BlastPoint's Banking Scorecard
The First National Bank of Fletcher
Designations: ✓ Community bank
Fletcher, 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 536 banks in the under $100M peer group nationwide — 1 of 39 in OK.
- Deposits -4.5% year over year ($21.2M on the books).
- Delinquency rate 1.14%.
- Return on assets 0.86%.
- Efficiency ratio 79.00% vs a 119.40% peer average.
- Loan-to-deposit ratio 18.61% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
The First National Bank of Fletcher has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.09% above tier average
- + Efficiency Ratio 40.39% below tier average
- + Delinquency Rate 0.34% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.14% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$23.4M
-3.9% YoY
+1.6% QoQ
|
-$39.1M |
$62.4M
-0.0% YoY
|
$1.3B
+6.0% YoY
|
$6.3B
+7.7% YoY
|
Bottom 6.2% in tier |
| Total Loans ? |
$4.0M
-2.1% YoY
-2.3% QoQ
|
-$30.9M |
$34.9M
-0.6% YoY
|
$835.5M
+7.1% YoY
|
$3.2B
+9.4% YoY
|
Bottom 5.2% in tier |
| Total Deposits ? |
$21.2M
-4.5% YoY
+1.5% QoQ
|
-$30.4M |
$51.6M
-0.2% YoY
|
$967.8M
+5.8% YoY
|
$4.9B
+7.3% YoY
|
Bottom 11.4% in tier |
| Return on Assets ? |
0.86%
-15.8% YoY
-3.1% QoQ
|
-0.14% |
1.00%
+3.5% YoY
|
1.35%
+7.7% YoY
|
1.30%
+12.1% YoY
|
43% |
| Net Interest Margin ? |
4.01%
-1.8% YoY
-0.1% QoQ
|
+0.09% |
3.91%
+2.3% YoY
|
4.27%
+1.9% YoY
|
3.95%
+4.9% YoY
|
57% |
| Efficiency Ratio ? |
79.00%
+4.0% YoY
+0.1% QoQ
|
-40.39% |
119.40%
+49.6% YoY
|
64.81%
-3.0% YoY
|
70.05%
+2.5% YoY
|
34% |
| Delinquency Rate ? |
1.14%
+76.8% YoY
|
-0.34% |
1.48%
+31.8% YoY
|
1.78%
+23.7% YoY
|
0.98%
+16.3% YoY
|
33% |
| Loan-to-Deposit Ratio ? |
18.61%
+2.5% YoY
-3.7% QoQ
|
-55.60% |
74.21%
+12.6% YoY
|
74.14%
+1.3% YoY
|
79.03%
+2.3% YoY
|
Top 5.8% in tier |
| Non-Interest-Bearing Deposit Share ? |
13.43%
-12.5% YoY
+4.1% QoQ
|
-10.06% |
23.49%
+0.6% YoY
|
23.91%
-1.8% YoY
|
21.98%
-0.6% YoY
|
21% |
| Nonperforming Asset Ratio ? |
0.19%
+80.0% YoY
|
-0.64% |
0.84%
+23.0% YoY
|
1.24%
+23.1% YoY
|
0.69%
+15.8% YoY
|
53% |
| Tier 1 Capital Ratio ? |
9.93%
+2.1% YoY
+0.6% QoQ
|
-17.20% |
27.13%
+3.0% YoY
|
14.18%
-3.9% YoY
|
17.09%
+0.8% YoY
|
Bottom 5.4% in tier |
| Non-Interest Income / Assets ? |
0.27%
+10.9% YoY
+90.9% QoQ
|
-1.11% |
1.38%
+6.3% YoY
|
0.31%
-11.7% YoY
|
0.66%
+5.2% YoY
|
81% |
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 |
13.4%
-1.9pp YoY +0.5pp QoQ |
-11.2pp | 24.6% | 23.9% | 22.2% | 16% |
| Brokered Deposits | n/a | n/a | 9.8% | 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 |
44.4%
+5.4pp YoY +7.3pp QoQ |
+31.0pp | 13.4% | 15.7% | 12.5% | 98% |
| CRE | n/a | n/a | 25.2% | 42.0% | 41.4% | n/a |
| 1-4 Family |
10.3%
+2.2pp YoY +0.6pp QoQ |
-24.7pp | 35.0% | 24.0% | 31.3% | 22% |
| Consumer |
20.7%
-3.4pp YoY -8.3pp QoQ |
+13.1pp | 7.7% | 5.6% | 5.0% | 94% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 38.7% | 17.0% | 19.7% | n/a |
| Leverage Ratio |
9.9%
+0.2pp YoY +0.1pp QoQ |
-7.8pp | 17.7% | 11.7% | 12.6% | 17% |
| Total Capital Ratio | n/a | n/a | 39.7% | 18.2% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
7
-2 (-22.2%) YoY 0 QoQ |
-5 | 12 | 150 | 482 | 20% |
| Assets per Employee ($) |
$3.3M
+23.6% YoY +1.6% QoQ |
-$2.8M | $6.2M | $6.5M | $8.8M | 11% |
| Branch Count |
2
0 YoY 0 QoQ |
+0 | 1 | 8 | 18 | 63% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 1.0% | 0.9% | 0.4% | n/a |
| Nonaccrual |
1.1%
+0.5pp YoY |
-0.6pp | 1.7% | 1.5% | 1.0% | 60% |
| Allowance Coverage |
5.60x
-38.0% YoY |
-0.81x | 6.41x | 61.99x | 20.23x | 83% |
| Net Charge-off Rate (YTD) |
-0.7%
-1.2pp YoY +0.7pp QoQ |
-0.9pp | 0.2% | 0.2% | 0.2% | 1% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
9.5%
-2.3pp YoY -0.3pp QoQ |
+3.1pp | 6.4% | 11.9% | 11.6% | 58% |
| Cost of Funds (YTD) |
0.5%
+0.3pp YoY 0.0pp QoQ |
-0.9pp | 1.4% | 1.8% | 1.7% | 6% |
| Net Income ($, YTD) |
$98,000
-16.9% YoY — QoQ |
-$220K | $317,817 | $8.7M | $40.4M | 23% |
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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.