BlastPoint's Banking Scorecard
The First National Bank & Trust
Elk City, OK
3 branches across OK
The First National Bank & Trust has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.82% above tier average
- + Efficiency Ratio 15.06% below tier average
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 14.7% in tier
- - Net Interest Margin 0.05% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$293.7M
-3.8% YoY
-0.2% QoQ
|
-$92.3M |
$386.1M
+0.5% YoY
|
$1.2B
+6.7% YoY
|
$6.2B
+9.1% YoY
|
45% |
| Total Loans ? |
$157.8M
+1.8% YoY
-1.7% QoQ
|
-$97.9M |
$255.7M
+1.1% YoY
|
$822.6M
+7.2% YoY
|
$3.2B
+10.8% YoY
|
38% |
| Total Deposits ? |
$263.9M
-5.6% YoY
-0.1% QoQ
|
-$64.0M |
$328.0M
+0.1% YoY
|
$956.7M
+4.7% YoY
|
$4.8B
+8.2% YoY
|
47% |
| Return on Assets ? |
2.09%
-3.2% YoY
-4.5% QoQ
|
+0.82% |
1.27%
+12.9% YoY
|
1.34%
+7.6% YoY
|
1.23%
+13.4% YoY
|
Top 10.6% in tier |
| Net Interest Margin ? |
3.88%
+3.6% YoY
-1.9% QoQ
|
-0.05% |
3.93%
+6.0% YoY
|
4.25%
+2.4% YoY
|
3.89%
+5.7% YoY
|
51% |
| Efficiency Ratio ? |
50.23%
+5.9% YoY
+4.5% QoQ
|
-15.06% |
65.29%
-4.5% YoY
|
65.16%
-1.8% YoY
|
66.95%
-4.1% YoY
|
84% |
| Delinquency Rate ? |
0.97%
+53.7% YoY
-43.1% QoQ
|
+0.08% |
0.89%
+18.8% YoY
|
1.61%
+16.3% YoY
|
0.95%
+18.8% YoY
|
29% |
| Loan-to-Deposit Ratio ? |
59.78%
+7.8% YoY
-1.5% QoQ
|
-16.86% |
76.64%
+0.8% YoY
|
73.83%
+1.6% YoY
|
76.70%
+0.9% YoY
|
82% |
| Non-Interest-Bearing Deposit Share ? |
22.68%
+14.3% YoY
+3.9% QoQ
|
+0.66% |
22.02%
-1.0% YoY
|
23.68%
-1.7% YoY
|
22.01%
-1.2% YoY
|
57% |
| Nonperforming Asset Ratio ? |
0.57%
+29.8% YoY
-45.3% QoQ
|
-0.07% |
0.64%
+19.7% YoY
|
1.12%
+15.3% YoY
|
0.67%
+19.3% YoY
|
34% |
| Tier 1 Capital Ratio ? |
13.22%
+9.1% YoY
+2.8% QoQ
|
-2.61% |
15.83%
+1.5% YoY
|
14.36%
-1.8% YoY
|
17.06%
+0.8% YoY
|
49% |
| Non-Interest Income / Assets ? |
0.10%
-25.5% YoY
-82.9% QoQ
|
-0.18% |
0.28%
+9.3% YoY
|
0.15%
-5.6% YoY
|
0.32%
+4.1% YoY
|
52% |
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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 (0)
Concerns (1)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.