BlastPoint's Banking Scorecard

The First National Bank of Fletcher

under $100M Specialty: Other OK FDIC cert 4098

Designations: ✓ Community bank

Fletcher, OK

2 branches across OK

537 banks in the under $100M peer group nationally 38 in OK

The First National Bank of Fletcher demonstrates 4 strengths

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

+ Delinquency Rate 1.36% below tier average
+ Nonperforming Asset Ratio 0.77% below tier average
+ Net Interest Margin 0.14% above tier average
+ Efficiency Ratio 8.73% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

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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 ?	$23.0M -2.9% YoY +3.8% QoQ	-$39.3M	$62.3M -0.5% YoY	$1.2B +6.7% YoY	$6.2B +9.0% YoY	Bottom 5.8% in tier
Total Loans ?	$4.0M +2.5% YoY -2.0% QoQ	-$30.2M	$34.3M -1.5% YoY	$822.6M +7.2% YoY	$3.2B +10.7% YoY	Bottom 5.4% in tier
Total Deposits ?	$20.9M -3.3% YoY +4.3% QoQ	-$30.9M	$51.8M -0.6% YoY	$956.7M +4.7% YoY	$4.8B +8.0% YoY	Bottom 10.1% in tier
Return on Assets ?	0.89% +2.1% YoY +44.2% QoQ	+0.03%	0.86% -3.6% YoY	1.34% +7.6% YoY	1.24% +13.1% YoY	47%
Net Interest Margin ?	4.01% -0.2% YoY -0.6% QoQ	+0.14%	3.87% +2.7% YoY	4.25% +2.4% YoY	3.89% +5.7% YoY	59%
Efficiency Ratio ?	78.90% -0.6% YoY -5.3% QoQ	-8.73%	87.63% +2.3% YoY	65.16% -1.8% YoY	66.84% -3.8% YoY	36%
Delinquency Rate ?	0.00% -100.0% YoY	-1.36%	1.36% +33.7% YoY	1.61% +16.3% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	19.31% +6.0% YoY -6.0% QoQ	-44.79%	64.11% -0.9% YoY	73.83% +1.6% YoY	76.69% +0.9% YoY	Top 5.6% in tier
Non-Interest-Bearing Deposit Share ?	12.90% -9.7% YoY -17.7% QoQ	-10.89%	23.79% +0.5% YoY	23.68% -1.7% YoY	22.01% -1.1% YoY	19%
Nonperforming Asset Ratio ?	0.00% -100.0% YoY	-0.77%	0.77% +28.7% YoY	1.12% +15.3% YoY	0.66% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	9.87% +0.3% YoY +1.6% QoQ	-16.90%	26.77% +2.0% YoY	14.36% -1.8% YoY	17.06% +0.8% YoY	Bottom 6.1% in tier
Non-Interest Income / Assets ?	0.14% +6.2% YoY -72.1% QoQ	-0.53%	0.67% +1.6% YoY	0.15% -5.6% YoY	0.32% +4.0% YoY	83%

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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 (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

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 537 peers in under $100M

Top Strengths (4 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 1.36%

#1 of 517 Top 0.1% in under $100M

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.77%

#1 of 537 Top 0.1% in under $100M

Loan-to-Deposit Ratio

liquidity

Value: 19.31%

Peer Median: 64.11%

#31 of 537 Top 5.6% in under $100M

Non-Interest Income / Assets

revenue_mix

Value: 0.14%

Peer Median: 0.67%

#93 of 537 Top 17.1% in under $100M

Top Weaknesses (5 metrics)

509

Total Loans

size

Value: $4.04M

Peer Median: $34.29M

#509 of 537 Bottom 5.4% in under $100M

507

Total Assets

size

Value: $23.00M

Peer Median: $62.28M

#507 of 537 Bottom 5.8% in under $100M

505

Tier 1 Capital Ratio

capital

Value: 9.87%

Peer Median: 26.77%

#505 of 537 Bottom 6.1% in under $100M

484

Total Deposits

size

Value: $20.93M

Peer Median: $51.83M

#484 of 537 Bottom 10.1% in under $100M

436

Non-Interest-Bearing Deposit Share

funding

Value: 12.90%

Peer Median: 23.79%

#436 of 537 Bottom 19.0% in under $100M