BlastPoint's Banking Scorecard

First Bank

$100M-$1B Specialty: Commercial OK FDIC cert 4092

Erick, OK

4 branches across OK

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

First Bank has 4 strengths but faces 5 concerns

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 12.1% in tier
+ Return on Assets 1.57% above tier average
+ Efficiency Ratio 18.13% below tier average
+ Delinquency Rate 0.78% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 5.7% in tier
- Cost Spiral: Bottom 6.3% in tier
- Liquidity Overhang: Bottom 30.6% in tier
- Credit Risk Growth: Bottom 37.4% in tier
- Margin Compression: Bottom 71.5% 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 ?	$117.3M +4.2% YoY +6.6% QoQ	-$268.8M	$386.1M +0.5% YoY	$1.2B +6.7% YoY	$6.2B +9.1% YoY	Bottom 5.2% in tier
Total Loans ?	$65.2M +10.5% YoY +5.7% QoQ	-$190.6M	$255.7M +1.1% YoY	$822.6M +7.2% YoY	$3.2B +10.8% YoY	Bottom 6.0% in tier
Total Deposits ?	$99.9M +3.7% YoY +8.3% QoQ	-$228.0M	$328.0M +0.1% YoY	$956.7M +4.7% YoY	$4.8B +8.2% YoY	Bottom 5.7% in tier
Return on Assets ?	2.84% -21.2% YoY -20.6% QoQ	+1.57%	1.27% +12.9% YoY	1.34% +7.6% YoY	1.23% +13.4% YoY	Top 2.6% in tier
Net Interest Margin ?	5.26% -12.2% YoY -11.3% QoQ	+1.33%	3.93% +6.0% YoY	4.25% +2.4% YoY	3.89% +5.7% YoY	Top 4.5% in tier
Efficiency Ratio ?	47.16% +15.1% YoY +15.1% QoQ	-18.13%	65.29% -4.5% YoY	65.16% -1.8% YoY	66.95% -4.1% YoY	Top 11.5% in tier
Delinquency Rate ?	0.10% +11.9% YoY -38.7% QoQ	-0.78%	0.89% +18.8% YoY	1.61% +16.3% YoY	0.95% +18.8% YoY	73%
Loan-to-Deposit Ratio ?	65.21% +6.6% YoY -2.4% QoQ	-11.43%	76.64% +0.8% YoY	73.83% +1.6% YoY	76.70% +0.9% YoY	75%
Non-Interest-Bearing Deposit Share ?	38.32% -3.4% YoY +4.0% QoQ	+16.30%	22.02% -1.0% YoY	23.68% -1.7% YoY	22.01% -1.2% YoY	Top 6.2% in tier
Nonperforming Asset Ratio ?	0.06% +18.6% YoY -39.2% QoQ	-0.58%	0.64% +19.7% YoY	1.12% +15.3% YoY	0.67% +19.3% YoY	76%
Tier 1 Capital Ratio ?	25.41% +14.3% YoY +3.7% QoQ	+9.58%	15.83% +1.5% YoY	14.36% -1.8% YoY	17.06% +0.8% YoY	Top 6.2% in tier
Non-Interest Income / Assets ?	0.11% -6.3% YoY -76.7% QoQ	-0.17%	0.28% +9.3% YoY	0.15% -5.6% YoY	0.32% +4.1% YoY	57%

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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 (1)

Deposit Franchise

growth

#34 of 272 • Top 12.1% 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: 38.32%

(Tier: 22.02%, National: 22.01%)

better than tier avg

Net Interest Margin: 5.26%

(Tier: 3.93%, National: 3.89%)

better than tier avg

272 of 272 Community banks match · 369 nationally

→ Stable -14 banks QoQ | QoQ rank improving

Concerns (5)

Credit Quality Pressure

risk

#76 of 1308 • Bottom 5.7% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.10%

(Tier: 0.89%, National: 0.95%)

better than tier avg

1308 of 1308 Community banks match · 1899 nationally

→ Stable +2 banks QoQ | QoQ rank improving

Cost Spiral

risk

#9 of 126 • Bottom 6.3% in tier

Historically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.

Why this signature

Efficiency Ratio: 47.16%

(Tier: 65.29%, National: 66.95%)

better than tier avg

126 of 126 Community banks match · 176 nationally

↑ Growing +82 banks QoQ

Liquidity Overhang

risk

#227 of 739 • Bottom 30.6% 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: 25.41%

(Tier: 15.83%, National: 17.06%)

better than tier avg

Loan-to-Deposit Ratio: 65.21%

(Tier: 76.64%, National: 76.70%)

better than tier avg

739 of 739 Community banks match · 939 nationally

→ Stable +13 banks QoQ | QoQ rank improving

Credit Risk Growth

risk

#365 of 973 • Bottom 37.4% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

973 of 973 Community banks match · 1464 nationally

→ Stable -10 banks QoQ

Margin Compression

decline

#219 of 305 • Bottom 71.5% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature

Return on Assets: 2.84%

(Tier: 1.27%, National: 1.23%)

better than tier avg

305 of 305 Community banks match · 407 nationally

↑ Growing +94 banks QoQ | QoQ rank declining

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 (6 metrics)

Return on Assets

profitability

Value: 2.84%

Peer Median: 1.27%

#69 of 2664 Top 2.6% in $100M-$1B

122

Net Interest Margin

profitability

Value: 5.26%

Peer Median: 3.93%

#122 of 2664 Top 4.5% in $100M-$1B

166

Non-Interest-Bearing Deposit Share

funding

Value: 38.32%

Peer Median: 22.02%

#166 of 2664 Top 6.2% in $100M-$1B

166

Tier 1 Capital Ratio

capital

Value: 25.41%

Peer Median: 15.83%

#166 of 2664 Top 6.2% in $100M-$1B

308

Efficiency Ratio

profitability

Value: 47.16%

Peer Median: 65.29%

#308 of 2664 Top 11.5% in $100M-$1B

630

Nonperforming Asset Ratio

credit_quality

Value: 0.06%

Peer Median: 0.64%

#630 of 2664 Top 23.6% in $100M-$1B

Top Weaknesses (3 metrics)

2526

Total Assets

size

Value: $117.31M

Peer Median: $386.08M

#2526 of 2664 Bottom 5.2% in $100M-$1B

2513

Total Deposits

size

Value: $99.93M

Peer Median: $327.97M

#2513 of 2664 Bottom 5.7% in $100M-$1B

2506

Total Loans

size

Value: $65.17M

Peer Median: $255.72M

#2506 of 2664 Bottom 6.0% in $100M-$1B