BlastPoint's Banking Scorecard
The First National Bank & Trust
Elk City, OK
3 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 -4.4% year over year ($265.0M on the books).
- Delinquency rate 0.57%.
- Return on assets 2.12%.
- Efficiency ratio 49.90% vs a 64.48% peer average.
- Loan-to-deposit ratio 57.09% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
The First National Bank & Trust has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.80% above tier average
- + Efficiency Ratio 14.58% below tier average
- + Delinquency Rate 0.35% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.06% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$294.0M
-2.1% YoY
+0.1% QoQ
|
-$92.6M |
$386.6M
+1.2% YoY
|
$1.3B
+6.0% YoY
|
$6.3B
+7.7% YoY
|
45% |
| Total Loans ? |
$151.3M
-3.0% YoY
-4.1% QoQ
|
-$107.1M |
$258.3M
+1.7% YoY
|
$835.5M
+7.1% YoY
|
$3.2B
+9.4% YoY
|
36% |
| Total Deposits ? |
$265.0M
-4.4% YoY
+0.4% QoQ
|
-$61.8M |
$326.7M
+0.7% YoY
|
$967.8M
+5.8% YoY
|
$4.9B
+7.3% YoY
|
48% |
| Return on Assets ? |
2.12%
-2.2% YoY
+1.6% QoQ
|
+0.80% |
1.32%
+10.8% YoY
|
1.35%
+7.7% YoY
|
1.30%
+12.1% YoY
|
Top 10.6% in tier |
| Net Interest Margin ? |
3.92%
+2.5% YoY
+1.2% QoQ
|
-0.06% |
3.99%
+5.0% YoY
|
4.27%
+1.9% YoY
|
3.95%
+4.9% YoY
|
49% |
| Efficiency Ratio ? |
49.90%
+4.8% YoY
-0.6% QoQ
|
-14.58% |
64.48%
-3.2% YoY
|
64.81%
-3.0% YoY
|
70.05%
+2.5% YoY
|
83% |
| Delinquency Rate ? |
0.57%
-19.7% YoY
-41.4% QoQ
|
-0.35% |
0.92%
+15.7% YoY
|
1.78%
+23.7% YoY
|
0.98%
+16.3% YoY
|
43% |
| Loan-to-Deposit Ratio ? |
57.09%
+1.5% YoY
-4.5% QoQ
|
-20.86% |
77.95%
+1.0% YoY
|
74.14%
+1.3% YoY
|
79.03%
+2.3% YoY
|
Top 14.3% in tier |
| Non-Interest-Bearing Deposit Share ? |
22.96%
+11.9% YoY
+1.2% QoQ
|
+0.93% |
22.03%
-0.6% YoY
|
23.91%
-1.8% YoY
|
21.98%
-0.6% YoY
|
59% |
| Nonperforming Asset Ratio ? |
0.34%
-32.0% YoY
-40.1% QoQ
|
-0.33% |
0.67%
+16.4% YoY
|
1.24%
+23.1% YoY
|
0.69%
+15.8% YoY
|
49% |
| Tier 1 Capital Ratio ? |
13.09%
+4.5% YoY
-1.0% QoQ
|
-2.82% |
15.91%
+1.4% YoY
|
14.18%
-3.9% YoY
|
17.09%
+0.8% YoY
|
49% |
| Non-Interest Income / Assets ? |
0.21%
-17.7% YoY
+106.3% QoQ
|
-0.36% |
0.57%
+7.6% YoY
|
0.31%
-11.7% YoY
|
0.66%
+5.2% YoY
|
53% |
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 |
23.0%
+2.4pp YoY +0.3pp QoQ |
+0.8pp | 22.1% | 23.9% | 22.2% | 59% |
| 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 |
19.8%
-4.0pp YoY -2.6pp QoQ |
+8.3pp | 11.6% | 15.7% | 12.5% | 88% |
| CRE |
28.7%
+1.0pp YoY +1.2pp QoQ |
-10.9pp | 39.5% | 42.0% | 41.4% | 32% |
| 1-4 Family |
18.5%
+0.4pp YoY +0.3pp QoQ |
-14.1pp | 32.6% | 24.0% | 31.3% | 27% |
| Consumer |
1.1%
-0.1pp YoY +0.1pp QoQ |
-3.0pp | 4.1% | 5.6% | 5.0% | 30% |
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 |
13.1%
+0.6pp YoY -0.1pp QoQ |
+0.9pp | 12.2% | 11.7% | 12.6% | 76% |
| 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 |
41
+3 (+7.9%) YoY 0 QoQ |
-18 | 58 | 150 | 482 | 42% |
| Assets per Employee ($) |
$7.2M
-9.3% YoY +0.1% QoQ |
-$348K | $7.5M | $6.5M | $8.8M | 55% |
| Branch Count |
3
0 YoY 0 QoQ |
-2 | 4 | 8 | 18 | 26% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | 0.0% | -0.3pp | 0.3% | 0.9% | 0.4% | 14% |
| Nonaccrual |
0.6%
-0.1pp YoY -0.4pp QoQ |
-0.4pp | 0.9% | 1.5% | 1.0% | 56% |
| Allowance Coverage |
3.58x
+34.9% YoY +77.9% QoQ |
-20.57x | 24.15x | 61.99x | 20.23x | 62% |
| Net Charge-off Rate (YTD) |
-0.0%
0.0pp YoY 0.0pp QoQ |
-0.2pp | 0.1% | 0.2% | 0.2% | 5% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
22.1%
-6.5pp YoY +0.2pp QoQ |
+9.9pp | 12.2% | 11.9% | 11.6% | 93% |
| Cost of Funds (YTD) |
1.6%
-0.3pp YoY 0.0pp QoQ |
-0.1pp | 1.7% | 1.8% | 1.7% | 42% |
| Net Income ($, YTD) |
$3.1M
-6.0% YoY — QoQ |
+$564K | $2.6M | $8.7M | $40.4M | 71% |
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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 (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.