BlastPoint's Banking Scorecard
FNB Coweta
Coweta, OK
2 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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 106 in OK.
- Deposits +6.8% year over year ($115.7M on the books).
- Delinquency rate 0.00%.
- Return on assets 2.16%.
- Efficiency ratio 49.71% vs a 64.48% peer average.
- Loan-to-deposit ratio 58.45% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
FNB Coweta shows strong momentum with 5 strengths and 8.0% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 49.3% in tier
- + Delinquency Rate 0.92% below tier average
- + Nonperforming Asset Ratio 0.67% below tier average
- + Net Interest Margin 0.45% above tier average
- + Efficiency Ratio 14.77% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$127.8M
+8.0% YoY
+2.4% QoQ
|
-$258.8M |
$386.6M
+1.2% YoY
|
$1.3B
+6.0% YoY
|
$6.3B
+7.7% YoY
|
Bottom 7.8% in tier |
| Total Loans ? |
$67.6M
+9.3% YoY
-1.9% QoQ
|
-$190.7M |
$258.3M
+1.7% YoY
|
$835.5M
+7.1% YoY
|
$3.2B
+9.4% YoY
|
Bottom 6.5% in tier |
| Total Deposits ? |
$115.7M
+6.8% YoY
+1.9% QoQ
|
-$211.0M |
$326.7M
+0.7% YoY
|
$967.8M
+5.8% YoY
|
$4.9B
+7.3% YoY
|
Bottom 10.4% in tier |
| Return on Assets ? |
2.16%
+6.3% YoY
-2.9% QoQ
|
+0.84% |
1.32%
+10.8% YoY
|
1.35%
+7.7% YoY
|
1.30%
+12.1% YoY
|
Top 9.6% in tier |
| Net Interest Margin ? |
4.44%
+5.7% YoY
+0.0% QoQ
|
+0.45% |
3.99%
+5.0% YoY
|
4.27%
+1.9% YoY
|
3.95%
+4.9% YoY
|
77% |
| Efficiency Ratio ? |
49.71%
-4.6% YoY
+3.2% QoQ
|
-14.77% |
64.48%
-3.2% YoY
|
64.81%
-3.0% YoY
|
70.05%
+2.5% YoY
|
84% |
| Delinquency Rate ? |
0.00%
-100.0% YoY
|
-0.92% |
0.92%
+15.7% YoY
|
1.78%
+23.7% YoY
|
0.98%
+16.3% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
58.45%
+2.3% YoY
-3.7% QoQ
|
-19.50% |
77.95%
+1.0% YoY
|
74.14%
+1.3% YoY
|
79.03%
+2.3% YoY
|
85% |
| Non-Interest-Bearing Deposit Share ? |
27.26%
+12.8% YoY
+8.2% QoQ
|
+5.23% |
22.03%
-0.6% YoY
|
23.91%
-1.8% YoY
|
21.98%
-0.6% YoY
|
74% |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% YoY
|
-0.67% |
0.67%
+16.4% YoY
|
1.24%
+23.1% YoY
|
0.69%
+15.8% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
11.17%
+6.3% YoY
+5.4% QoQ
|
-4.73% |
15.91%
+1.4% YoY
|
14.18%
-3.9% YoY
|
17.09%
+0.8% YoY
|
25% |
| Non-Interest Income / Assets ? |
0.17%
-29.1% YoY
+93.6% QoQ
|
-0.39% |
0.57%
+7.6% YoY
|
0.31%
-11.7% YoY
|
0.66%
+5.2% YoY
|
42% |
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 |
27.3%
+3.1pp YoY +2.1pp QoQ |
+5.1pp | 22.1% | 23.9% | 22.2% | 74% |
| Brokered Deposits | n/a | n/a | 7.9% | 9.7% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
18.4%
+0.7pp YoY +2.2pp QoQ |
+6.8pp | 11.6% | 15.7% | 12.5% | 85% |
| CRE |
54.5%
-2.2pp YoY -0.1pp QoQ |
+15.0pp | 39.5% | 42.0% | 41.4% | 77% |
| 1-4 Family |
22.4%
+3.6pp YoY +1.5pp QoQ |
-10.2pp | 32.6% | 24.0% | 31.3% | 35% |
| Consumer |
1.7%
-0.6pp YoY +0.1pp QoQ |
-2.4pp | 4.1% | 5.6% | 5.0% | 42% |
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 |
11.2%
+0.7pp YoY +0.6pp QoQ |
-1.0pp | 12.2% | 11.7% | 12.6% | 53% |
| 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 |
21
+2 (+10.5%) YoY +1 (+5.0%) QoQ |
-38 | 58 | 150 | 482 | 12% |
| Assets per Employee ($) |
$6.1M
-2.3% YoY -2.5% QoQ |
-$1.4M | $7.5M | $6.5M | $8.8M | 35% |
| Branch Count |
2
0 YoY 0 QoQ |
-3 | 4 | 8 | 18 | 11% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.9% | 0.4% | n/a |
| Nonaccrual | n/a | n/a | 0.9% | 1.5% | 1.0% | n/a |
| Allowance Coverage | n/a | n/a | 24.15x | 61.99x | 20.23x | n/a |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.2% | 0.2% | 39% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
24.4%
-2.3pp YoY -1.2pp QoQ |
+12.2pp | 12.2% | 11.9% | 11.6% | 96% |
| Cost of Funds (YTD) |
1.1%
0.0pp YoY 0.0pp QoQ |
-0.7pp | 1.7% | 1.8% | 1.7% | 12% |
| Net Income ($, YTD) |
$1.4M
+15.2% YoY — QoQ |
-$1.2M | $2.6M | $8.7M | $40.4M | 38% |
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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.