% |
| Allowance Coverage |
0.51x
-5.0% YoY +4.5% QoQ |
-18.20x | 18.71x | 61.99x | 20.23x | 7% |
| Net Charge-off Rate (YTD) |
-0.1%
-0.1pp YoY -0.1pp QoQ |
-0.4pp | 0.3% | 0.2% | 0.2% | 1% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
16.4%
0.0pp YoY +0.5pp QoQ |
+3.8pp | 12.6% | 11.9% | 11.6% | 80% |
| Cost of Funds (YTD) |
1.6%
-0.3pp YoY 0.0pp QoQ |
-0.4pp | 1.9% | 1.8% | 1.7% | 26% |
| Net Income ($, YTD) |
$11.2M
+19.0% YoY — QoQ |
-$8.1M | $19.2M | $8.7M | $40.4M | 44% |
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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 (1)
Profitability Leader
growthTop-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.